SECTION IV - INSURANCE EMERGENCY OPERATION CENTER (IEOC)
Prepare an Insurance Emergency Operation Center (IEOC) and back-up facility to temporarily house a Disaster Coalition Response Team, consisting of AL DOI staff and Insurance Industry Liaisons, for activation in the case of a catastrophic disaster.
PURPOSE OF THE IEOC
The Center will operate in a designated location within the AL DOI’s office and house a cross-functional insurance team convened by the Commissioner (and pre-determined by the Alabama State Disaster Coalition Plan) immediately following a catastrophic disaster to enable communications and overall operations of the industry.
Every effort should be made to have the IEOC operated by local personnel; however, in the event staff is required from outside the Montgomery area, the participating carrier will pay travel expenses of their personnel.
AL DOI will minimize the period of time the IEOC is in operation based on need and availability of staffing.
The companies that provide personnel to participate at the IEOC will pay housing, meal and travel expenses of their representatives.
The IEOC will not adjust nor make commitments to policyholders for payment of repairs or expenses of claims but will refer all questions to the respective insurance carriers or divisions within the Insurance Department.
The IEOC Disaster Response Team will:
Provide damage evaluation reports in the days immediately following the disaster to the AL DOI based on insurance company analysis and input from other authorities and disaster assessment review teams.
The contact list developed by AL DOI of industry liaison personnel will be polled to determine this information.
Maintain a list with telephone numbers for insurance field adjusting offices for AL DOI use and referrals by AL DOI to the Center.
Develop reports and actions for insurance companies that will aid in the establishment of emergency operations enhancing their ability to expedite the claims process.