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Colorado Springs Together: A Private Sector Model for Recovery. Bob CutterFounder and President, Colorado Springs Together www.coloradospringstogether.org April 30, 2014. Waldo Canyon Fire. 6/26/12 Explosive Growth 7/10/14 100% Contained. Mountain Shadows. 6/26/12 – 5pm - PowerPoint PPT Presentation
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Colorado Springs Together: A Private Sector Model for Recovery
Bob Cutter Founder and President, Colorado Springs Togetherwww.coloradospringstogether.org
April 30, 2014
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Waldo Canyon Fire6/26/12
Explosive Growth
7/10/14
100% Contained
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Mountain Shadows
6/26/12 – 5pm
Residential Destruction
Loss of Life----------------------------------
6/27/12
Control
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12 Months Later…Black Forest Fire!
6/11/13Explosive Growth
6/20/13100% Contained
Black Forest
Waldo Canyon
Colorado Springs
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Similar… but…. DifferentWaldo Canyon4 days before property loss2 lives lost + 347 homes lost18,000 acres burnedResidential impact 2sq. MilesYear developed : 1985Suburban - upper middle classCity of Colorado SpringsRecovery led by private sectorNeighborhood Landscaping
Black ForestInstant loss of property2 lives lost + 486 homes lost15,000 acres burnedResidential impact 23 sq. milesYear developed ~ 1920Rural –wide class rangeUnincorporated El Paso CountyRecovery led by public + privateNeighborhood Forest
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Colorado Springs Together Mission
To serve as the primary community organization to bring the community spirit and substantial resources of the businesses
and citizens of the Pikes Peak Region to restore the lives, homes and neighborhoods impacted by the Waldo Canyon Fire. We will
restore these quickly and effectively.
Incorporated 501(c)(3) on 7/3/12------Granted 8/22/12
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Why COS Together?• Speed, Leverage, Agility• Cross functional team – all sectors• FEMA Lessons Learned
o Single organizationo Coordinationo Speed = Hopeo Local ownershipo Neighborhood involvemento Complete the jobo Better than before
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What is COS Together?• Unified “command”-Type 1 Recovery Team• Volunteer Leadership• No government funding• Total Community Resources• Private Sector Driven• Public Sector Support• Non-Profit Participation• Neighborhood Involvement• Single Focus - Successful restorationCollaboration – Communication – Cooperation - Community Enhancement
TEAMWORK
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Where is COS Together?
In the neighborhood ( Aug 2012-Jul 2013 )
• One stop shop• Ask the experts• Community Center
On line(July 2012 – Dec2013)
• Resources• Daily information• Help• www.coloradospringstogether.org
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Our Role
• Coordinate and lead• Leverage resources and skills • Keep it local• Be the focal point• LONG term recovery• Get assistance to people• Educate and Inform• Support and encourage
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Not Our Role• Direct financial assistance to people• Emergency response• Political lobbying / advocacy• Meeting human care needs• Business recovery• Crisis counseling and support
Expert agencies involvedRed Cross Long Term Recovery Group Aspenpointe Care and Share United Way
SBA / SBDC Regional Business Alliance Faith-based organizationsCity of Colorado Springs El Paso County
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Results – 1 year laterOct 12: - 6 (of 347) lots remain without permit to clear
- Significant insurance settlements
Nov 12: - First people move into new home
Dec 12: - Only 1 site without debris removal plan
Jan 13: - 100 new home permits issued
Feb 13: - Mayor starts “homecoming” basket delivery
Mar 13: - Media tour of neighborhood
May 13: - 50% milestone – 176 permits issued
Jun 13: - Anniversary concert in the park- 200 permits issued + 78 completed
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What Did We Do?Insurance assistance + support
Coordinated debris removal
E-blast information+ Video tutorials
Accredited contractors
Covenant assistance
Friday Markets with Care and Share
Sandbagging
Educational events
Art Auction – Memorial Fund
Fire Code Changes
Community Center support
Discount card program
Kids Carnival
Community Tree + Holiday Events
Lessons learned presentations
Community Center for neighborhood
Club, HOA, MSCA gatherings
Anniversary Concert in the park
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By the Numbers- Over 2000 visitors to CST Center- Over 150 group meetings and presentations- 500+ hrs. of Aspenpointe crisis counseling - Over 200 individuals received insurance assistance- Over 540,000 e-blasts opened- 35,000+ unique visitors to website- 200,000+ web page views- One day after Black Forest Fire – 3,000+ web visitors- More than 3,000 discount cards issued
+ highest savings by individual ~ $30,000- ~6,000 people attended anniversary event- Over 7,000 leadership volunteer hours
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Lessons Learned• Psychological impact significant – WIDE range• Insurance….insurance….insurance• GOOD, RELIABLE information ON TIME• Do not overload people• Mitigation helps• Need dedicated volunteer coordinator• Communicate need for, and use of, funds• Include schools and library district early• Replication requires leadership from the start
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Opportunities• Share experience and knowledge
o Fire Departments + Communities + Insurance
• Improved Insurance Claims Processes• Prepare and mitigate to reduce future risk
o Along Front Range and Across Coloradoo Mitigation must be an ongoing processo Prepare for disaster……. and for recoveryo Education and communication
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Mountain Shadows Today
221 Homes Rebuilt 38 Under Construction
75% Recovery in 21mo.
December 2013
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Black Forest Together Start UpCST engaged on day 2 of fireCST provided immediate web info.VERY quick local agency responseAnniversary Concert + Art Auction
- New Beginning and Sign of Hope
Adapted CST model for recoveryDiscount cardMentor programExtensive insurance consulting
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Private Sector Driven Recovery
• Create market-based solutions• Access private-sector funds
Foundations + Corporations + Individuals• In there for the long haul
While government returns to normal business
• Agility to meet changing needs in recoveryFunctional focus >>>>> Neighborhood focusLimited bureaucracy – Engage with all groups
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Colorado Springs Together: Insurance Lessons Learned
John E. Putnam, CPCU, ARM Insurance Team Member
jeputnam@aol.com Colorado Springs Together
April 30, 2014
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Catastrophic Claims Environment
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Replacement Value
Most Replacement Values Understated
Wide Market Variations in Computing RV
Replacement – Market Value - Rebuild
Remodel/Upgrades Values Often Not Included
Replacement Costs Increase Post Catastrophe
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Replacement Value - Opportunities
Improved Processes for Estimating Pre-Loss Replacement Costs
Increased Consumer Education on Meaning and Importance of Replacement Costs
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Law & Ordinance
Jurisdictional Differences
Who Determines Application of Code? Agent, Customer, Adjuster, Builder
Which Codes Apply? Pre-Loss, Post-Loss, Both
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Law & Ordinance - Opportunities
Public-Private Dialogue to Increase Standardization of Codes
Increase Customer, Agent, and Adjuster Education Regarding L&O
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Smoke & Heat Claims
Can Partial Losses Be Worse Than Total Losses?
Minimal Consensus on Handling These Claims
Does Wildfire Smoke Damage Property?
How Do You Measure Damaging Heat?
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Smoke & Heat Claim - Opportunities
Private Industry Collaboration on Consistent Best Practices to Remediate Smoke
Better Methods for Determining Extent of Smoke and Heat Damage Claims
Accelerated Processes to Resolve Claims
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Uncovered Losses
Business Income in Tourist Area at Peak Season
Business Income Resulting from Subsequent Flash Floods
Business Income Losses From Home Businesses
Income Loss Due to Claim Activities
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Colorado Natural Disasters – The New Normal?
Short & Long Term Insurance Implications
Improved Claim Resolution Processes Required
Making the Case for Mitigation and PreparednessPublic - Private Partnerships for Risk Management,
Preparedness and Recovery
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Questions?
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Lessons Learned from Colorado Disasters
Governor’s Recovery Office
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24 Counties… 28,000 People … 2,000 Square Miles of Land … Over $3B in damage … largest disaster in Colorado
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Why create a Governor’s Recovery Office?
1. Set priorities Ensure appropriate sequencing is in place and visible internally and
externally Ensure all Federal, State and Local resources are identified and accessed
2. Deliver results with an ongoing sense of urgency Assist local communities in having adequate match funding Assist agencies with any roadblocks to speedy recovery Stay coordinated with our delegation and Federal Agencies (e.g. HUD and
FEMA)
3. Build for the future – make things better than before Ensure 90% of short-term actions build towards a longer-term plan / vision
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Our first five months were all about coordination and communication
100% State Roads operational by Dec 1st
100% impacted families out of temporary housing by end of November
Communicate weekly via various channels
Maximize FEMA and other Federal / State funding available
Prepare for HUD CDBG – DR assessment and funds as part of mid to long term planning
With communities, create 2-3 year recovery strategy
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We organized our cross-functional team to drive towards action, transparency and results
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Recovery Office
Recovery Working Team
Recovery Managers
DHSEM / FEMA
CDOT / National Guard
Represents agencies and cabinet involved in recovery efforts
Represents local counties; supported by CDPS and DOLA
Represents Governor’s Office of overall plan, actions and progress
Represents Office of Emergency Management, Department of Public Safety and FEMA
Represents Colorado Department of Transportation and National Guard from 5 states
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Measuring our progress was critical throughout our recovery (example below)
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Priority Area Source Metric Baseline As of 04/14 Goal
Infrastructure Total Land Impact OEM Total square miles impacted 2,000 NA NA
Water
CDPHE
% drinkable water 94%587
99.5%619
100%622
% Waste Water Treatment Facilities (WWTF) open1080 total facilities
97.1%1049
99.6%1076
100%1080
# of WWTF not operational 31 4 0
# of WWTF needing service restored 16 3 0
# of WWTF needing repair 33 28 0
# drinking water treatment plants needing service restored 11 3 0
# drinking water treatment plants needing repair 37 26 0
DNR
% of dams inspected# of dams inspected
100%207
100%207
100%207
No. of dams with flood caused damage 76 25 0
% of diversion structures and stream gauges inspected and identified as permanently repaired
100% (246) 64% (160) 100%(246)
Gas / Power PUC% habitable homes with gas/power1,078,987 total (At PEAK, 14,230 w/o) – Xcel #s only
98.68%1,078,987
100%1,078,987
100%N/A
# customers without natural gas 757 0 0
# customers without electricity 191 0 0
Bridges CDOT # of bridges inspected in impacted areas 0 411 411 (100%)
# of bridges needing repair 120 12 0
State Highway
System Closures
# closed 27 0 0
# (%) now open 0 (0%) 27 (100%) 27 (100%)
State Highway Miles (%) Affected 485 44.7 (9%) 0 (0%)
Miles Closed N/A 0 0
Miles with Lane Restrictions N/A 44.7 0
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Being able to connect with our communities in real time was a priority
Key Stats:• 27.7K page views
• New visitors - 64%• 34% returning visitors• 18% coming in from
mobile traffic
Most viewed pages: • Updates• Get Help• Volunteer/Donate
Social Media:• Twitter 341 followers• Facebook 271 likes
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We leveraged ColoradoUnited.com to capture issues and questions… with a 24 hour response
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CRO
Ow
ner:
ABB
Category Total No. Closed
Made Contact?
No. Open
Infrastructure 18 16 Y 2
Individual 54 50 Y 4
Economic 5 4 Y 1
Community 28 26 Y 2
Environment 2 2 Y 0
Other 3 3 Y 0
Total 110 101 - 9
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As we move forward, we will not lose sight of our mid to long term strategy
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Environment-Wetlands -Riparian Habitat -Critical Habitat - NEPA Requirements - Mitigation Efforts - Other
-
Stream / Floodplains
• Exigent Efforts• Mid-Long Term• Zoning• ABFE• BFE• Housing
• Land Use• Transportation
Corridors• Reconstruction of
Public/Private Infrastructure
• Future land Use• Future Zoning
Housing
• Manufactured Housing Communities
• Multi-family Structures
• Single Family Structures
• Residents - Owners & Renters
• Small Business• Communities
Infrastructure
• Private Roads• Private Bridges• County Roads• County Bridges• State Owned
Elements• Dams
• Access to Homes & Emergency Services
• Water Rights• Diversion &
Irrigation Companies
Debris
• Sediment• Tree / Brush
(Woody) • Building,
Pavement & Structure
• Land Use• Transportation
Corridors• Delays to
Public/Private Rebuilding
• Reconstruction / Retrofitting of Structures
Community / Economic
•Small Business•Private Non Profit (PNP’s)•Cultural / Historical
•Tourism (Loss)•Community Services (Loss)•Customers & Tax-base (Loss)•Facility Use •Access to Public Materials
Recovery Area
Issue:
Type:
Impacts to:
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Learnings as we move forward
Continue listening to others who have similar experiences, e.g. Vermont, New Jersey, and Alberta Canada
Full time effort over next 2 to 4 years – keep a constant sense of urgency daily
Cooperation and partnership at Federal, State and Local levels is key
Washington D.C. as an advocate
Private sector as a partner
Local community buy-in and leadership is critical
Transparency in how we address and fund “unmet needs”41
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LYONS, COLORADO
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Lyons: A 500 year flood event
•Lyons, Colorado: Town of 2,050 in the foothills at the confluence the North and South St Vrain Creeks in Boulder County•Typical peak spring run-off at confluence is 600-700 c.fs. •Estimated river volume at flood peak September 12th was 19,600 c.f.s.
•With road and bridges washed out or under water, residents were isolated on six different ‘islands’ for several days before National Guard evacuation. One local resident died in the flood waters.
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Significant impacts on public infrastructure
•All utility systems (water, sewer, electric and gas) were damaged and inoperable•Town Hall and library flooded (neither was in the floodplain)•Public works building destroyed and all equipment in it lost•Local public schools had to be temporarily relocated to Longmont due to lack of utilities and access •Damage to public infrastructure (roads, bridges, stream bank stabilization, parks, wastewater, water and electric systems) estimated at $60 million• This figure does not include insured public buildings or restoring stream channel•Lyons is CIRSA’s largest claim ever
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20 percent of housing stock affected
•211 residential structures damaged in Town of Lyons: 43 mobile homes and 178 houses. Of houses, about 1/3 were flooded basements with 2/3 suffering greater levels of damage •Concentrated heavily in the lower income population - high percentage of seniors, artists, musicians, working class, homeowners•145 previous residents who wish to return are still displaced•Personal property damages in addition to structures
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Widespread business losses:
•Lyons is 100% independently-owned small businesses. •All closed for 6 weeks due to lack of utilities – loss of sales and inventory•About 5-10 businesses suffered flood damage, few of these were in the actual flood plain, so not insured•Several businesses have closed•Economic base of parks and Planet Bluegrass heavily impacted
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Initial recovery milestones – 6 months after the event
• Local foundations have channeled over $1.5 million to residents and businesses
• Mid-December – end of March community planning effort: Lyons Recovery Action Plan sets priorities for recovery
•Utilities restored with temporary systems within 6 – 10 weeks•Schools relocated and Town Hall repaired by early December•Temporary roads and culverts installed•Temporary berms in river to protect against spring run-off•Massive debris removal activities•Large-scale effort by humanitarian organizations to assist homeowners mucking out and initiate repairs
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Financing flood recovery• Cannot self-insure against catastrophic loss. Of $60 million:
• State of Colorado sliding scale relief on match of up to 22.5%.• New cash flow mechanism created by the State• Lyons voters approve $1 million FEMA Community Disaster
Loan for operating expenses to offset TOL revenue declines • Additional grant resources – GoCo $1 million, etc.
FEMA Public Assistance (75%) $45.0 million
State of Colorado (12.5%) $ 7.5 million
Local match required (12.5%) $7.5 million
Total Town of Lyons reserves $4.8 million
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Lessons learned: What worked well• Well-trained emergency responders (Boulder County Sheriff,
Lyons Fire District, Lyons Public Works Dept); sirens saved lives• Extraordinary community response/engagement• Committed Town Staff and community leadership• We were not alone: Partnerships with Boulder County, City of
Longmont, State of Colorado (DOLA, Governor’s Office, OEM, legislative representatives), FEMA
• Humanitarian and volunteer efforts• State goes above and beyond to help finance recovery in
hardest hit communities like Lyons
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Lessons learned: Challenges• Navigating post-disaster bureaucracies (for
government and affected residents)• Implementation capacity of a small town• Limitations of insurance for businesses and
residents• Extremely complex technical issues• Building affordable replacement housing• Complications to access funding
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Lyons’ vision: Building back better and more resilient
Thank youPhoto credits: Bonnie-Sue Hitchcock, Joseph Lekarczyk, Kenneth Wadja
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