Severe Weather Can Cause Environmental Claims - Is Your Client at Risk?
severe weather continues to wreak havoc across zemlje.Jugoistočnom the United States has just filed a devastating loss of historic tornado outbreak and the cleaning will take months if not years. Excessive rainfall has caused several roads, including the Mississippi River to flood stage, and thus more homes and businesses will be destroyed in the coming weeks. Wildfires are burning in parts of the country because of the terrible drought conditions, the smoke and fumes are reported hundreds of miles away. And of course, the 2011 hurricane season begins in less than a month and it's never too early to begin storm preparations. These natural disasters can be prevented and the damage they leave behind can include environmental hazards that must be handled quickly and appropriately.
Following the recent tornado outbreak has left miles of debris and destruction. This waste contains hazardous substances, such as friable asbestos, lead paint chips and toxic chemicals. Past hurricanes have destroyed production facilities, gas stations, landfills, and petrochemical plants, which resulted in chemicals and waste being released into the soil and groundwater. It is still unknown how much oil remains in the Gulf of Mexico last year's monumental oil spill;. Active hurricane season could bring unexpected contaminants on the coast that will affect the beachfront properties
of any structure affected by the flood event can and will leave the mold to grow long after the water goes, not to mention the rest from other wastes, chemicals and liquids are flushed out of the building such as the creation of flood waters. Residents returning to their property in order to assess the damage will also be exposed to bacteria and infections that could lead to serious illness. Wildfires can spread quickly and change direction before firefighters could gain control, impacting on any object in its path. If a fire comes into contact with chemicals or other materials, pollutants can be released into the air and the effects of air pollution could be felt miles away.
these scenarios will be covered by the standard CGL policy, or property and bodily injury / property damage claims will be massive.
May Your clients do not think that the environmental exposure from your daily business, but as we all know, weather can be unpredictable. Your client may be a property owner or manager, producer, farmer, doctor, the landfill owner or something in between. It is important to note that they all have exposure to pollution. These organizations should be aware of the coverages needed to properly protect them in case of environmental requirements. To learn more about insurance products available for these risks, the best policy configuration, and how to address the right of the insurance market, please contact your Environmental wholesaler for more information.
for help in the effort a disaster, visit the sites below for information on making donations or volunteering in their spare time to clean:
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