Two years ago today Hurricane Ike slammed into the Texas coast as a Category 2 hurricane but with a storm surge the equivalent of a Category 5. It was the third costliest hurricane in U.S. history (behind only Andrew and Katrina), with almost $30 billion in damages.

We have not yet found any way to prevent a hurricane, or tornado, or any number of other natural disasters. But we can and should be proud of the critical role the insurance industry plays in replacing or repairing damaged property in these catastrophes. Being prepared is key to filling that role in the best way possible.

So, this day, as we remember the devastating losses of two years ago, may we suggest two things:

  1. Make sure your customers know about the damage caused by Ike and other natural disasters and their coverage options including national flood and state wind policy options, if applicable.
  2. Review your agency’s disaster recovery plan. How will you access your documents and systems if your office is inaccessible? How will your insureds know how to reach you?
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