Where the WIND Blows
Coverage for damage caused by high winds from tornadoes, hurricanes and tropical storms...
What is WIND (STORM) coverage
Three letters used to abbreviate the word that describes extremely damaging natural disasters /weather events
What is CAT
Dirt Tornado is called a ____ ____
What is a Dust Devil
Elected or appointed public servant, in place to regulate insurance, protect consumers and ensure market sustainability.
Hint: All 50 states have one.
What is an Insurance Commissioner
Duties vary from state to state
Neutral (3rd party) professional with relevant specialized knowledge, hired to appraise or give a disinterested opinion on the value of a loss
What is an appraiser
Nickname for wildfire firefighters...
What is Hotshot
Person who chases storms
What is a storm chaser
In most cases, coverage exists for ______-______ rain damage to a roof, caused by a covered peril such as a windstorm, but is limited or excluded if the damage is due to wear and tear, lack of maintenance or gradual deterioration.
What is wind-driven
Most unpredictable natural disaster (regarding prediction and damage)
What is an Earthquake
Name for a really bad storm (characterized by the presence of a mesocyclone) with rotating updraft that can cause a tornado
Hint: _____ cell
What is a supercell
Oversees insurance companies in the U.S.
Monitors all aspects of the insurance sector and ensures access to insurance products to underserved communities...
Hint: the FIO
What is the Federal Insurance Office (FIO)
Adjudicative process, alternative dispute resolution (similar to a trial format, but less formal)
What is Arbitration
Solid form of water that can be helpful in a drink, but harmful as a weather event
What is ice
Person who foretells the weather
What is a meteorologist
The HO-3 only covers loss from rain, snow, sleet, sand or dust to personal property inside a building under limited circumstances. Specifically, the direct force of wind or hail must first damage the building, causing an opening in a roof or wall.
True of False
What is ...TRUE
4 Types of Climatic Catastrophes
Hint: Pollution is one.
What are drought (and aridification), wildfires, pollution and floods
Claims professional hired by the policyholder to assist with evaluation and negotiation (often adversarial to the insurance carrier/adjuster)
What is a Public Adjuster
A fortuitous event that causes direct physical damage
Hint: policy language
What is direct sudden and accidental damage
Dispute resolution professional (neutral 3rd party, part of an appraisal panel) retained to review an insurance claim and make an objective decision about the value of the property or the amount of damage. This person is unrelated to either the insurance company or policyholder.
What is an umpire
Where do Hotshots work?
Hint: environments with vegetation, smoky conditions
What is forests and/or parks
(Tort) contract between policyholders and insurance company
The policy
There is no such thing as "hurricane insurance"
What is ...TRUE
(correct names may be a combination of windstorm, flood or homeowners insurance)
Name at least 4 main types of extreme weather
What are heat waves...
...freezes ...heavy downpours
...tornadoes ...tropical cyclones ...hurricanes
...floods (any of these)
True or False... It is recommended that you do not wash hands or dishes, or take a shower or bath during a thunderstorm
What is ...TRUE
Explanation: metal plumbing and the water inside are conductors of electricity
Climate pattern that describes the unusual warming of surface waters in the Pacific (occurs on average, every 2-7 years)
What is El Nino
Abbreviation for: Alternative Dispute Resolution
What is ADR
Annual calendar publication containing information weather/astronomical data and tide tables
What is an almanac
Weather event season that runs @ June 1 to Nov 30
What is Hurricane season
Where (in the world) do most tornadoes occur
Hint: Which country
What is the United States
Part of the property policy that describes what is NOT covered
What is Exclusions
True or False... Insurance is not intended to cover everything
What is TRUE
Created to supersede common law. May codify existing common law, create new causes of action in the common law or legislatively overrule the common law.
What is a Statute
ADR method of negotiating, alternative to trial, collaborative and confidential
What is Mediation
Freezing temperature (in fahrenheit)
What is 32 degrees
True of False, tropical cyclones are found (mostly) in the Atlantic ocean
What is TRUE
Rapidly rotating storm that originates over warm tropical waters (also known as hurricanes or typhoons)
What is a tropical cyclone
Severe weather events that can cause widespread destruction and loss of life
What is CAT(astrophe)
Advisory issued when hazardous weather is occurring, imminent or likely
What is a weather advisory
State commonly known to have earthquakes, wildfires and mudslides
What is California
Process that is a collaborative method for settlement efforts before ADR or trial
What is negotiation
When you subtract 30 and divide by 2 you are converting what to what
What is fahrenheit to celcius
Threshhold (in mph) that turns a tropical cyclone into a hurricane or typhoon classification
What is 74 mph