Author Archives: Caroline McDonald

About Caroline McDonald

Caroline McDonald is a writer and former senior editor of the Risk Management Monitor and Risk Management magazine.
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Calif. Mudslides Leave 15 Dead

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Heavy rains in southern California have caused mudslides in some areas, killing at least 15 people and trapping hundreds. The deluge of mud now covering homes, businesses and freeways are the result of heavy rains washing away ground laid bare by the Thomas Fire—the state’s largest wildfire to-date—which burned more than 280,000 acres in December.
Many of those who had returned home after the wildfires have been evacuated for mudslides. The New York Times wrote:

As the mud rushed into lower-lying neighborhoods in Montecito, a wealthy hillside community where many celebrities have homes, the power went out and gas lines were severed, said Thomas Tighe, a resident. Officials said Tuesday night that it could be several days before gas service would be restored. They also said power failures were affecting more than 6,000 homes and businesses in the area, adding that many parts of Montecito were without drinkable water.

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Driving rain started at about 3:00 a.m. on Jan. 9. By Tuesday, more than 5.5 inches of rain had fallen in parts of Ventura County, the National Weather Service said.  A mandatory evacuation order for about 7,000 residents was issued by Santa Barbara County officials, but many would not leave.

As a result, people were trapped in homes and cars and on rooftops by fast-moving rivers of thick mud carrying trees and debris.

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CNN reported that dozens of people have been rescued in Santa Barbara County, including a 14-year-old girl trapped beneath a house, and that parts of US 101 in Santa Barbara and Montecito have been closed.

Mudslides are not uncommon in the area, especially following wildfires, and they can be deadly. In January 2005, a landslide struck La Conchita in Ventura County, killing 10 people.

P&C Composite Rate Up 2% in Fourth Quarter

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Rate adjustments for property and casualty insurance in the United States for fourth quarter 2017 were plus 2% compared to plus 1% in the third quarter of 2017, with automobile and transportation seeing the largest increases, MarketScout reported.

Richard Kerr, MarketScout CEO commented that insurers were prepared for their losses. “Underwriters are rarely surprised by aggregate losses because they have so many pricing and modeling tools. Most insurers are assessing rate increases at a moderate pace. Automobile and transportation accounts incurred the largest rate increases at plus 5% over prior year pricing.”

In the reinsurance sector, William Hawkins, director of European insurance research at KBW made a similar observation of P&C Jan. 1, 2018 renewal pricing, stating in a podcast that, “the big four European reinsurers will have achieved 2% rate increases this [renewal] season.” He added that “the message from Monte Carlo, that the 2H 2017 natural catastrophes should draw a line under rate cuts across the board, has been delivered. But we think the upside for property catastrophe has been capped by the ongoing plentiful supply of capital.”

By coverage classification, MarketScount noted that all coverages except D&O, professional liability and auto had rate increases from the third quarter of 2017 to fourth quarter 2017. Property increased the most, from plus 1% to plus 3%.
On average, underwriters assessed rate increases for all industry groups except transportation and public entities. “Keep in mind, rates are calculated on a composite basis and represent exposures from businesses across the U.S. Insureds in catastrophe exposed areas incurred higher rates/premiums,” Kerr said.
MarketScout also noted that large accounts were seeing increases averaging 1%, while others saw 2% increases.

Safe Driving in the Winter ‘Weather Bomb’

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The much publicized Weather Bomb, AKA Bomb Cyclone is here in full force. As the storm travels north, much of the northeast is experiencing blinding snowstorms and fierce winds, and states of emergency have been declared in five states. Schools and airports are closed and warnings are in effect for workers to stay home and keep off the roads.

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Some people must get out and drive, however, and so whether making deliveries, heading to or from work, or running necessary errands, drivers and asked to use heightened caution.

AAA recommends a number of precautions, including this basic tip: Accelerate and decelerate slowly. Applying the gas slowly when accelerating is the best method for regaining traction and avoiding skids, AAA said, cautioning that it takes time to slow down for a stoplight as it takes longer to slow down on icy roads.

From Rear View Safety:
QBE notes that because any hazards are magnified with winter driving conditions, all distractions should be avoided. Check out these tips for safe driving and emergency measures.

QBE’s tips for safe winter driving:

  • Avoid driving while fatigued. It’s important to get the proper amount of rest before taking on winter weather driving to reduce risks.
  • Never run a vehicle in an enclosed area, such as a garage, even if it’s just until it “warms up.”
  • Make certain your tires are in good condition and properly inflated.
  • Keep your gas tank at least half full at all times and full if severe winter weather is possible.
  • If possible, avoid using the car’s parking brake in cold, rainy or snowy weather.
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  • Do not use your cruise control when driving on any slippery surface (wet, ice, sand).
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  • Always look and steer in the direction you want to go to ensure safe travels and avoid possible hazards.
  • Use your seat belt every time you get into your vehicle.
  • Watch weather reports prior to a long-distance drive or before driving in isolated areas. Delay any trip when bad weather is expected. If you must travel, let others know your route, destination and estimated time of arrival.
  • Have regular vehicle inspections conducted to ensure you vehicle is in peak operating condition.

If you are snowbound:

  • Make sure you have appropriate phone numbers in your cell phone in case emergency phone calls are needed.
  • Stay with your vehicle. The car will provide temporary shelter and make it easier for rescuers to locate you.
  • Tie a brightly colored cloth to the antenna or place a cloth at the top of a rolled up window to signal distress.
  • At night, keep the dome light on if possible. It only uses a small amount of electricity and will make it easier for rescuers to find you.
  • Run the engine and heater just long enough to remove the chill to conserve gasoline.
  • Don’t try to walk in a severe snow storm. It is easy to lose sight of your vehicle and become lost in blowing snow.
  • Don’t over exert yourself if you try to push or dig your vehicle out of the snow.
  • Make sure the exhaust pipe isn’t clogged with snow, ice or mud. A blocked exhaust could cause deadly carbon monoxide gas to leak into the passenger compartment with the engine running.