CATASTROPHE SERIAL NO. 90
Dates: January 7, 2010 To January 12, 2010
STATES: Alabama, Arkansas, Florida, Georgia, Louisiana, Missouri, North Carolina, Oklahoma, Texas, and Possibly Other Areas.
PERILS: Freezing, Wind
STORM FAMILY: Winter Storm
A prolonged period of extremely cold weather gripped the entire eastern two-thirds of the nation. The cold pressed all the way down to South Texas and eastward into the Deep South and into the entire state of Florida.
In Florida, the temperatures were held to well below freezing in the northern part of the state. The freezing line extended almost to Miami. The interior counties of the state saw temperatures mostly in the middle 20s. Snow, sleet and freezing rain began mixing in during the early morning hours on Saturday in central Florida, from the Tampa area through Orlando and Daytona Beach. The sleet and snow were heavy enough to accumulate on parked cars in Melbourne. Snow flurries were spotted in Walt Disney World. The temperatures remained cold enough to cause light damage to the orange groves. Citrus growers throughout the state were taking all necessary precautions to minimize crop loss.
In Alabama, plumbers and water department employees throughout the northwest part of the state were busy repairing pipes burst from the cold and expect the repairs to continue for several days. Plumbers have expressed their opinions that this has been the most extensive cold weather damage event they’ve seen. The National Weather Service is calling the cold snap the coldest 10 days of a new year on record in North Alabama.
In Arkansas, the “deep freeze” caused the closing of some schools due to freezing pipes. Hundreds of Arklatex families were without water due to broken main water lines. Older water lines leading into homes were exposed to cold – resulting in freezing and bursting in many cases. Little Rock, AR was among many cities where temperatures fell 20 degrees below their average for this time of year.
In Texas, the recent cold snap dropped temperature into the teens in many parts of the state. It is believed that approximately 10,000 homes suffered water damage to some extent as a result of frozen water pipes.
The states of Georgia, Louisiana, Missouri, North Carolina, South Carolina and Oklahoma were also caught up in this event and while preliminary damage reports are sparse, there are indications that the claim volumes will increase once thawing has taken place.
It must be noted that, in many cases, water damage claims are reported after manifestation of water leakage from broken water lines following the thaw. Reported dates of loss, in many cases, may follow the thaw by a few days and not truly represent the date on which the loss actually took place. Carriers can us a catastrophe serial number between 1 and 10 to capture losses reported outside the date range determined by PCS in the definition of this catastrophe.
In addition to water damage resulting from frozen pipes, reported losses also include insured property damage caused by falling trees and limbs, ice back-up on roofs, downed gutters, power outages and sprinkler leakage.
ADJUSTER LICENSING LAWS: AL, AR, FL, GA, LA, NC, OK, SC, TX
VALUED POLICY LAWS: AR, FL, GA, LA, MO, SC, TX
UNFAIR CLAIMS PRACTICES: AL, AR, FL, GA, LA, MO, NC, OK, SC, TX
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