Wednesday, October 7, 2015

After the Storms, watch your wallet!

Scammers are known to follow in the wake of natural disasters. They may claim to be able to fix damage done by the storm, or seek contributions to fake charities to help storm victims.
After a disaster, guard against home repair scams:

  • Don’t pay for work up front. Inspect the work and make sure you’re satisfied before you pay. A small down payment may be required for some projects, but don’t pay anything without getting a written contract. Avoid paying with cash.
  • Beware of any contractor who tries to rush you or comes to your home to solicit work. If an offer is only good now or never, find someone else to do the work. Seek recommendations from friends, neighbors, co-workers and others who have had work done on their homes.
  • Get three written estimates, if possible, and compare bids. Check credentials and contact our office and the Better Business Bureau to learn about any complaints against the contractor. Get a written contract detailing all work to be performed, costs and a projected completion date, and get their certificate of insurance directly from their insurance company.

To help storm victims, make sure your donations will do the most good by avoiding charity scams:

  • Don’t respond to unsolicited emails and text messages asking you to give, and be wary of social networking pleas for donations. Fraudulent messages may look legitimate and use the name of real charities.
  • Watch out for pushy telemarketers, and say no to high-pressure appeals. If a caller refuses to answer your questions about the charity, offers to pick up a donation in person, or calls you and asks for a credit card, bank account or Social Security number, donate elsewhere.
  • Before you make a donation, do your homework first. To report a charity scam, call the Attorney General’s Office. To check up on a charity, call the Secretary of State’s office toll‑free at (888) 830‑4989.

For more tips and information, visit If you spot a storm scam, call Attorney General Roy Cooper’s Consumer Protection Division at 1-877-5-NO-SCAM toll-free within North Carolina or file a complaint online.

This message brought to you on behalf of North Carolina Attorney General Roy Cooper.

Monday, October 5, 2015

Senn Dunn Insurances announces 7 new hires in September!

Senn Dunn Insurance is excited to announce the hiring of 7 new associates in September!

Lesley Cave
Employee Benefits Account Manager
Charlotte Office

Melissa Franklin
Employee Benefits Account Manager
Greensboro Office

Dawn Roberts
Strategic Account Executive
Greensboro Office

Rosemary Kennedy
Administrative Associate
Greensboro Office

Shonté Jones
Employee Benefits Account Manager
Raleigh Office

Nicole Weingrad
Employee Benefits Account Manager
Greensboro Office

Katy Salvado
Business Insurance Associate
Raleigh Office


Thursday, October 1, 2015

Hurricane Preparedness: Are you Prepared?

What Is a Hurricane?

A hurricane is a tropical storm that has rotating winds of at least 73 mph, but rarely exceeding 150 mph. Hurricanes are usually accompanied by rain, thunder, and lightning. These severe storms, which are spawned by low-pressure depressions moving over warm, tropical waters, originate in the Atlantic Ocean from June to October. In an average year, approximately six Atlantic tropical storms mature into hurricanes. (Hurricanes that originate in the Pacific Ocean are referred to as typhoons.)

As the warming air rises and gains moisture, it begins to spin and gain speed near the calm center, known as the eye of the hurricane. Surrounding the eye is a towering wall of moisture laden clouds whirled by strong winds.

At the center of the hurricane, the low pressure allows the surface of the ocean to be drawn up into the eye, forming a mound of water one to three feet higher than the surrounding surface. Driven by winds, this mound of water becomes the storm surge; as the storm makes landfall, the storm surge can tower up to twenty feet higher than the normal high tide.

What Happens When a Hurricane Makes Landfall?

Once a hurricane hits land, it loses contact with its primary source of energy, the warm ocean waters, and begins to slow down. As the hurricane passes over land, increased friction contributes to the break-up of the storm.

The greatest threat posed from a hurricane is from the heavy rainfall and from flooding caused by the storm surge. However, hurricane-force winds and flying debris can cause extensive damage until they dissipate. Hurricanes can also spawn tornadoes that are extremely dangerous and that contribute to the overall damage.

Hurricanes can cause catastrophic damage and potentially large losses of life. In recent years, the death toll from hurricanes has been greatly diminished by timely warnings of approaching storms and by improved programs of public awareness. At the same time, losses from hurricane-related property damage in the United States continue to climb; this is primarily due to an increase in population and construction.

Hurricane Forecasting

The National Oceanic and Atmospheric Administration's (NOAA) National Hurricane Center in Miami, Florida uses satellite imagery, radar, and weather balloons to spot conditions that could trigger a hurricane.

As the storm nears land, NOAA and the Air Force use special aircraft to fly through the hurricane, measuring wind speed and barometric pressure and gathering other data. The information gathered is analyzed by computer models that estimate the storm's strength, rate of development, path, and estimated storm surge. Based on this information, NOAA issues a tropical storm warning, a hurricane watch, or a hurricane warning.

A tropical storm warning may be issued if winds of 39 to 73 mph are expected in an area. Such a warning will not be issued first if a hurricane is expected to strike.

A hurricane watch is issued for coastal areas when a tropical storm or hurricane conditions threaten within 24 to 36 hours.

A hurricane warning is issued for specific coastal areas when hurricane-force winds are expected to strike within 24 hours or less.

Usually, warnings allow sufficient time to prepare against hurricane damage and to make decisions for evacuation of personnel, if proper preparation had been taken at the beginning of the hurricane season. Use the checklists on the following pages to review essential steps in hurricane preparedness, response, and recovery.

Emergency Preparedness: Before the Hurricane

At the beginning of the hurricane season:

o  Establish an Emergency Preparedness Plan (EPP) that takes prevention, emergency response, and
disaster recovery into consideration. If an EPP is already in place, review and update it as needed for hurricane readiness.
o   Designate an Emergency Coordinator and an EPP Team. Assign responsibility to specific employees for advance arrangements to initiate the plan.

o   Insure that your insurance carrier claims reporting information is up to date.
o   Brace outside storage tanks and outer structures.
o   Inspect all battery powered equipment and backup power.
o   Inspect sewers and drains.
o   Check all drainage pumps.
o   Inspect the roof and flashing for serviceability.
o   Check the landscaping; prune dead branches.
o   Have a supply of plastic or tarpaulins on hand ready to cover water-sensitive equipment.

At the approach of the hurricane:

o   Inspect roof drains and piping; are they clear of debris and fully functional?
o   Check floor drains and sumps; are they clear of debris and fully functional?
o   Check all storm water catch basins and grates to be sure they are clear of debris.
o   Be sure that roof flashing is secure.
o   Make sure that doors and windows will remain latched.
o   Protect windows from flying debris.
o   Walk the grounds; move objects inside that could become missiles in high winds.
o   Anchor any equipment stored outside that could be moved by high winds.
o   Move supplies stored outside to inside storage.
o   Assemble supplies for the emergency crews and for emergency repairs.
o   Protect vital records against flooding and wind.
o   Secure backup records.
o   Inspect fire protection equipment.
o   Top off fuel in the emergency generators ; test run.
o   Evacuate non-essential personnel.
o   Have remaining personnel take shelter.
o   Check the supply and serviceability of sandbags.

Emergency Response: During the Hurricane

o   Patrol the facility continuously, as long as it is safe to do so.
o   Check for any damage to the structure.
o   Check for leaks and fire systems impairment.
o   Complete any emergency repairs that are possible and safe to perform.
o   Shut off any valves where pipes have been broken.
o   Watch for flooding. Use sandbags when necessary.
o   Watch for reverse winds after the eye of the storm has passed. They will affect different areas and perhaps break trees that had been blown in the other direction.

Emergency Recovery: After The Hurricane

o   Conduct a roll call of all personnel on the premises.
o   Assess the damage.
o   Check for safety hazards (downed trees, branches, downed power wires, leaking gas, blocked roof drains, reptiles).
o   Make temporary repairs to protect the structure and supplies.
o   Photograph and document any damage.
o   Promptly report the loss to your insurance carrier, contact your Senn Dunn Service Team for
assistance.  Visit to get detailed information on claim reporting.
o   Begin salvage operations.

Hurricane Related Websites & Mobile Applications

The following sites provide additional information and resources on hurricane (windstorm) preparedness and mitigation:

“Hurricane “App by the American Red Cross – in iTunes for iOS and Google Play for Android

National Oceanic and Atmospheric Administration (NOAA)- National Hurricane Center (NHC) -

National Weather Service -

The Weather Channel -

IBHS - Institute For Business & Home Safety -

American Red Cross -

Sandbagging for Flood Protection -

Hurricane Categories Defined (Saffir-Simpson Hurricane Scale)

Category 1 Very dangerous winds will produce some damage - storms usually cause no significant structural damage to building structures; however, they can topple unanchored mobile homes, as well as uproot or snap trees. Poorly attached roof shingles or tiles can blow off. Coastal flooding and pier damage are often associated with Category 1 storms.  Examples of storms of this intensity include: Hurricane Alice (1954), Danny (1985), Jerry (1989), Ismael (1995), Gaston (2004), Humberto (2007), Claudette (2003), Hanna (2008), and Barbara (2013).

Category 2 Extremely dangerous winds will cause extensive damage - storms are strong enough that they can lift a house, and inflict damage upon poorly constructed doors and windows. Vegetation, poorly constructed signs, and piers can receive considerable damage. Mobile homes, whether anchored or not, are typically damaged, and many manufactured homes also suffer structural damage. Small craft in unprotected anchorages may break their moorings.  Hurricanes that peaked at Category 2 intensity, and made landfall at that intensity, include Diana (1990), Erin (1995), Alma (1996), Marty (2003), Juan (2003), Dolly (2008), Alex (2010), Ernesto (2012), and Arthur (2014).

Category 3 Devastating damage will occur - tropical cyclones and higher are described as major hurricanes in the Atlantic or Eastern Pacific basins. These storms can cause some structural damage to small residences and utility buildings, particularly those of wood frame or manufactured materials with minor curtain wall failures. Buildings that lack a solid foundation, such as mobile homes, are usually destroyed, and gable-end roofs are peeled off. Manufactured homes usually sustain severe and irreparable damage. Flooding near the coast destroys smaller structures, while larger structures are struck by floating debris. Additionally, terrain may be flooded well inland.  Examples of storms of this intensity include Carol (1954), Alma (1966), Alicia (1983), Fran (1996), Isidore (2002), Jeanne (2004), Lane (2006), Bertha (2008), and Karl (2010) .
Category 4 Catastrophic damage will occur - hurricanes tend to produce more extensive curtain wall failures, with some complete roof structural failure on small residences. Heavy, irreparable damage and near complete destruction of gas station canopies and other wide span overhang type structures are common. Mobile and manufactured homes are leveled. These storms cause extensive beach erosion, while terrain may be flooded far inland.

The Galveston Hurricane of 1900, the deadliest natural disaster to hit the United States, peaked at an intensity that corresponds to a modern-day Category 4 storm. Other examples of storms at this intensity are Hazel (1954), Carmen (1974), Iniki (1992), Luis (1995), Iris (2001), Charley (2004), and Dennis (2005).

Category 5 Catastrophic damage will occur - is the highest category a tropical cyclone can obtain in the Saffir-Simpson scale. These storms cause complete roof failure on many residences and industrial buildings, and some complete building failures with small utility buildings blown over or away. Collapse of many wide-span roofs and walls, especially those with no interior supports, is common. Very heavy and irreparable damage to many wood frame structures and total destruction to mobile/manufactured homes is prevalent. Only a few types of structures are capable of surviving intact, and only if located at least 3 to 5 miles (5 to 8 km) inland. They include office, condominium and apartment buildings and hotels that are of solid concrete or steel frame construction, public multi-story concrete parking garages, and residences that are made of either reinforced brick or concrete/cement block and have hipped roofs with slopes of no less than 35 degrees from horizontal and no overhangs of any kind, and if the windows are either made of hurricane resistant safety glass or covered with shutters.  Storms of this intensity can be severely damaging.  Storms reaching category 5 status and made landfall include the Labor Day Hurricane of 1935, the 1959 Mexico Hurricane, Camille in 1969, and Gilbert in 1988, Andrew in 1992, Dean, and Felix (Both 2007).

If you need to report a claim please call: 800-598-7161 extension 2001.

You may also report directly to your carrier  but you may also contact us with any questions or concerns.

Wednesday, August 26, 2015

Scammers Try to Exploit Travel Season

Many people hit the road in the summer, and crooks know it. Watch out for scammers posing as loved ones who run into trouble while traveling and need your money.

Emails from overseas

You get an email that appears to come from a friend or relative who says they were traveling overseas when disaster struck. Lost or stolen bags, a car accident, or some other calamity means they’re stuck and need you to send them money. In reality, your friend or family member probably isn’t overseas, and if they are, they don’t need your money. A crook sent the fraudulent email hoping your desire to help a loved one in need will override your common sense.

Grandparent scam

The “Grandma, it’s Me” scam plays on the same emotions and can be more believable during summer months when young people often travel. Seniors get a call from someone posing as their grandchild who claims to have been arrested or in an accident while away from home. The phony grandchild says they don’t want to bother Mom and Dad, so they ask Grandma or Grandpa to send them some money and keep it a secret. Victims may get a follow up call from someone posing as police, requesting more money on the grandchild’s behalf.

Several recent victims told our office they knew their grandchildren were on a trip and that made the con more plausible. Grandparent scammers also sometimes use information they find on social networking sites like Facebook to make their impersonation more realistic.


If you get desperate plea for money from traveling friends and family, resist the urge to send money right away. Instead:

·         Contact loved ones directly, such as by cell phone, and ask if they’re really in need of your help.
·         Ask callers questions that only the real person would know.
·         Report scams to the Attorney General’s Consumer Protection Division by calling 1-877-5-NO-SCAM or filing a complaint online at

This message brought to you on behalf of North Carolina Attorney General Roy Cooper.

Tuesday, August 25, 2015

Words to make a parent nervous: Teen driver

New teen driver. As both the father of a new driver and an underwriter, those words make me nervous. But some proactive discussion among the new driver, his or her parents and your local agent can make the teenage driving years a lot less stressful.



Wednesday, August 19, 2015

5 major changes in P&C insurance since Hurricane Katrina

In the early morning hours of August 29, 2005, Hurricane Katrina struck the Gulf Coast of the United States, resulting in more than $41 billion in insured property damage, with total economic damage topping $100 billion. The fallout from Katrina has led to significant changes within the insurance and risk management industry.

According to the Marsh report, "10 Years After Hurricane Katrina: Lessons in Preparedness, Response, and Resiliency," changes over the past 10 years in the property and casualty insurance industry were all influenced by Hurricane Katrina, as well as Hurricane Ike and Superstorm Sandy. The report reviews how property insurance, claims, analytics, risk engineering, and crisis management have changed since Katrina—and explains what has been learned from Katrina and other disasters about protecting people, property, and profits.



Monday, August 17, 2015

The 10 most dangerous U.S. cities for red-light running

Whether it's because we're distracted or in a hurry, red-light running is a dangerous driving behavior that many of us are apparently guilty of, at least on occasion. A shocking 3.7 million drivers in the United States received a violation for running a red light in 2014, according to the the National Coalition for Safer Roads.

In 2013, at least 697 people were killed in accidents involving red-light running in the U.S., while an estimated 127,000 people were injured. And not surprisingly, the majority of incidents usually occur during peak summer driving periods such as Memorial Day, Independence Day and Labor Day.