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FMIT Alert
Hurricane Nicole
Follow Up

 
Nicole has left behind isolated areas of significant damage, but did not affect a majority of FMIT Members adversely. So far, the largest impacts observed include, but are not limited to, flooding, storm surge, minor wind damage & isolated tornado activity.

FMIT Members are reporting mostly minor damages to real property & receiving field support via the FMIT Turnkey Recovery℠ Program. If you have damages, please call the FMIT Claims Hotline or use propclaim@flcities.com to request an FMIT Damage Report Template, which should be used for reporting purposes.

Included in your property policy, FMIT offers unique coverage endorsements to support Members, such as Property Damage Mitigation Coverage (PDMC) and Extra Expense to support operations following Hurricane Nicole. PDMC is designed to provide immediate support for minor damages to scheduled buildings to stabilize the building by removing damaged materials, water, and temporary stabilizing the building through tarping, security fencing, etc. Members have 30 days from landfall to initiate PDMC, which is pre-authorized with no deductible if SynergyNDS is performing the services. For more information, please reach out to a member of the FMIT catastrophe team at the number listed below.

FMIT’s CAT Room in Orlando remains active to support Member Damages. FMIT has setup up Non-Scheduled PITO (NSP) claims for Members in affected area as placeholder for potential damages to fixed structures (such as fences, lights, etc.) that are not on your schedule of values, but are located at scheduled locations. If you have these damages and do not yet have an NSP claim setup for Nicole, please contact the FMIT Hotline listed below.

How to Report Damages to FMIT

To request assistance after Nicole or report damages to assets on your property schedule or at scheduled locations, please contact the FMIT Hotline at 844.FMIT.CAT (844.364.8228).

You may also email propclaim@flcities.com to request an FMIT Damage Report Template. This Excel file will include your 2022-2023 Schedule of Values along with areas to input damage information. This can be sent to your teams or shared online so it can be updated with all damages and reported together. Please do not use the FMIT website, as that is designed for non-CAT losses. Using the FMIT Damage Report template will help everyone in the reporting and claims adjudication process.

If you would like to receive FMIT Nicole text alerts, please text “FMIT” to 855.218.0584. At this time, we are currently experiencing temporary technical difficulties with our alert texting system. Our support team is looking into it and texts should resume sending once the issue has been resolved. We apologize for any inconvenience this may cause.
* This alert is sent to members of the Florida Municipal Insurance Trust (FMIT) as part of their industry-leading property insurance recovery program. These alerts keep FMIT Members aware of impending events as well as provide strategic and tactical information with regard to FMIT response activity in the event of a disaster. If you do not wish to receive this information, please click "Unsubscribe" at the bottom of this email. This alert is for informational purposes only and not an adjudication of any claim you may have under your FMIT policy. Claims adjudication is subject to the terms and conditions of your policy. FMIT reserves all rights under the policy and nothing in this alert should be considered a waiver of any rights under the policy or applicable law. Please contact a licensed FMIT claims adjuster regarding specific questions or circumstances related to an actual claim.
 
FMIT Discussion:
  • FMIT is standing by to support Members potentially impacted by Hurricane Nicole. Some of the possible impacts from the system include flooding, storm surge, wind damage & isolated tornado activity.
  • Named Storm Damages are only applicable when damages occur in an area that is under an active Tropical Storm and/or Hurricane Watch. Outflow due to the storm’s interaction with weather systems outside of TS/Hurricane Watch/Warning areas does not trigger Named Storm endorsements in the policy. Generally speaking, this is beneficial to FMIT Members, as deductibles are limited to the single occurrence Property & Casualty Deductible, not on a per asset percentage basis.
  • In named storm events such as Nicole, FMIT offers Property Damage Mitigation Coverage up to $500,000 per event. This unique form of coverage is available to assist Members with emergency stabilization measures.
  • FMIT Ride-Out Teams are currently on the ground performing damage assessments to FMIT insured property that sustained damages from Hurricane Nicole.
  • FMIT’s CAT Room in Orlando remains active to support Member Damages. FMIT setting up NSP claims for Members in affected area as placeholder for potential damages to fixed structures (such as fences, lights, etc.) that are not on your schedule of values, but are located at scheduled locations.
  • County Emergency Managers List - For additional contact information about your county, please Click Here.
How to Report Damages to FMIT
  • Call 844.FMIT.CAT (844.364.8228) to report any losses to your insured property and activate the FMIT Turnkey Recovery program for immediate response to any property losses you may have incurred. Also:
  • To request assistance after Nicole, please contact the FMIT Hotline above. To report Nicole damages to assets on your property schedule or at scheduled locations, please contact the FMIT Hotline or propclaim@flcities.com to request an FMIT Damage Report Template. This Excel file will include your 2022-2023 Schedule of Values along with areas to input damage information. This can be sent to your teams or shared online so it can be updated with all damages and reported together. Please do not use the FMIT website, as that is designed for non-CAT losses. Using the FMIT Damage Report template will help everyone in the reporting and claims adjudication process.