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			<h1 class="entry-title">Hurricane Harvey – More exposures in the mix than just water and&nbsp;wind!</h1>
							<div class="entry-meta">
					<span class="meta-prep meta-prep-author">Posted on</span> <a href="https://whartonigel.wordpress.com/2017/09/09/hurricane-harvey-more-exposures-in-the-mix-than-just-water-and-wind/" title="10:37 am" rel="bookmark"><span class="entry-date">September 9, 2017</span></a> <span class="by-author"><span class="sep">by</span> <span class="author vcard"><a class="url fn n" href="https://whartonigel.wordpress.com/author/whartonigel/" title="View all posts by whartonigel" rel="author">whartonigel</a></span> </span><span class="comments-link"><span class="meta-sep">|</span> <a href="https://whartonigel.wordpress.com/2017/09/09/hurricane-harvey-more-exposures-in-the-mix-than-just-water-and-wind/#respond">Leave a comment</a></span>
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			<div class="entry-content">
				<div class="entry-meta print-yes"><em>By <span class="author vcard"><a class="url fn n" title="View all posts by Anthony Wagar" href="http://blog.willis.com/author/anthonywagar/">Anthony Wagar</a></span><span class="meta-prep meta-prep-author">,</span></em></div>
<div class="entry-meta print-yes"><em>Posted on IGEL September 9, 2017.  Originally posted on <a title="8:14 pm" href="http://blog.willis.com/2017/08/hurricane-harvey-more-exposures-in-the-mix-than-just-water-and-wind/" rel="bookmark"><span class="entry-date"> August 30, 2017</span></a></em></div>
<div></div>
<div class="entry-content"><a href="http://blog.willis.com/2017/08/hurricane-harvey-more-exposures-in-the-mix-than-just-water-and-wind/"><img class="attachment-full size-full wp-post-image" src="https://i0.wp.com/blogwillis-zippykid.netdna-ssl.com/wp-content/uploads/2017/08/Hurricane-Harvey_645x400.jpg" alt="" width="645" height="400" /></a></p>
<div class="pf-content">
<p>The full damage and devastation caused by Hurricane Harvey is not yet known and will likely be felt for months to come. While the most pressing issues facing Insureds at this time are the devastating impacts of water and/or wind damage, we all learned some unfortunate lessons from Hurricane Sandy and Katrina specifically caused during storm surges and/or flooding (and after the water recedes) which lead to unexpected clean-up costs and/or pollution legal liability issues (including but not limited to):</p>
<ul>
<li><strong>Historic/Pre-Existing Contamination – </strong>Properties having historical or pre-existing contamination could be disturbed and, subsequently, carry pollutants to multiple locations resulting in the cross-contamination of various parts of the property and/or neighboring properties.</li>
<li><strong>Landfill Containment Breaches – </strong>Heavy water infiltration can cause landslides carrying with it pollutants and/or contaminated waste water into nearby waterways or sensitive third-party receptor areas.</li>
<li><strong>Floating Drums of Chemicals and Storage Tanks – </strong>Drums containing hazardous waste and storage tanks containing oils and other chemicals could be raised afloat and damaged during transport from their original locations, thereby distributing pollutants downstream.</li>
<li><strong>Sewerage Authorities System Back-ups – </strong>Sewerage authorities have limited storage and processing capacity, therefore, large unanticipated volumes of water could result in the overflow and/or release of raw untreated sewage.</li>
<li><strong>Mold Damage – </strong>Mold can grow at alarming rates given proper moisture, temperature range and food source (cellulose-based substrate) following a saturation event.</li>
</ul>
<p>While property policies may include some pollution-related coverage, it’s imperative that insureds, if they have environmental insurance policies, place their carriers on notice, carefully follow the environmental claim reporting instructions and fully understand any “emergency response” coverage provisions and policy nuances.</p>
<p>It’s prudent for insureds to report their environmental claim to their carriers immediately. If cost estimates for remedial activities are available, they should be sent to the carrier for approval. When submitting proposals, request that the carrier approve the costs as “reasonable and necessary” pending a coverage determination.</p>
</div>
</div>
<p>&nbsp;</p>
<p><em>This piece was originally posted as an op-ed for the Willis Towers Watson Wire. That article can be found <a href="http://blog.willis.com/2017/08/hurricane-harvey-more-exposures-in-the-mix-than-just-water-and-wind/">here</a>.</em></p>
<p>&nbsp;</p>
<h3><img data-attachment-id="2457" data-permalink="https://whartonigel.wordpress.com/2017/09/09/hurricane-harvey-more-exposures-in-the-mix-than-just-water-and-wind/35611dba53fbc67f528efedc5630ec43/" data-orig-file="https://whartonigel.files.wordpress.com/2017/09/35611dba53fbc67f528efedc5630ec43.jpeg?w=500" data-orig-size="200,200" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="35611dba53fbc67f528efedc5630ec43" data-image-description="" data-medium-file="https://whartonigel.files.wordpress.com/2017/09/35611dba53fbc67f528efedc5630ec43.jpeg?w=500?w=200" data-large-file="https://whartonigel.files.wordpress.com/2017/09/35611dba53fbc67f528efedc5630ec43.jpeg?w=500?w=200" class=" size-full wp-image-2457 alignleft" src="https://whartonigel.files.wordpress.com/2017/09/35611dba53fbc67f528efedc5630ec43.jpeg?w=500" alt="35611dba53fbc67f528efedc5630ec43" srcset="https://whartonigel.files.wordpress.com/2017/09/35611dba53fbc67f528efedc5630ec43.jpeg 200w, https://whartonigel.files.wordpress.com/2017/09/35611dba53fbc67f528efedc5630ec43.jpeg?w=150 150w" sizes="(max-width: 200px) 100vw, 200px"   />Anthony Wagar</h3>
<p>Anthony is a Executive Vice President and the National Sales Leader for <a title="Willis: Environmental practice" href="http://www.willis.com/Client_Solutions/Services/Environmental/" target="_blank" rel="noopener">Willis Towers Watson&#8217;s Environmental practice</a> based in New York. He has close to 20 years of experience from a regulatory, underwriting and brokerage perspective. He blogs on matters relating to environmental risk, exposures and insurance.</p>
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