NewsNew business opening – Spain (1/8/2019) - My director colleagues and I are delighted to announce the launch of our latest new business – in Spain. FitzGerald Consulting España S L has begun trading at the beginning of January 2019. Based in Madrid, FC España will offer a full range of loss adjusting and Claims consulting services. The business is managed by founder director, Javier Espeja, who will act as CEO. He is supported by another local co-founder and director, Angel Carretero. They have a strong network of adjusters throughout Spain. Javier was previously a senior Claims Manager at a major international insurer’s office in Madrid where,read moreConferences in the US (10/8/2018) - Also in September, we attended two conferences in the US – the Insurance QA Conference in Boston and the 5th Annual New York City Reinsurance Conference. Both of these featured very senior speakers from the global insurance Market and covered a range of topics highly relevant to our business. It was especially interesting to hear about leading-edge developments in data management; AI; and InsureTech. And, of course, it was helpful to meet and discuss these developments and how they impact the Claims business with senior players in the Market.Presentation at the iNED workshop (10/8/2018) - At the end of September, Bev FitzGerald gave a presentation to over 90 attendees at a prestigious iNED workshop held by the Worshipful Company of Insurers in London. iNED is aimed at Non-Executive Directors and other senior personnel involved in the insurance industry. The workshop focused on managing Catastrophe incidents from a Board perspective. Bev’s presentation highlighted lessons learned from our company’s experience gained in supporting insurers on numerous CAT incidents and, especially, the sequence of earthquakes in New Zealand. Additionally, he stressed in the great value of pre-incident scenario planning, where we have provided insurers with advice which canread morePaulo Correa our new FCLA MD (8/3/2017) - We have exciting developments in our Chilean-based business, FitzGerald Consulting Latin America Ltd. First of all, our present MD, Juan Ignacio Alvarez, who successfully launched our business there several years ago, is moving on to become CEO of what used to be QBE, Chile. He and others have recently purchased this business which in future will trade as Unnio. We wish Juan Ignacio and his colleagues there every success. He is a dear friend and business associate and we anticipate this personal and business relationship not just continuing, but growing over the coming years. Juan Ignacio’s role as MD ofread moreWe welcome three new associates (7/17/2017) - As part of our continuing expansion to provide our new and existing clients with additional services, both in terms of disciplines and territories, we are delighted to welcome three new associates – Nigel Greenhalgh is a highly experienced loss adjuster with particular expertise in the construction and building-related industries. He is a chartered quantity surveyor and also has several chartered building qualifications. Nigel was part of our team in New Zealand, working on the sequence of earthquakes there in 2010/2011. Alan Jervis has 39 years’ experience of working in the insurance industry, often at very senior levels, both as an Underwriter andread moreGrenfell Tower fire (7/17/2017) - UK – Grenfell Tower fire – appointed by major insurer, a new client, to handle potential liability claims arising from this tragic incident. Upper Grenfell Tower By ChiralJon (https://flickr.com/photos/69057297@N04/35353492476) via Wikimedia CommonsInternational Risk Management Conference (5/12/2017) - Our MD, Bev FitzGerald, recently attended and spoke as a keynote speaker at a conference in Kazakhstan. The XIIIth International Risk Management Conference in that country was held in Almaty. It attracted over 200 attendees from 40 different countries and included high-level speakers from the Kazakhstan Stock Exchange and other State authorities. In addition to giving his own presentation, Bev joined a very interesting panel debate on geo-political issues in Central Asia and was also interviewed by the local national television station. Read the FCL SummaryFCL’s Audit & Review Business (3/16/2017) - FCL’s Audit & Review Business – The recent developments on the Ogden rates in the UK, which will necessitate insurers reviewing and increasing their reserves, combined with several new associates joining the company, gave a good opportunity to summarise and promote this important side of our business. Graeme Shurben led this process – please see new ‘flyer’ which has been sent to all our clients and other connections in the Market. Read the Audit FlyerCAT planning (3/16/2017) - Bev FitzGerald has just returned from Canada where he devised and facilitated a CAT scenario for an insurer client there. This involved severe damage to Vancouver City following a major earthquake off the coast of British Columbia. The scenario test was attended by the client’s senior management and proved an excellent opportunity to take key learnings from a hypothetical rather than an actual event. Experts predict such an event is a very high risk that could not only seriously impact the insurance market in Canada, but also its entire economy.European Audit (3/16/2017) - The company has just been appointed by a major UK insurer to carry out an audit throughout several European countries. This is where the international network that we have built up over the years comes into its own. Local auditors in the territories, including colleagues from our global network partner, Context International, will be supporting our own UK-based people to provide our client with a strong mix of skills.Joint working agreement with Mandiri Adjusting (2/1/2017) - Announcement Indonesia FitzGerald Consulting and Mandiri Adjusting are delighted to announce that they have agreed a joint working arrangement which comes into effect on 1 February 2017. Mandiri Adjusting is a new, first-rate adjusting business based in Indonesia. Operating with experienced and expert loss adjusters, Mandiri handle Property, Business Interruption, all Liabilities and Marine classes of insurance claims. Over the past few years, FitzGerald Consulting has significantly expanded its business in the Asia Pacific Region, especially through its dedicated company, FitzGerald Consulting Asia Pacific. Indonesia has a fast-growing economy, particularly with strong infrastructure investment offering the insurance Market opportunities inread more6th Annual Claims Management Conference (1/30/2017) - Bev FitzGerald was invited to speak at the 6th Annual Claims Management Conference in Amsterdam which took place on 26/27 January this year. This event was attended by over 100 representatives from the European insurance Market, covering 32 countries and a wide range of business functions. Bev presented a talk entitled – ‘Your CAT doesn’t need to be a Disaster’ – which was very well received.Conclusion of New Zealand project – Christchurch earthquake claims (1/30/2017) - At the end of last year, we concluded over 5 years’ involvement in New Zealand, supporting local and international insurers/reinsurers on the 2010/2011 earthquakes which destroyed much of Christchurch and the surrounding areas. Bev FitzGerald visited the Asia Pacific Region, in particular New Zealand itself and Australia, to thank all our various clients for their business and much-appreciated support on this project, probably the largest we have ever undertaken. At the same time, this was an opportunity to thank our team for their tremendous work ‘on the ground’ in NZ. There are many lessons to be learned from our ownread moreFCL – Echo Alfa Joint Working Agreement (11/29/2016) - The specialist insurance claims consulting company, FitzGerald Consulting Ltd (FCL), and Echo Alfa Ltd (EAL), leading operators of drone services, are delighted to announce their joint working agreement for the insurance industry. Initially, the main focus of the joint working will be on catastrophe (CAT) and individual major loss events. We shall also, however, be looking to support insurers, reinsurers, corporate clients and others in the insurance industry with pre-risk, Underwriting and risk management services. The arrangement will cover the UK and international locations. FCL’s Managing Director, Bev FitzGerald commented – ‘My director colleagues and I are very excited toread moreContext International – Global Adjusting network (10/24/2016) - Context International – Global Adjusting network Towards the end of September, our company joined several associates from the Context International global adjusting network in Europe to host a presentation for a party of insurers, reinsurers and brokers from the London insurance Market. The event took place at the beautiful Watermans’ Hall in the City. The co-founder of Context International, Gerard Bottcher, joined our MD, Bev FitzGerald to talk about the CI network and we were also delighted to have a partner from Clyde & Co give an excellent presentation on the different legal approaches between the UK and Continental Europeanread moreEcuador – Earthquake CAT – 2016 (10/24/2016) - Following the initial visit made in June by Bev FitzGerald and an engineering adjuster from our new associate in Mexico, Kimsi & Associates, we are pleased to say that our London-based reinsurer client accepted our recommendations for certain follow-up work. This has now been completed after a further visit to Ecuador by Kimsi & Associates.Visit to Asia Pacific (10/20/2016) - During the first two weeks of December this year, our MD, Bev FitzGerald, and director colleague, Graeme Shurben, will be visiting the Asia Pacific Region. The main focus of the trip is on New Zealand where we continue to have a team of adjusters based in that country settling claims outstanding following the series of earthquakes that hit Christchurch and the surrounding areas starting in September 2010. Bev and Graeme will also be calling in to Sydney and Singapore to meet clients and other connections in the Market as part of the development of our new company, FitzGerald Consulting Asiaread moreEcuador earthquake appointment (6/13/2016) - FCL appointed to support major worldwide reinsurer – another new client – in reviewing its portfolio of exposures in Ecuador following the 7.8 earthquake in that country on 16 April this year. Our managing director, Bev FitzGerald, will be travelling to Ecuador accompanied by an engineering-based adjuster from our new joint venture partners in Mexico/Lat-Am, Kimsi & Associates.Announcement – Sarah Civil (5/3/2016) - We are delighted to announce that, following her recent departure from Crawford & Co, Sarah Civil will be working with our company. Sarah has for many years headed up Crawford’s Global Technical Services (GTS) – its worldwide high-end adjusting business – in the UK. Under her leadership it was extremely successful and involved her being responsible for adjusting teams in Property Major Loss, Marine and Transportation, Power, Energy, Construction, Engineering, International Casualty and Aviation, handling losses in the UK as well as on an International basis. She also managed their response to various international catastrophe events and sat on theirread moreFCL welcomes new Associates from Mexico (3/30/2016) - Recently, we were delighted to welcome our new associate in Mexico, Eduardo Kimsi of Kimsi & Associates to London for a week. We spent the time meeting numerous insurers, reinsurers, brokers and other key participants in the Mexico and wider Latin American insurance Market based in the City. Our new joint venture was warmly received and it seemed to us that the combination of Kimsi’s local adjusting experience and expertise plus FCL’s international reputation was absolutely in tune with the adjusting service that the Market is seeking. Our Managing Director, Bev FitzGerald, will be reciprocating Eduardo’s visit by making theread moreBev FitzGerald speaks at Claims conference in Singapore (3/14/2016) - At the beginning of March, our Managing Director, Bev FitzGerald, was pleased to attend and speak at a major Japanese insurer’s Claims conference in Singapore. This was attended by 30 of their Claims Managers/Directors from around the world. Bev focused on ‘Lessons Learned’ from our company’s handling of recent CAT events in Chile and New Zealand, comparing the two and looking at the risks which the NZ CAT presented for insurers on any future CAT. Over the past few months, this issue has been of increasing concern for the insurance Market, especially given that the NZ CAT is still continuing,read moreFCL signs new contract with major Japanese insurer (3/14/2016) - We are delighted to have signed a new contract with MSIG (Mitsui) for the provision of CAT management and loss adjusting services. This follows on from work FCL carried out with the insurer on outstanding major loss cases from the Thai flood CAT.FCL join the Context International global adjusting network (2/1/2016) - In May 2015, FitzGerald Consulting was invited to join the relatively new Context International global adjusting network. Progress on this new relationship internally and externally in the Market has been very good. During the past three months, 20 new adjusting cases have been passed between the associate members of the network. In the UK, this involved our company in passing CI, Germany a new and complex £250k products liability claim for a completely new client attracted by the technical skills and wide coverage of our network.Chile – a major agri-business products liability claim (2/1/2016) - Chile – At the beginning of this new year, our business in this country was appointed to deal with a major agri-business products liability claim following the wide-scale contamination of farming land. This is a sensitive, multi-million $ loss which the Managing Director of our Latin American business based in Chile, Juan Ignacio Alvarez, is handling personally.A warm welcome to Peter Butler (2/1/2016) - We are delighted to welcome Peter Butler as a new associate. Peter is now working in Atlanta, US after a long and highly successful career at Lloyd’s in London. In that Market he worked principally as an active Underwriter, but also has considerable Claims experience. Peter can provide his expert services on the full range of Property and Casualty business areas in the US.FCL announces further international expansion with a joint working agreement in Mexico (1/19/2016) - We are delighted to announce that, continuing our expansion internationally, FitzGerald Consulting have now agreed a joint working agreement with Kimsi & Associates, a new, independent, international loss adjusting firm based in Mexico. Kimsi & Associates was created in 2015 by a group of senior adjusters that have been trading in the local and international insurance and reinsurance markets for more than 25 years. The team is well experienced in the handling of major complex claims for private corporations and government entities and will offer their services in Mexico as well as Central America and the Caribbean. Kimsi & Associatesread moreFCL leads New Zealand’s largest ever claim settlement (1/19/2016) - At the very end of last year, FitzGerald Consulting were pleased to support insurers/reinsurers in achieving a global settlement of the largest outstanding claim in New Zealand, following the sequence of earthquakes there starting in September 2010. Following settlement discussions in San Francisco during December, attended by our MD, Bev FitzGerald, and Roger Woodhead, Christchurch City Council’s claim was concluded at $635 million NZ – the largest-ever insurance settlement in New Zealand. Actual payment to CCC is scheduled for 24 February this year. This was an extremely difficult and complex claim where FCL acted for all the various insurance/reinsurance companyread moreAn unusual claim (1/19/2016) - Our FCL people cover a very wide range of specialisms in the insurance Claims industry. However, a case we are currently handling represents a ‘first’ for us – under a critical illness policy where a claim has been triggered by the sad onset of Alzheimer’s disease. For anyone who saw the film ‘Still Alice’ with Julianne Moore’s Oscar-winning performance, they will appreciate that this is not a straightforward matter. Like many our company deals with, it is complex and has the emotional side that major and difficult claims often involve. Our Senior Consultant, Clive Munnings, is handling the case, bringingread moreFCL Director Gerald Williams qualifies as a CEDR Accredited Mediator (12/22/2015) - On Wednesday 25th November, FitzGerald Consulting director and Business Interruption specialist, Gerald Williams, was delighted to be awarded a prestigious qualification in mediation skills, having successfully completed a course run by CEDR, the Centre for Effective Dispute Resolution. CEDR Mediation Skills Training is internationally recognised as the gold standard of excellence in mediation. Founded in 1990 as an independent, non-profit organisation, CEDR now operates globally across a multitude of business, industry and government sectors, and offers a wide variety of courses in various areas of dispute resolution. Gerald attended their London-based course over a period five days at the beginningread moreFCL announces new subsidiary FitzGerald Consulting Asia Pacific Ltd (11/17/2015) - We are very pleased to announce our new subsidiary company based in New Zealand and serving the Asia Pacific Region – FitzGerald Consulting Asia Pacific Ltd. This follows on from our work in that Region over the past five years in countries such as Australia, Thailand and New Zealand. Indeed, we continue to have a large team of senior and highly qualified adjusters and Claims directors permanently based in New Zealand supporting clients on outstanding portfolios of claims arising from the series of earthquakes in that country. This specific project will run on into 2016. Our directors – in particularread moreLitigation Management Services (11/12/2015) - Why do you need a Litigation Manager? 1. Most companies expect their litigation to be managed by either their in house lawyers or senior managers associated with the case. In many “routine” cases this will be adequate although even here it is possible that the case will be project managed in an inappropriate manner. 2. However where the case has a special significance to the company for any number of reasons, value, complexity, jurisdictional issues etc. it is unlikely that companies who are not regularly engaged in the litigation process will have within their organisation a person with the requiredread moreAppointment for Business Interruption loss (10/23/2015) - FitzGerald Consulting have been appointed by a global firm of London based lawyers to advise their Client, a major British insurance company, in connection with a multi million pound Business Interruption loss arising out of damage at a waste processing/energy producing plant in the North West of England.Welcome – Steve Davies (10/21/2015) - We are very pleased to welcome a new associate with wide-ranging experience in the construction industry. Steve Davies, who was previously one of the founding directors of strategic outsourcing company MITIE Group, has more than 30 years of experience in the construction industry. Much of the insurance claims work which we handle involves the reinstatement and repair of buildings. Steve’s hands-on, insider knowledge and expertise strongly supplement other disciplines that we employ on such claims, such as quantity surveying – adding an innovative value to our work in this field. Steve’s career in the industry started with a four-year apprenticeshipread moreFitzGerald Consulting a Chile – Noticias (10/8/2015) - Hace una semana, director ejecutivo de FitzGerald Consulting, Bev FitzGerald, volvió de una semana en Chile, donde estaba evaluando el daño causado por el terremeto del 16 de Septiembre. Aunque había daño significante, no fue casi tan malo o amplio como se había pensado inicialmente – definitivamente no fue en la misma escala como el terremeto de 2010, un proyecto a largo plazo para FitzGerald Consulting. Noticias recientes sugieren que el país está recuperando bién tras el desastre, y se ha registrado solo 13 muertes oficialmente, menos que se habíá temido. Mientras en Chile, Bev tenía la oportunidad de encontrarseread moreFitzGerald Consulting to Chile – Update (10/8/2015) - Last week, FitzGerald Consulting Managing Director Bev FitzGerald returned from a week in Chile, where he had been assessing the damage caused by the earthquake which hit the country on Wednesday 16th September. Although there was significant damage caused by the earthquake, it was nowhere near as wide-ranging as initially feared, and certainly not on the scale of that which struck Chile in 2010, a long-term project for FitzGerald Consulting. Recent reports suggest the country has made a very promising recovery following the disaster and there have been only 13 deaths recorded, a remarkably low figure considering the strength ofread moreGerald Williams: 40 Years in Loss Adjusting (10/5/2015) - On Tuesday 29th September, Gerald Williams, a Director of FitzGerald Consulting, celebrated forty years as an insurance loss adjuster. Having previously qualified as a Chartered Accountant, it was on that date in 1975 that Gerald took his first job as a Business Interruption specialist at Howell and Brooks, marking the beginning of a long and successful career in the profession – and one which shows no sign of slowing down yet! Gerald stayed for five and a half years at Howell and Brooks, whom he credits with giving him an excellent training in all aspects of the business, before leavingread moreFitzGerald Consulting launches new website (9/26/2015) - This week, FitzGerald Consulting launched its new website. The new site keeps all of the same features as the old one but offers vastly improved functionality as well as a new and improved look. The launch of the new site coincides with FCL’s brand new Twitter, Facebook, LinkedIn and YouTube profiles, where you can keep up to date with all of the company’s latest news and assignments, as well as the goings-on in the wider insurance world. The links for the social media accounts can all be found at the bottom of the new website, as well as on theread moreFitzGerald Consulting to Chile (9/26/2015) - On Wednesday 16th September, another devastating earthquake struck Chile, with Santiago, Valparaíso, and several coastal towns badly affected. The 8.3 magnitude earthquake, which occurred 228km from Santiago, just offshore in the Pacific, is the latest of many to hit Chile in recent years, and has so far claimed the lives of at least 11 people, with more deaths expected to be confirmed. The initial tremor was the most damaging, but there have also been several subsequent aftershocks, the most serious of which was at magnitude 7. As well as the deaths caused by the earthquake, one million people have beenread moreWelcome (9/20/2015) - We are very pleased to welcome another new associate with Marine Claims experience. Willum Richards, a qualified Average adjuster, is based in New Zealand. He has built an excellent reputation in the Marine Claims business where he has had various senior roles, including with RSA. He is fully available to work in NZ, Australia and the wider Asia Pacific Region on all aspects of Marine business. Bev FitzGerald, FCL’s MD, comments – ‘Willum continues our growth and the extended services we can offer our clients, both in a geographical sense in the Asia Pacific Region, and also in the Marineread moreFitzGerald Consulting appointed to $ multi-million bullion claim (8/21/2015) - FitzGerald Consulting was recently appointed to adjust a multi-million dollar insurance claim relating to a major bullion robbery in Hatton Garden in April of this year. The sensational heist took place over the Easter Weekend and is one of the biggest of its kind in British history. The robbers emptied as many as 73 safe deposit boxes in the underground Hatton Garden Safe Deposit Company, located in London’s ‘Diamond District’, and escaped with many million pounds worth of precious jewellery, bullion and other valuables. Nine men have been charged with the robbery and are awaiting trial. The robbery was aread moreBaden Smith in Charity Shave-Off (8/6/2015) - Earlier this year, FitzGerald Consulting’s Baden Smith sacrificed his hair for a great cause when he participated in Shave for a Cure. Shave for a Cure is one of New Zealand’s biggest and most popular charity events, raising huge amounts of money every year for Leukaemia and Blood Cancer New Zealand (LBC). Shave for a Cure has been going for ten years now, growing in popularity every year, as thousands of New Zealanders queue up to cut off their locks in order to raise money for the charity. This year alone, an astounding $1,209,820 (NZD) has been raised by thoseread moreRonald McDonald House Charity Meal (7/21/2015) - At the end of July, two of FitzGerald Consulting’s Senior Consultants, Roger Woodhead and Paul McNamara, gave up their time to cook a meal for the children and families at New Zealand’s Ronald McDonald House. Insurance Australia Group (IAG), one of FitzGerald Consulting’s major clients, is a keen supporter of the charity, and Paul and Roger joined the company’s staff in volunteering their cooking skills for the day. Ronald McDonald House Charities (RMHC) provides accommodation and support to the families of children undergoing long-term medical care, enabling the family to stay together and maintain a normal life under difficult circumstances.read moreNew Assignment (7/20/2015) - UK – Multi-million $ bullion loss following Hatton Garden safety box robbery in April this year. NEW ZEALAND – Appointment by local NZ insurer and their global reinsurers to lead adjustment of very substantial portfolio of local authority properties damaged as a result of the sequence of earthquakes in Christchurch starting in September 2010.FitzGerald Consulting Presentation (7/4/2015) - At the beginning of March, our managing director, Bev FitzGerald, and senior consultant, Baden Smith, gave a presentation at the Alarm Fire Group and FRIC Consortium Conference in Redditch. This focused on our experiences and ‘lessons learned’ in handling major incidents, such as terrorist attacks, as well as our expertise on multi-million £ bodily injury claims where we have provided Fire Services with specific case advice. Please CLICK to view the presentation. (1.1Mb PDF) Our directors, Bev FitzGerald and Gerald Williams, gave a presentation to the London Market on CAT management – Property Damage & Business Interruption. This was veryread moreNew Assignment (3/4/2015) - MIDDLE EAST – Appointment by the operators of a chemical plant based in the Middle East to provide expert Business Interruption advice on a claim they are making against their insurers for losses sustained following equipment failure. UK – Appointment by a new client, a major US-based insurer, to review and audit a multi-million £ PD/BI fire claim where the reserve has increased significantly and make recommendations on future best practise.‘Wet’ perils – Leakage – How Insurers can increase profit and client satisfaction (2/4/2015) - These perils – flood, storm and escape of water – represent a major part of any insurer’s indemnity spend, particularly on Personal lines – and especially of course during a CAT situation. Claims are normally dealt with by a mixture of internal Claims handlers, damage restoration suppliers and external loss adjusters. For some while, we have considered that this area of claims resulted in significant leakage, not least because of this tri-partite working relationship. Arising out of this, we recently carried out a detailed audit & review for a UK insurer which revealed that there was indeed significant leakage. Thisread moreNew assignment (12/4/2014) - NEW ZEALAND – major audit/review for leading Asia-Pacific insurer relating to its outstanding portfolio of earthquake losses NEW ZEALAND – adjusting advice for UK-based insurer’s NZ subsidiary on multi-million BI loss following earthquakesNew assignment (10/4/2014) - UK – New client – Review/audit for major international insurer of aggregate deductible management and financials for global client UK – Audit/review of damage restoration panel for specialist UK insurer UK – Re-inspection audit of loss adjusting panel for US-based insurerNew assignment (9/4/2014) - North Africa – assisting major supplier of soft drink beverages with the preparation and presentation of PD and BI claims following serious fire damage to multiple warehouses.New assignment (8/4/2014) - Ireland – comparative performance audit of panel adjusters for US-based global insurer Ireland – comparative performance audit of panel adjusters for US-based global insurer UK – comparative performance audit of panel adjusters for US-based global insurerFitzGerald Consulting Summer Party (6/4/2014) - See our photos of the FitzGerald Consulting Summer Party held earlier in the year at Skinners’ Hall in the City of London.New assignment (5/4/2014) - UK – Coverholder audit for Lloyd’s Syndicate UK – Review of Major Loss handling for leading insurerCAT Update (1/4/2014) - Our directors Bev FitzGerald and Gerald Williams will be speaking at a seminar organised by the leading insurance lawyers, Ince & Co, on their experiences in handling wide-scale portfolios and individual major PD/BI losses arising from the recent New Zealand earthquake and Canada flood CATs. This will take place at Ince’s London offices at 9 00am on Thursday 13 March.
Case StudiesNEW ZEALAND – Canterbury Earthquakes 2010 – 2011 (6/2/2017) - On 4 September 2010, the Canterbury Region of New Zealand was rocked by a shallow 7.1 magnitude earthquake, 38km west of Christchurch City Centre. This triggered a sequence of major earthquakes, travelling east through the centre of the city and out into the Pacific Ocean. On 22 February 2011, a high intensity 6.3M earthquake occurred just 5km beneath the Port Hills on the southern outskirts, leading to widespread destruction within the city and 185 fatalities. The extremely high provision of insurance cover and multiple overlapping events created a uniquely challenging and complex situation, well beyond the experience and capacity ofread moreCANADA – flooding in Calgary and Toronto June 2013 (9/20/2015) - In June 2013, severe floods devastated the City of Calgary in the Canadian province of Alberta. They were caused by unusually heavy rains combined with the melting ice cap from the Rocky Mountains, the result of which was that the Bow and Elbow Rivers burst their banks simultaneously. The floods were declared by the Provincial Government to be the worst in Alberta’s history. Five people were killed and a further 100,000 were displaced by the flooding. Huge damage was sustained to high-profile sites such as the Calgary Zoo and the Scotiabank Saddledome, home to the Calgary Flames Ice Hockey Team.read moreCHILE – Restoring a country’s stability (7/4/2015) - 2010 in Chile – a devastating earthquake… Measuring 8.8MW on the Richter scale occurred at 03.34hrs local time on Saturday February 27th 2010, in South Central Chile. 90 minutes later a tsunami inundated over 500kms of coastline. 700 people were killed, 12,000 injured and 1,000,000 lost their homes or workplaces. Shock waves caused damage in Santiago; over 400kms from the epicentre. 250 aftershocks of magnitude 5.0 or greater were recorded. Transport, telecommunication networks, power and water supplies were all severely disrupted, some for several weeks. Initial estimates put the cost of the insured damage at more than $10bn and threatenedread more
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