The Blank Rome community stands with those affected by the devastating impact of Hurricanes Michael, Florence, Harvey, Irma, and Maria, and by wildfires and mudslides in California and Colorado. With offices in Philadelphia, Washington, D.C., New York, Los Angeles, San Francisco, Fort Lauderdale, Tampa, and Houston, we are ready to assist those in the path of storms and other severe weather events this season.
Extreme weather events—hurricanes, earthquakes, forest fires, tornadoes, and floods—cause billions of dollars of damage to businesses every year. Business interruptions, damage and/or destruction of property (buildings, inventory, and assets), and employee-related matters can quickly cripple companies that do not act quickly to stem damage, obtain available financial assistance, and successfully file insurance claims to ensure maximum insurance recoveries.
We Help You Recover and Rebuild
Blank Rome’s Severe Weather Emergency Recovery Team (“SWERT”) is an interdisciplinary group of Blank Rome attorneys and government relations professionals with decades of experience helping companies and individuals recover from severe weather events, including Hurricanes Michael, Florence, Irma, Harvey, Andrew, and Katrina, and Superstorm Sandy. Our SWERT team is co-led by Blank Rome Government Relations’ Alan Rubin, who helped reconstruct Florida after Hurricane Andrew and who was in Miami during Hurricane Irma working with the mayor of Miami-Dade County in its Emergency Operations Center, and John Heintz, a partner in our nationally-recognized insurance recovery practice, which has helped clients recover millions of dollars on their insurance policies after severe weather events. In addition, our team includes insurance recovery, labor and employment, government contracts, environmental, and energy attorneys, and additional government relations professionals with extensive experience in disaster recovery. Our multifaceted team allows us to analyze your issues from every conceivable angle to ensure a holistic, complete, and comprehensive approach to your needs and issues.
SWERT Resources for Individuals & Businesses
Our SWERT team has developed helpful and practical preparedness checklists; lists of national, state, and local web and phone emergency response contacts; articles; and other materials for both individuals and businesses affected by hurricanes, wildfires and other severe weather events, which can be found under “News and Views” and on the “Files” link on this page.
Our SWERT checklists are immediately helpful to individuals who are preparing for and recovering from hurricane damage, including dealing with FEMA and insurance claims:
- Insurance Checklist for Individuals in the Event of Hurricane Losses in Florida
- Early Recovery Checklist for FEMA and Other Related Emergency Services for Individuals and Businesses
- Insurance Recovery for Losses Related to Hurricane Florence
- Insurance Checklist for Individuals in the Event of Hurricane Losses on the Eastern Seaboard
- Insurance Checklist for Individuals in the Event of Hurricane Losses in Texas
- Steps to Follow to Protect Your Wildfire Insurance Recovery
Where to Start?
Pursuing aid and assistance is often a complex and challenging process, especially when management and employees are faced with post-disaster challenges, including literally “digging themselves out” at work and home. Even sophisticated businesses unknowingly make mistakes in seeking available aid; helping and managing employees; and assessing, documenting, and quantifying losses in order to obtain insurance recovery. There are a myriad of federal agencies and programs to wade through that can offer assistance, including the Federal Emergency Management Agency (“FEMA”), Small Business Administration (“SBA”), Internal Revenue Service, Department of Labor, Pension Benefit Guaranty Corporation (“PBGC”), National Flood Insurance Program (“NFIP”), and the Department of Housing and Urban Development (“HUD”).
Blank Rome leads you through these complex legal landscapes and cuts through the red tape so you can focus on rebuilding your business and your community.
How We Can Help
- advising companies and their employees on FEMA recovery services in obtaining debris removal, search and rescue efforts, repair/replacement of damaged facilities, and services for individuals (i.e., housing, transportation, medical, and legal assistance)
- working with FEMA and its public adjusters to help analyze claims, review aspects of costs (replacement or actual), and then help negotiate for improved outcomes and returns
- advising companies with regard to SBA funding and recovery
- advising companies on NFIP recovery plans and post-disaster recovery
- representing employers in disaster-related layoffs/office closings, employee claims, and employee allegations of adverse employment actions due to compliance with evacuation orders
- counseling companies about tax-free disaster assistance to their employees under the Internal Revenue Code
- securing insurance proceeds for property losses, related revenue losses, and extra expenses
- assessing the scope of losses and coverage and ensuring compliance with policy conditions and requirements
- identifying applicable insurance policies for each event
- negotiating with insurers who deny coverage related to purported “cause” (e.g., is the damage caused by flood damage or is it wind damage?)
- harnessing additional coverages, including Business Interruption and Extra Expense policies
- providing clients effective strategies for identifying and maximizing sources of insurance coverage
- protecting clients against unnecessary loss and obtaining coverage for expenses associated with such mitigation efforts
- working with clients to ensure that they are maximizing the value of their covered assets
- advising on how to handle immediate impacts on company employees and operations, and assisting in mitigating longer-term effects of a labor force struggling to recover, in order to avoid making an already bad situation worse
- helping clients prepare for significant weather events that may impact their workforce in the future
- working with members of Congress to make sure that Congress responds to your disaster with appropriate and adequate forms of relief, as well as useful reforms to the NFIP
We invite you to share this page and its resources with anyone who may be impacted by these storms. Our team has been interviewed by numerous media sources on the impacts of recent storms and fires, and continues to share its guidance on how to prepare for and recover from severe weather events in the coming weeks and months.