Hello Property Policyholder!
Business Home Auto Etc.
Just when you thought you'd seen it all...Voilą!


Popular Topics:
© 2004-2016 APB

Once upon a time there were calamities. No, not earthquakes, hurricanes or some other catastrophes, but something much less noticeable: some insurance adjusters, welcomed with open arms, took advantage of policyholders in their time of need. Suddenly it came to pass...all the people in the land were given disaster insurance rights and rules of recovery! Nothing was ever quite the same...they lived happily prepared ever after.
Policyholder Ready Toolbox

The Guide to Understanding What $ Insurance Owes
Disaster insurance rights, recovery rules and insurance company responsibilities are contained in the book, "Policy Ensurance."



"Mahalo...regarding insurance policyholder rights and access to vital information...Again, thank you...regarding '...disaster survivors lack their basic rights and vital information in their time of need,'...I welcome such input as an essential part of effectively governing our island state..."
—NEIL ABERCROMBIE
GOVERNOR, STATE of HAWAII, USA


"This is to acknowledge your disaster preparedness information ...Thank you for providing this valuable information to the department. We are always looking for ways to educate the public on [an] important issue such as disaster preparedness."
—STATE of ALABAMA, USA
DEPARTMENT of INSURANCE


"Thank you...We appreciate your efforts in crafting a website dedicated to preparedness and preventing the stress that goes along with disasters events. The information you have provided is helpful...Thank you for your interest in preparedness."
—STATE of VIRGINIA, USA
OFFICE of THE GOVERNOR


"It is time that someone publishes a book of this nature. As Regulators, we are aware that most policyholders are not aware. . .We wish you all the success. . .Your intent and foresight is commended."
—STATE of HAWAII, USA
DEPARTMENT of INSURANCE


"...Access to information is imperative in our society, especially to information pertaining to individual rights. This includes information regarding insurance...I believe people should, at the minimum, have access to information like insurance. . .Thank you again. . .regarding the dispersal of this information."
—JAMES P. MCGOVERN
MEMBER of CONGRESS, USA

 
 
 



Policy Ensurance
"Policy Ensurance" CONTENTS. Preface, 3; Introduction, 5; How ...

Legal Page

Adjust

Help


Compiled by Antone P. Braga

Probably the most difficult aspect following survival of a disaster is in having to enter the realm of the unknown. Under the circumstances most people are not psychologically up to the task. It is very common to see people in a state of shock, confusion and helplessness. Those who are objective, informed and prepared may be more emotionally level and confident.

In the past, disaster psychology has focused mainly on the response and recovery phases of emergencies. I believe that addressing emotional issues of preparedness along side the physical facets is a worthwhile area in which to focus. The age old proverb is as true today as it ever has been, "An ounce of prevention is worth a pound of cure." Below are some recommendations.

Reduce the emotional impact of loss through these 7 simple steps:

  • 1) ANTICIPATE - Consider the natural range of feelings people likely experience when they survive a disaster, which range from, "I'm overwhelmed...I don't know whom to trust...I've panicked...I can't cope..."; to the other end of the spectrum, "I'm well prepared...I'm competent...I'll get through this...I'm in control." Anticipate that helpless feelings and most reactions to disaster can be managed.
  • 2) REDUCE ANXIETY - Emphasize reducing anxiety through good preparedness. Take on manageable projects, don't spread yourself too thin, and learn to say no when you feel under pressure. Talking about preparedness for potential emergencies will decrease anxiety or panic. Remember, research supports that solid information is the antidote to panic. Be aware of using extreme expressions such as: must, always, never, awful or disastrous. Allow yourself some time to relax every day. When feeling anxious ask yourself what you can do to change that feeling. Know that having well grounded information is a way to decrease anxiety.
  • 3) PRACTICE STRESS REDUCTION - Some methods to reduce stress are: learn to increase relaxation to a higher level, routinely take deep, regular breaths, take warm baths, count to 10 as a way to step away from non-emergency stressful moments, commune with nature, meditate, day dream of a personal relaxation scene, maintain good nutrition, adopt regular aerobic exercise, get massages from a skilled therapist. Another practical calming technique is to create a mantram—the practice of repeating over and over in the mind such as, "By night and by day, I am being prospered in my best interest." This is most effective when dozing off to sleep—when the conscious thought is giving way to the subconscious mind. Repetition of the phrase has an immediate calming effect and is a way to program the subconscious to carry out an ongoing instruction for behavior even without conscious thought after a period of a week or two. The subconscious will usually sort out what is or is not in your best interest and proceed to have you act more in that way. This is also a tool for changing undesirable habits. Since stress-reducing methods take time to become ingrained, they must be learned and practiced in advance.
  • 4) GET THE FAMILY INTO ACTION - Get family members prepared for emergencies. Discuss a plan of action, and have a disaster supplies kit: water, food, first aid supplies, clothing and bedding, tools and emergency supplies, and special items for medical conditions. Talk about the importance of being prepared. Remain objective and informative. Focus on active disaster preparedness everyone can begin right now.
  • 5) PROTECT THE FAMILY'S ASSETS - The prospect of losing one's home and possessions is highly stressful even if covered by insurance. Become accustomed to the concept that a property insurance claim is a business recovery issue, considering the family's assets and losses to be the "corporation" that will need recovery. Adjusters on the other side of the table know they will be negotiating a business transaction, and so should you. To have that awareness beforehand can help protect your interest, and improve your negotiating ability.
  • 6) MAINTAIN CONTROL—INSURANCE RECOVERY - Disasters are an experience of losing control...control over just about everything. It may help to keep a claim awareness/preparedness book handy. You can access insurance consumer protection—disaster insurance rights and recovery rules that can help lead to a more successful recovery.
  • 7) A JOB WELL DONE! - Give yourself the reinforcement of a pat on the back and take pride in the accomplishment of being prepared. Preparedness brings with it comfort in itself. Remember that increased readiness is a powerful tool to promote self-reliance in a household, neighborhood, or community and contributes to an internal sense of mastery and confidence.

For further support visit: www.DisasterPrepared.net

*Although the cumulative work of the psychology profession provided the nucleus, it is the need for disaster emotional preparedness and dissemination of information to the public that germinated the seed. The following references helped make this article a reality: "The Power of Your Subconscious Mind," by Dr. Joseph Murphy, DRS, PhD, DD, LLD; Dr. Deborah Bier, PhD; Holtz Psychological Services, PC; Dr. Andrew Weil, MD; Justin Becker; Mind Tools, LTD; American Red Cross.
© 2006 APB
#TX 6-514-109

Help on the way: this content is local to your area in that it affects virtually everyone in your area, indirectly or directly: property insurance policyholders. When the next news stories run having to do with a local disaster such as a hurricane, earthquake, flood, tornado, fire, etc., perhaps think of those disaster survivors and to what extent you may have helped in their preparedness and recovery. Thank you for any help you give.

Share


What is your philosophy: drive or be driven? I happen to think we are wise to keep our drive alive.
About/ContactPrivacy/Security
© 1977-2017 APB