By the Division of Insurance


The Division of Insurance has updated its disaster preparedness and response procedures in order to help expedite the claims process for policyholders following a natural or man-made disaster.

The following resources address pre- and post-disaster communication, emergency access procedures for insurance company property adjusters, and detailed insurance loss data collection.

Pre-Disaster Protocols

Massachusetts Catastrophe Preparation Survey – Division of Insurance Bulletin 2016-10 requires all property insurers to complete this survey annually to facilitate communications and access to areas following a disaster.  Click here xlsx format of pre-disaster-survey-template.xlsx
to obtain the survey and instructions for its completion.

Corporate Emergency Access System (CEAS) – The CEAS is a non-profit, public-private partnership in emergency credentialing of employees.  It is an access control system that pre-authenticates critical private sector employees before an event occurs for access to restricted areas and roadways following a disaster or serious emergency.  To learn more about CEAS in Massachusetts, click here.

Post-Disaster Protocols

Emergency Authorization of Additional Claims Personnel – Division of Insurance Bulletin 2016-11 outlines the conditions which may cause the Division to issue special procedures for the emergency use of additional property insurance claims adjusters following a disaster.  If the Division sees a need to issue special procedures relative to a specific disaster, those procedures can be found by clicking on the event name below.

Detailed Insurance Loss Data Collection – Division of Insurance Bulletin 2016-12 outlines the conditions which may cause the Division to collect additional insured loss information following a disaster.  If the Division elects to pursue additional insurance data collection, the instructions for compiling and submitting such information can be found by clicking on the event name below.

Active Disaster Recovery Events

Winter Storm 2/15/16