This podcast and the corresponding Adjusting Today article titled, "Disasters, Raising Questions of Insurance Adequacy: Bombings! Hurricanes! Earthquakes! Fires!" is designed to assist policyholders in making educated decisions regarding insurance coverages. In this episode, our expert panelists discuss the ever-changing landscape of insurance coverages in the face of disasters such as bombings, hurricanes, earthquakes, fires and more. This conversation explores risks that property owners may face, both natural and man-made, that can affect their coverage.   Key Takeaways: [2:06] Is there a place in the world that is immune to disasters, man-made or natural? [2:49] Advice for business owners who have just suffered a disaster. [4:45] Is it true that after a large scale disaster, tenants who did not experience damage to their property may be prevented from re-occupying their property by order of Civil Authority?  [10:34] What do business owners need to know about Civil Authority coverage? [13:53] What is the extended period of indemnity and how can business owners use this coverage after a property loss occurs? [19:28] Examples of obtaining materials in a low supply, high demand environment after a disaster. [24:03] Real life examples of common mistakes made by policyholders with regards to disasters. [28:16] How can home and business owners be sure they are evaluating their coverages adequately? [34:10] If a property owner owns more than one property at multiple locations, can all the locations be covered on one policy? [36:33] If a contractor cuts corners and the property is damaged afterward, what are some possible consequences for the insured? [46:26] Does a standard insurance policy cover documents and records lost during a disaster, and what coverages can help mitigate risk? [47:46] Are there unusual examples of man-made disasters that can help others learn from past mistakes? [51:41] The panels final thoughts on adequate coverages for manmade and natural disasters.   Panelists: Luis Esteves, Principal & Executive General Adjuster at Jansen/Adjusters International Clay Gibson, Professional Public Insurance Adjuster - The Greenspan Co./Adjusters International  John Marini, President and CEO - Adjusters International Bill Sharpe, Commercial Insurance Loss Consultant - Jansen/Adjusters International C. Todd Thomas, Executive Director of Consulting and Services and member of the Society of Risk Management Consultants -  Adjusters International    Mentioned in This Episode: Adjusters International Adjusting Today - "Disasters, Raising Questions of Insurance Adequacy"