DAWN CORNELIUSVice President of Marketing and Communications

RALPH SCHULZPresident and CEO

MAYOR JOHN COOPER

CHRISTY PRUITT-HAYNES

Chief Truth Teller, Our TruthsFounder, Christy Pruitt-Haynes Consulting

TABITHA AND JOSHUA MUNDY

Music City CleanersThe Fortitude GrouptheLab NashvillePivot Technology School, LLC

Owner/Founder

MARCH 2020Nashville Tornado Hits624 Jefferson Street

THE FORTITUDE GROUP

L

MYRA SHIRD

Federal Coordinating Officer, Federal Emergency Management AgencyFEMA 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 RESPONSEAs 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 CHANNELSBA 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. 800-659-2955Email: 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 offerVIRTUAL 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 BARNESSenior Planner, Office of Continuous Operations and Risk Management

U.S. Small BusinessAdministration

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 HAYMANCatastrophe Team Specialist

DISASTER RECOVERYINFORMATIONThe insurance claims process and essential policy language

KEITH HAYMANGGG/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

PresidentNashville Bar Association

VIVIAN WILHOITEAssessor 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 – 27,838Residential/Farm – 219,132

Vivian M. Wilhoite, Assessor of Property, Davidson County

Vivian M. Wilhoite, Assessor of Property – Davidson County

Property Valuation at Post Damage ValuesTenn. 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 HERBERTDirector, Metro Codes

KENYATTA LOVETT

Assistant CommissionerTN Department of Labor & Workforce Development

MARLA RYE

PresidentWorkforce 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 Middle TN Workforce Development BoardWorkforce Services Available to Employers & Dislocated Workers

• Employer Services• Incumbent Worker Training

•Dislocated Worker Services•Career Services & Training

TN Department of 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 COLEMANChief Growth Officer

Q&A

RESOURCES IN ATTENDANCE

JANE ALLENCEO

BRYNN PLUMMERVP of Inclusion and Community Relations

KEITH HAYMANGGG/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 ve r y t ho r ough

• Pr ov ide pos t - l oss p i c t u res .

• I f t he re a re s t r uc tu ra l i s sues w i t h t he bu i l d i ng , have a h i gh l y

qua l i f i ed eng inee r p rov ide a r epo r t and c l ea r r ecommenda t i ons f o r r epa i r

• Documen t and commun ica te any h i dden o r d i scove rab le damage i den t i f i ed du r i ng t he p rocess

• Have a qua l i f i ed con t r ac to r p rov ide a ve r y de ta i l ed es t ima te

f o r t he bu i l d i ng c l a im .

• Mos t i nsu rance compan ies use a so f twa re p rog ram ca l l ed

Xac t im a te . I nsu r ance c l a im s and t he ad jus tm en t p r ocess a re eas ie r i f you p rov ide i n a f o rma t t he ad jus te r i s

accus tomed t o r ev i ew ing .

• T he l oca l bu i l d i ng o rd i nance may r equ i r e dam aged bu i l d i ngs be b rough t up t o code . T he re may be some cove rage o r

l im i t ed cove r age i n you r po l i c y t o pay f o r code upg r ades .

• Work w i t h t he i nsu rance company rep resen ta t i ves t o come

to an ag reed scope o f damages and p r i c i ng .

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 COVERAGEI f y o u r p r o p e r t y d i d n o t s u s t a i n p h y s i c a l d a m a g e a n d y o u h a v e c o v e r a g e f o r t h e p e r i l o f w i n d s t o r m , y o u r b u s i n e s s i n t e r r u p t i o n

c o v e r a g e m a y b e t r i g g e r e d f o r t h e f o l l o w i n g :

• U t i l i t y S e r v i c e I n t e r r u p t i o n C o v e r a g e — c o v e r a g e f o r l o s s d u e t o l a c k o f i n c o m i n g e l e c t r i c i t y c a u s e d b y d a m a g e f r o m a

c o v e r e d c a u s e ( s u c h a s a f i r e o r w i n d s t o r m ) t o p r o p e r t y a w a y f r o m t h e i n s u r e d ' s p r e m i s e s — u s u a l l y t h e u t i l i t y g e n e r a t i n g

s t a t i o n . A l s o r e f e r r e d t o a s " o f f - p r e m i s e s p o w e r c o v e r a g e . " N o t p r o v i d e d i n a s t a n d a r d p r o p e r t y i n s u r a n c e p o l i c y b u t

a v a i l a b l e b y e n d o r s e m e n t . U t i l i t y s e r v i c e i n t e r r u p t i o n c o v e r a g e e n d o r s e m e n t s v a r y w i d e l y a s t o w h a t u t i l i t y s e r v i c e s a r e

i n c l u d e d , w h e t h e r b o t h d i r e c t d a m a g e a n d t i m e e l e m e n t l o s s a r e c o v e r e d , a n d w h e t h e r t r a n s m i s s i o n l i n e s a r e c o v e r e d .

• A c i v i l a u t h o r i t y c l a u s e , a l s o k n o w n a s a p u b l i c a u t h o r i t y c l a u s e , i s a n i n s u r a n c e p o l i c y p r o v i s i o n t h a t o u t l i n e s h o w t h e l o s s

o f b u s i n e s s i n c o m e c o v e r a g e ( B I C ) a p p l i e s w h e n a g o v e r n m e n t e n t i t y d e n i e s a c c e s s t o t h e i n s u r e d p r o p e r t y .

• D e p e n d e n t P r o p e r t i e s T i m e E l e m e n t C o v e r a g e — t i m e e l e m e n t p r o p e r t y i n s u r a n c e t h a t p a y s f o r t h e l o s s o f i n c o m e o r

i n c r e a s e i n e x p e n s e s r e s u l t i n g f r o m d a m a g e f r o m a c o v e r e d c a u s e o f l o s s t o t h e p r e m i s e s o f a n o t h e r o r g a n i z a t i o n o n w h i c h

t h e i n s u r e 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 t o m e r . T h e t w o t y p e s a r e d e p e n d e n t p r o p e r t i e s b u s i n e s s i n c o m e

c o v e r a g e a n d d e p e n d e n t p r o p e r t i e s e x t r a e x p e n s e c o v e r a g e . P r e v i o u s l y r e f e r r e d t o a s c o n t i n g e n t t i m e e l e m e n t c o v e r a g e .

• I n g r e s s / e g r e s s c o v e r a g e i s d e s i g n e d t o p a y f o r t h e l o s s o f i n c o m e t r i g g e r e d b y p h y s i c a l l o s s o r d a m a g e c a u s e d b y a

c o v e r e d p e r i l t o t h i r d - p a r t y p r o p e r t y t h a t p r e v e n t s o r h i n d e r s i n g r e s s t o o r e g r e s s f r o m t h e i n s u r e d ’ s b u s i n e s s .

CONTENTS• Be very thorough

• Provide post loss pictures.

• Include and applicable taxes, shipping and assembly costs

• Include support documentation of replacement cost pricing

DEBRIS REMOVALYou may have addit ional coverage in your pol icy above your pol icy l imit for debris removal for your bui lding 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 outrageous 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 of 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?