DAWN CORNELIUS Vice President of Marketing and Communications RALPH - - PowerPoint PPT Presentation

DAWN CORNELIUS

Vice President of Marketing and Communications

RALPH SCHULZ

President and CEO

MAYOR JOHN COOPER

CHRISTY PRUITT-HAYNES

Chief Truth Teller, Our Truths Founder, Christy Pruitt-Haynes Consulting

TABITHA AND JOSHUA MUNDY

Music City Cleaners The Fortitude Group theLab Nashville Pivot Technology School, LLC Owner/Founder

MARCH 2020

Nashville Tornado Hits 624 Jefferson Street

THE FORTITUDE GROUP

L

MYRA SHIRD

Federal Coordinating Officer, Federal Emergency Management Agency FEMA in Middle Tennessee

FEMA TENNESSEE TORNADO RESPONSE

Myra M. Shird, PhD Federal Coordinating Officer Federal Emergency Management Agency (FEMA) Myra.Shird@fema.dhs.gov

FEMA TENNESSEE TORNADO RESPONSE

As 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 CHANNEL

SBA 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. 800-659-2955

Email: DisasterCustomerService@sba.gov 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 offer VIRTUAL 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 BARNES

Senior Planner, Office of Continuous Operations and Risk Management

U. U.S. Small Business Adm Admini nistr trati tion

• n

33

• “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 HAYMAN

Catastrophe Team Specialist

DISASTER RECOVERY INFORMATION

The insurance claims process and essential policy language

KEITH HAYMAN

GGG/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

President Nashville Bar Association

VIVIAN WILHOITE

Assessor 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 – 27,838 Residential/Farm – 219,132

Vivian M. Wilhoite, Assessor of Property, Davidson County

Vivian M. Wilhoite, Assessor of Property – Davidson County

Property Valuation at Post Damage Values

• Tenn. 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 assessorweb@nashville.gov
• Postal 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 HERBERT

Director, Metro Codes

KENYATTA LOVETT

Assistant Commissioner TN Department of Labor & Workforce Development

MARLA RYE

President Workforce 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 Mid iddle le TN Wo Workforce Develo lopment Boar ard

Workforce Services Available to Employers & Dislocated Workers

• Employer Services
• Incumbent Worker Training
• Dislocated Worker Services
• Career Services & Training

TN Department

• f 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 (mrye@workforceessentials.com, 931-905-3500)
• Unemployment Insurance Claims:
• Partial.Claims@tn.gov, 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 (Michael.needel@tn.gov, 615-253-6355)
• Tennessee Talent Exchange:
• TN Talent Exchange: http://www.tngrocer.org/jobs.html
• tyra.copas@tn.gov; 423-715-8027

STEPHANIE COLEMAN

Chief Growth Officer

Q&A

RESOURCES IN ATTENDANCE

JANE ALLEN

CEO

BRYNN PLUMMER

VP of Inclusion and Community Relations

KEITH HAYMAN

GGG/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 very thorough
• Provide post-loss pictures.
• If there are structural issues with the building, have a highly

qualified engineer provide a report and clear recommendations for repair

• Document and communicate any hidden or discoverable

damage identified during the process

• Have a qualified contractor provide a very detailed estimate

for the building claim.

• Most insurance companies use a software program called
• Xactimate. Insurance claims and the adjustment process

are easier if you provide in a format the adjuster is accustomed to reviewing.

• The local building ordinance may require damaged buildings

be brought up to code. There may be some coverage or limited coverage in your policy to pay for code upgrades.

• Work with the insurance company representatives to come

to an agreed scope of damages and pricing.

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 COVERAGE

If y o u r p ro p erty d i d n o t s u s tai n p h y s i cal d amag e an d y o u h av e co v erag e fo r th e p e ri l o f wi n d s to rm, y o u r b u s i n e s s i n te rru p ti o n c o ve ra g e ma y b e tri g g e re d fo r th e fo l l o wi n g :

• U t

U ti l i t i l i ty S S e rv i c i c e I n I n te rru p ti o i o n C o C o v e ra g e — c o ve ra g e fo r l o ss d u e to l a c k o f i n c o mi n g e l e c tri c i ty c a u se d b y d a ma g e fro m a c o ve re d c a u se (su c h a s a fi re o r wi n d sto rm) to p ro p e rty a wa y fro m th e i n su re d 's p re mi se s— u s u a l l y th e u ti l i ty g e n e rati n g sta ti o n . A l so re fe rre d to as "o ff-p re mi se s p o we r c o ve ra g e ." N o t p ro vi d e d i n a sta n d a rd p ro p e rty i n su ra n c e p o l i c y b u t a va i l a b l e b y e n d o rse me n t. U ti l i ty se rvi c e i n te rru p ti o n c o ve ra g e e n d o rse me n ts va ry wi d e l y a s to wh a t u ti l i ty se rvi c e s a re i n cl u d ed , wh eth er b o th d i rect d amag e an d ti me el emen t l o ss are co vered , an d wh eth er tran smi ssi o n l i n es are co vered .

• A c i

c i v i l a u a u th o r

• ri ty c l

c l a u a u s e , e , a l so k n o wn a s a p u b l i c a u a u th o r

• ri ty c l a u se , i s a n i n

i n s u ra n c e p o l i c y p ro vi si o n th a t o u tl i n e s h o w th e l o ss

• f b u si n ess i n co me co verag e (B IC ) ap p l i es wh en a g o vern men t en ti ty d en i es access to th e i n

i n s u re d p ro p e rty.

• D e

D e p e n d e n t P P ro p e rti e i e s T T i m i m e E E l e l e m e n t C o C o v e ra g e — ti me e l e me n t p ro p e rty i n s u ra n c e th a t p a y s fo r th e l o s s o f i n c o me o r i n crease i n ex p en ses resu l ti n g fro m d amag e fro m a co vered cau se o f l o ss to th e p remi ses o f an o th er o rg an i zati o n o n wh i ch th e i n s u re 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 to me r. T h e two ty p e s a re d e p e n d e n t p ro p e rti e s b u s i n e s s i n c o me c o ve ra g e a n d d e p e n d e n t p ro p e rti e s e x tra e x p e n se c o ve ra g e . P re vi o u sl y re fe rre d to a s c o n ti n g e n t ti me e l e me n t c o ve ra g e .

• I n

I n g re s s /e g re s s c c o v e ra g e i s d esi g n ed to p ay fo r th e l o ss o f i n co me tri g g ered b y p h ysi cal l o ss o r d amag e cau sed b y a c o ve re d p e ri l to th i rd-p a rty p ro p e rty th a t p re ve n ts o r h i n d e rs i n i n g re s s to o r e g e g re s e s s fro m th e i n i n s u re d ’ s b u si n e ss.

CONTENTS

• Be very thorough
• Provide post loss pictures.
• Include and applicable taxes,

shipping and assembly costs

• Include support documentation of

replacement cost pricing

DEBRIS REMOVAL

You may have additional coverage in your policy above your policy limit for debris removal for your building 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

• utrageous 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

• f 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?