Page 40 - Insurance Times June 2021

the Insurance Company to arrange the Loss Adjusters of cyclones difficult to give early warning to the
and support the worst affected clients financially in a communities.
calamity.This would go a long way in getting loyal&
satisfied customersand marketing in future with mouth The need of the hour is a web application like TROPCYC which
publicity at no costs. gives at the click of the mouse Risk Assessment to help do
Y Early sending of the Loss Adjusters to the clients would business of insurance professionally to protect their clients as
also help in reducing exaggerated/ fraud claims. well as keep their business on sound principals and profitable.

c) Loss Prevention Tropical Cyclone Risk Assessment Report
Loss prevention is an important aspect of service to the
Insured. It is duty of Insurers to pass on the lessons learnt in Client and Location Details
the past cyclones to their clients to reduce losses and keep Name (Individual/Company) Unity Geospatial
the risks at acceptable levels -a service to the whole Indian Head Office Address Pune
Society. Insurers can advise on following areas: Contact Number +91-9623558539
Y To strengthen the structures and in particular roofing
systems which are suffer heavy damages by high velocity E-mail contact.tropcyc@
winds of the Tropical Cyclones/Hurricane. To avoid top unitygeospatial.com
heavy or asymmetrical structures. Value of Property 40,00,000
Y To open up & clean the natural drainage channels on Facility Description Industry area
the ground to allow flow of water smoothly to avoid Property Type Industrial
flash floods. Operational Status Occupied

Y Storm Surge - To relocate to safer location. Property Address West Bengal
Y To prepare a disaster management plan for actions to Establishment Date 2018-01-16
be taken when the cyclone warnings are issued by the Location(Latitude) 21.87
authorities and one after the cyclone to return to
normalcy within the shortest time. Plan must take into Location(Longitude) 88.18
account the total disruption of all services viz. no food,
water, communications, rail/road/air traffic, banking, Potential damages by a cyclone
repair facilities etc. Wind & Flood Damage Exposure
The Client location falls under the Red Zone of
Global Warming and Climate Change are real issues facing
the world. According to IMD there is 32% rise in Tropical the Wind hazard
Cyclones hitting India. Arabian Sea is becoming fast hotbed The above location falls under the Red Zone which is the
for the Tropical Cyclones and can have a tremendous impact central core of the Tropical Cyclone and includes Eye Wall
the west coast of India. There is also a rapid intensification region of the Cyclone where highest wind speeds and rain
fall occurs. The most probable Cyclone in this region is Very
Severe Cyclonic Storm (VSCS of IMD Scale) with wind speeds
between 119 Kms./hour to 166 Kms./hour (Category 1 of
Saffir-Simpson Scale). Though Extremely Severe Cyclonic
Storm (ESCS - Wind Speeds 167 Kms./hour to 221 Kms./hour)
and Super Cyclonic Storms (SuCS - Wind Speeds 222 Kms./
hour & above) are rare in the north of Indian Ocean, 8 ESCS
& 3 SuCS have hit the east coast of India in the past 72 years
viz. from the year 1948 to year 2020. The high rainfall in a
short duration results in large quantity of water flowing at
high speeds on the ground causing flash floods & heavy
damages to property and life. The rainfall may be on an
average 30 to 40 Cms. in 24 hours and can be as high as 80
Cms. in extreme cyclone events.

40 The Insurance Times, June 2021