DAWN CORNELIUSVice President of Marketing and Communications
RALPH SCHULZPresident and CEO
MAYOR JOHN COOPER
CHRISTY PRUITT-HAYNES
Chief Truth Teller, Our TruthsFounder, Christy Pruitt-Haynes Consulting
TABITHA AND JOSHUA MUNDY
Music City CleanersThe Fortitude GrouptheLab NashvillePivot Technology School, LLC
Owner/Founder
MARCH 2020Nashville Tornado Hits624 Jefferson Street
THE FORTITUDE GROUP
L
MYRA SHIRD
Federal Coordinating Officer, Federal Emergency Management AgencyFEMA in Middle Tennessee
FEMA TENNESSEE TORNADO RESPONSE
Myra M. Shird, PhD
Federal Coordinating Officer
Federal Emergency Management Agency (FEMA)
FEMA TENNESSEE TORNADO RESPONSEAs of COB March 25:
§ FEMA has approved more than $1.30 million in disaster grants for Tennessee homeowners and renters who sustained uninsured or underinsured losses from the storms. That total includes:
§ More than $962,000 in housing grants to assist people in rebuilding or repairing their homes and to provide safe, sanitary temporary housing.
§ More than $345,000 in grants for things like personal property, transportation, medical, dental and childcare.
§ FEMA inspectors have completed 1,069 housing inspections§ SBA has approved more than $4.2 million disaster loans to businesses and
households.
FEMA TENNESSEE TORNADO RESPONSE• Federal assistance extended to five Tennessee counties hit by the March 3 tornadoes
and storms, covering eligible disaster-related expenses and the repair or rebuilding of critical infrastructure.
• The State of Tennessee, local governments and certain private nonprofits in Benton, Carroll, Davidson, Putnam, Smith and Wilson, counties can request funding through FEMA’s Public Assistance grant program to help pay for debris removal, emergency protective measures and the repair or rebuilding of roads, bridges, water-control facilities, buildings, equipment, utilities, parks and recreation facilities.
• The federal cost share for reimbursed expenses is not less than 75 percent.
• Volunteers and community members should reach out to their local government for guidance on debris removal processes.
FEMA TENNESSEE TORNADO RESPONSE• At its height, FEMA operation included:
• 300+ personnel on the ground.• Disaster Survivor Assistance Teams canvassing impacted neighborhoods.• Disaster Recover Centers, serving as focal points for information and resource
sharing.• As we continue to work on Tennessee recovery, health and safety are our highest
priorities for survivors and for FEMA personnel assisting recovery. • The current situation demands a reduction in FEMA field personnel and the move
to a virtual working environment.
FEMA TENNESSEE TORNADO RESPONSE• Please continue to encourage those with uninsured losses to call FEMA to apply
for disaster assistance. Survivors can apply for assistance by:
• Visiting www.DisasterAssistance.gov
• Downloading the FEMA App for Android or iPhone; and by
• Calling 1-800-621-3362 from 6 a.m. to 9 p.m. local time, seven days a week.
• Help is available in many languages.
• THE DEADLINE TO REGISTER IS MAY 4, 2020
• Thank you!
LATANYA CHANNELSBA Director of Tennessee Office
Physical Disaster Loans for businesses of all sizes, non-profits (including churches), AND homeowners and renters
• Businesses – up to $2 million at rates as low as 3.75% with up to a 30-year term• Non-profits – up to $2 million at 2.75% interest• Homeowners – up to $200,000 at rates as low as 1.563% • Renters and Homeowners – up to $40,000 for personal items,
including cars, at rates as low as 1.563%
TN TORNADOES – DECLARATION TN 16325
Economic Injury Disaster Loans for SMALL businesses and non-profit organizations
• Business does not have to be physically damaged• Funds must be used to meet your ordinary and necessary
financial obligations such as accounts payable, rent, payroll, etc. • Designed to see you through the recovery period• Businesses – up to $2 million at 3.75% with up to a 30-year
term• Non-profits – up to $2 million at 2.75% interest with up to a 30-
year term
TN TORNADOES – DECLARATION TN 16325
TWO DISASTER DECLARATIONS SINCE MARCH 3
TN TORNADOS- TWO TYPES• Physical Disaster Loans • Businesses of all sizes, • Non-profits (including
churches)• Homeowners • and Renters• Economic Injury Disaster
Loans • SMALL businesses• Non-profit organizations
COVID 19 – ONE TYPE
ONLY:• Economic Injury Disaster Loans • SMALL businesses • Non-profit organizations
HOW TO APPLY
Apply Online:www.disasterloan.sba.gov
Tel. 800-659-2955Email: [email protected]
For help with your business application, call any SBDC office in TN or
SBA TN District Office in Nashville:(615) 736-5881
VIRTUAL OFFICE HOURS
Starting Monday March 28, we’ll offerVIRTUAL OFFICE HOURS
twice a day.
The call-in info is posted (or will be) on the Nashville Chamber, Entrepreneur Center, Mayor's Office, and SBA websites.
We will also send it out with the webinar slides.
JOSH BARNESSenior Planner, Office of Continuous Operations and Risk Management
U.S. Small BusinessAdministration
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• “Breaking Down the Recovery” in three basic steps:• Conduct a Mission Scoping Assessment – In partnership with the state, capture the overarching issues
as it relates to recovery needs• Develop a Recovery Support Strategy/Actions – In partnership with the state, document the federal
capabilities available to be leveraged to support recovery issues.• Implement/Facilitate the Recovery Support Strategy – Undertake those initiatives identified in the
Recovery Support Strategy and facilitate the transition to steady-state operations.• Recovery activities can fall into three major categories:
• Technical assistance – (e.g. Peer-to-peer planning workshops)• Information sharing – (e.g. connecting the dots between disparate data sources – providing the state a
strategic view across the mission areas)• Leveraging existing resources – (e.g. working with public, private, non-profit program staff to retool
planned initiatives to also support immediate recovery needs)
Recovery Implementation
Disaster Recovery Concepts• Impacted communities will endure the recovery regardless• Coordinated recovery efforts are intended to shorten the distance
between resource need and resource provider.
ECONOMIC RECOVERY CONCEPTS (CONT. )
Behavioral Health Recovery
• Risks: Exacerbation of existing conditions, stigma, impacts of emotional trauma, and clinician access • Protracted impact • “Trauma by uncertainty”• Exacerbation of pre-
existing stressors and clinical conditions• Dislocation impacts
*SAMHSA
Common Post-Disaster Signs of Strain• Physically
• How many hours of sleep/night?• Diet/nutrition changes• Exercise changes?• Change in level of pain?• Any changes in basic hygiene?
• Socially• Cut down the amount of time you spend on work or other activities?• Stopped or reduced spending time with family friends or groups?• Accomplished less than you would like?• Didn't do work or other activities as carefully as usual?
• Emotionally• Have you experienced an increase in anxiousness/nervousness?• Have you felt tired/fatigued?• Have you felt down in the dumps/downhearted?• When was the last time you felt happy/clam and/or peaceful?
• Spiritually• Have you experienced a loss of faith?• A lack of feeling connected?
36
There is only one you.
KEITH HAYMANCatastrophe Team Specialist
DISASTER RECOVERYINFORMATIONThe insurance claims process and essential policy language
KEITH HAYMANGGG/Adjusters International
25 years experience working on catastrophe teams and the financial recovery for the insurance claims process including 9/11, Puerto Rico, the Bahamas, Mexico, and across the USA after tornadoes, hurricanes, earthquakes, terrorist attacks, wildfires, etc.
DISASTER TIMELINE
Report your insurance Claim to the insurance company
Make a written request for a certified copy of your policy including all endorsements
Review the entire policy and endorsements to understand every aspect you are entitled to in the insurance contract.
Mitigate your loss and protect the building from
further damage.
The assigned insurance Adjuster will inspect the
damage with goal to set a ‘reserve’ to report to the insurance company. It’s
important for the reserve to be adequate.
It’s recommended to request a partial payment, in writing, to help
you with initial expenses and losses. Insurance companies need
good documentation to support larger partial payments
Experts assess damage –building estimators, engineers, inventory
specialist, and accountants for business interruption
Claims are submitted Claims are reviewed
Insurance companies provide responses to claims
Necessary adjustments are made Work to a final settlement
*this process can be different depending on the policy and personnel assigned to the file
LAURA BAKER
PresidentNashville Bar Association
VIVIAN WILHOITEAssessor of Property, Office of Assessments
Certificate of Excellence in Assessment Administration Awarded 2012 and 2019
Office of Assessments
Vivian M. Wilhoite, Assessor of Property - Davidson County
Responsibility of the Office of the Assessor of Property
To identify, list, appraise & classify all taxable properties to achieve equity in value and prepare the annual
assessment rolls in a timely manner.
Commercial/Industrial- 26,218 Personalty Accounts – 27,838Residential/Farm – 219,132
Vivian M. Wilhoite, Assessor of Property, Davidson County
Vivian M. Wilhoite, Assessor of Property – Davidson County
Property Valuation at Post Damage ValuesTenn. Code Ann. 67-5-603
• Authorizes the Assessor of Property to prorate the assessment of the personal property for the portion of the year prior to the date of destruction or substantial damage.
Tenn. Code Ann. 67-5-606
• Authorizes the Assessor of Property to assess the value of damaged residential, commercial & industrial properties based upon its condition after the tornado, provided the property is not restored or replaced by September 1.
We are closed from Monday, March 23 – Friday, April 3.During this time, we are open for questions or concerns regarding your property or property values and ask that you contact us in the following methods. We will respond expeditiously. It is our pleasure to serve.
-Directly by phone at (615) 862-6080 -Email at [email protected] Mail Address: Office of the Assessor of Property
P.O. Box 196305 Nashville, TN 37219-6305
-Website: www.padctn.org
THANK YOU!
Office of Assessments
Vivian M. Wilhoite, Assessor of Property - Davidson County
BILL HERBERTDirector, Metro Codes
KENYATTA LOVETT
Assistant CommissionerTN Department of Labor & Workforce Development
MARLA RYE
PresidentWorkforce Essentials, Inc.
Workforce Services for Middle Tennessee
Northern Middle TN Workforce Board TN Department of Labor & Workforce Development
Summary of the Workforce Impact•March
Tornados•COVID-19•Other Factors
Northern Middle TN Workforce Development BoardWorkforce Services Available to Employers & Dislocated Workers
• Employer Services• Incumbent Worker Training
•Dislocated Worker Services•Career Services & Training
TN Department of Labor & Workforce
Development: State Workforce
Efforts
• Employer Services•Rapid Response•WARN Notices•Unemployment Insurance
•Dislocated Worker Services•Rapid Response•Unemployment Insurance Claims
• www.tn.gov/workforce
Tennessee Talent Exchange
• Dislocated Workers in the Hospitality Industry• Increasing Demand for Grocers, Food Retailers, and
Logistics• Jobs4TN• Virtual American Job Centers
Contact Information• Northern Middle TN Workforce Board:
• Marla W. Rye ([email protected], 931-905-3500)• Unemployment Insurance Claims:
• [email protected], for help with employers laying off employees
• jobs4tn.gov, to file a claim, certify for benefits• 844-224-5818, main number to call for assistance
• WARN & Rapid Response:• Mike Needel ([email protected], 615-253-6355)
• Tennessee Talent Exchange: • TN Talent Exchange: http://www.tngrocer.org/jobs.html• [email protected]; 423-715-8027
STEPHANIE COLEMANChief Growth Officer
Q&A
RESOURCES IN ATTENDANCE
JANE ALLENCEO
BRYNN PLUMMERVP of Inclusion and Community Relations
KEITH HAYMANGGG/Adjusters International
25 years experience working on catastrophe teams and the financial recovery for the insurance claims process including 9/11, Puerto Rico, the Bahamas, Mexico, and across the USA after tornadoes, hurricanes, earthquakes, terrorist attacks, wildfires, etc.
BUILDING A CLAIM• Be ve r y t ho r ough
• Pr ov ide pos t - l oss p i c t u res .
• I f t he re a re s t r uc tu ra l i s sues w i t h t he bu i l d i ng , have a h i gh l y
qua l i f i ed eng inee r p rov ide a r epo r t and c l ea r r ecommenda t i ons f o r r epa i r
• Documen t and commun ica te any h i dden o r d i scove rab le damage i den t i f i ed du r i ng t he p rocess
• Have a qua l i f i ed con t r ac to r p rov ide a ve r y de ta i l ed es t ima te
f o r t he bu i l d i ng c l a im .
• Mos t i nsu rance compan ies use a so f twa re p rog ram ca l l ed
Xac t im a te . I nsu r ance c l a im s and t he ad jus tm en t p r ocess a re eas ie r i f you p rov ide i n a f o rma t t he ad jus te r i s
accus tomed t o r ev i ew ing .
• T he l oca l bu i l d i ng o rd i nance may r equ i r e dam aged bu i l d i ngs be b rough t up t o code . T he re may be some cove rage o r
l im i t ed cove r age i n you r po l i c y t o pay f o r code upg r ades .
• Work w i t h t he i nsu rance company rep resen ta t i ves t o come
to an ag reed scope o f damages and p r i c i ng .
CHALLENGES
Fluctuations of cost of material and labor due to increased demand of construction. Support documentation will be needed to substantiate any increased or fluctuating
costs in construction.
Cash flow needed to keep construction continuing.
Construction may be slower due to demand and labor shortages. The delays due to the disaster
may impact the ‘period of restoration’ and your business
interruption claim.
BUSINESS INTERRUPTION
Have a qualified accountant determine your business interruption exposure.
Ordinary Payroll – included, excluded, how many days?
Extended period of indemnity - how many days?
Period of restoration – this may be longer than expected due to the complexities of construction after a disaster.
OTHER IMPORTANT COVERAGEI f y o u r p r o p e r t y d i d n o t s u s t a i n p h y s i c a l d a m a g e a n d y o u h a v e c o v e r a g e f o r t h e p e r i l o f w i n d s t o r m , y o u r b u s i n e s s i n t e r r u p t i o n
c o v e r a g e m a y b e t r i g g e r e d f o r t h e f o l l o w i n g :
• U t i l i t y S e r v i c e I n t e r r u p t i o n C o v e r a g e — c o v e r a g e f o r l o s s d u e t o l a c k o f i n c o m i n g e l e c t r i c i t y c a u s e d b y d a m a g e f r o m a
c o v e r e d c a u s e ( s u c h a s a f i r e o r w i n d s t o r m ) t o p r o p e r t y a w a y f r o m t h e i n s u r e d ' s p r e m i s e s — u s u a l l y t h e u t i l i t y g e n e r a t i n g
s t a t i o n . A l s o r e f e r r e d t o a s " o f f - p r e m i s e s p o w e r c o v e r a g e . " N o t p r o v i d e d i n a s t a n d a r d p r o p e r t y i n s u r a n c e p o l i c y b u t
a v a i l a b l e b y e n d o r s e m e n t . U t i l i t y s e r v i c e i n t e r r u p t i o n c o v e r a g e e n d o r s e m e n t s v a r y w i d e l y a s t o w h a t u t i l i t y s e r v i c e s a r e
i n c l u d e d , w h e t h e r b o t h d i r e c t d a m a g e a n d t i m e e l e m e n t l o s s a r e c o v e r e d , a n d w h e t h e r t r a n s m i s s i o n l i n e s a r e c o v e r e d .
• A c i v i l a u t h o r i t y c l a u s e , a l s o k n o w n a s a p u b l i c a u t h o r i t y c l a u s e , i s a n i n s u r a n c e p o l i c y p r o v i s i o n t h a t o u t l i n e s h o w t h e l o s s
o f b u s i n e s s i n c o m e c o v e r a g e ( B I C ) a p p l i e s w h e n a g o v e r n m e n t e n t i t y d e n i e s a c c e s s t o t h e i n s u r e d p r o p e r t y .
• D e p e n d e n t P r o p e r t i e s T i m e E l e m e n t C o v e r a g e — t i m e e l e m e n t p r o p e r t y i n s u r a n c e t h a t p a y s f o r t h e l o s s o f i n c o m e o r
i n c r e a s e i n e x p e n s e s r e s u l t i n g f r o m d a m a g e f r o m a c o v e r e d c a u s e o f l o s s t o t h e p r e m i s e s o f a n o t h e r o r g a n i z a t i o n o n w h i c h
t h e i n s u r e d d e p e n d s , s u c h a s a k e y s u p p l i e r o r c u s t o m e r . T h e t w o t y p e s a r e d e p e n d e n t p r o p e r t i e s b u s i n e s s i n c o m e
c o v e r a g e a n d d e p e n d e n t p r o p e r t i e s e x t r a e x p e n s e c o v e r a g e . P r e v i o u s l y r e f e r r e d t o a s c o n t i n g e n t t i m e e l e m e n t c o v e r a g e .
• I n g r e s s / e g r e s s c o v e r a g e i s d e s i g n e d t o p a y f o r t h e l o s s o f i n c o m e t r i g g e r e d b y p h y s i c a l l o s s o r d a m a g e c a u s e d b y a
c o v e r e d p e r i l t o t h i r d - p a r t y p r o p e r t y t h a t p r e v e n t s o r h i n d e r s i n g r e s s t o o r e g r e s s f r o m t h e i n s u r e d ’ s b u s i n e s s .
CONTENTS• Be very thorough
• Provide post loss pictures.
• Include and applicable taxes, shipping and assembly costs
• Include support documentation of replacement cost pricing
DEBRIS REMOVALYou may have addit ional coverage in your pol icy above your pol icy l imit for debris removal for your bui lding and contents.
DOCUMENTATION
Very detailed documentation facilitates the insurance
claims process and helps the adjuster review. The adjuster
sends his reports to a supervisor for their review
and approval.
Poor documentation or outrageous pricing may get
returned.
Ask your contractors to provide very detailed invoices
in a timely manner.
Ask your contractor and vendors to provide detailed line items for material costs,
labor costs, general conditions, overhead and
profit, by room or area.
ADDITIONAL TIPS
Insurance Companies need clear and reasonable documentation in order to
support interim payments.
Confirm ongoing discussions and agreements in email correspondence to
your adjuster.
POST DISASTER CHALLENGES
Insurance companies need to liquidate hundreds of millions of dollars to pay claims
Adjusters may be overburdened with files.
Consultants may be overburdened with files and slow to turn around reports
Contractors that have not dealt with insurance claims may not be used to providing adequate detail to pay claims.
Insurance companies may push back on increased costs of construction
Some Adjusters trying to turn and burn claims to move to quick and inadequate settlements
Only finalize claims once you have reached a reasonable settlement under the terms and conditions of the policy.
Have a qualified professional review any Proof of Loss or release documents before signature.
Cash flow can impact the contractor's ability to continue work. Interim payments are imperative, so the contractor has the resources to finish the job.
QUESTIONS?