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Hurricane hit residents take to social media about slow payment of Insurance Claims

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By Deandrea Hamilton

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#TurksandCaicos, November 28, 2022 – Just over two months after Hurricane Fiona, residents are still languishing they say, waiting for reasonable insurance payouts and the frustration is giving way to public outcry on social media, where adjusters and at least one insurance company is named as being unfair and unresponsive when it comes to the claims process.

“…clients of  ——  have yet to receive their claims.  The insurance company is not communicating effectively nor responding to emails and telephone calls,” said one report.

Just a few weeks ago, Edwin Astwood, Leader of the Opposition issued a statement calling for a national education campaign on home insurance.  In the report, the Grand Turk South, Member of Parliament uncorked a string of dilemmas facing home owners who are being told they are underinsured.

“The experience of seeking a pay-out from the insurance companies has been a stressful, disappointing, and an eye-opening experience for many homeowners. Many expressed the feeling of being grossly uninformed and lacking needed knowledge about their insurance policies, especially those who got insurance through their banking institutions.

A common mistake that some homeowners make is not to insure their property for the full replacement value, thus creating the issue of underinsurance, and as a result, if an insured peril causes damage to the home or its contents are stolen, the claim may be subject to the application of the average clause.”

The Grand Turk resident said some are having to dig into life savings and come up with tens of thousands of dollars to replace their homes which were damaged in the September 20, Category one hurricane. He was concerned that so many residents find themselves ill-equipped to bounce back, within reasonable time from a severe encounter with hurricane or other emergencies.

“Insurance data points out that many homes in the Turks and Caicos are underinsured, with there also being many homes uninsured. That should be a major concern for the Government, the homeowners, and for the insurer, especially given that risks from climatic events such as hurricanes and flooding become more adverse annually,” said Astwood.

There was some advice to avoid underinsurance from the MP; he said, “Insure your property for its replacement value rather than market value; ensure that all of your contents are included in your policy and Review insurance policies annually.”

On the latter point, the LOO shared “given that the replacement value of the property may change due to inflation associated with construction costs or home improvement projects implemented.  This regular audit of your insurance, at the time of your renewal or at any point during the policy year, assists to ensure that your property is fully covered in the event of loss by an insured peril.”

While the TCI Government participates in the Caribbean Catastrophe Risk Insurance Facility, (CCRIF) it is not in the practice of handing out funds or materials for reconstruction of personal dwelling homes after a storm or fire.  It may be among the reasons the Opposition Leader and others are now demanding attention for the issue; calling for concerns to be elevated and public understanding to be taken on as a national priority.

People also believe insurance companies need to be held accountable or exposed when dealing unfairly with policy holders.

“One client/customer of ——— insurance for many years told us they were shocked and embarrassed when they submitted their claim for their property after the hurricane to receive an insulting response that they have no claim to receive after losing the majority of their properties in the hurricane.”

Astwood informed the public education and awareness could be led by the Ministry of Finance or regulated through the Financial Services Commission for the banks and insurance companies servicing the marketplace.

“I cannot underscore more the importance of having complete home insurance, as I learned the lesson personally in the past.  It is a bad idea for homeowners not to have insurance or to be underinsured.

More must be done and should be done in protecting against our people being blindsided by insurance adjustments, and more must be done in educating our people about insurance claims, policies, and procedures. In this vein, after essential discussions with relevant stakeholders the necessary consumer protection legislation will be introduced, passed, gazetted and relevant information will be published on the appropriate government website to ensure greater protections and transparency for the people of the Turks and Caicos.”

Astwood, as leader of the People’s Democratic Movement (PDM) promised his party would make the matter paramount.

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The Cassandra I remember: A fighting spirit, now elected to serve

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By Deandrea Hamilton

 

The Cassandra I remember never backed down from a fight.

She had an effervescent personality and was fiercely committed to her family—and that included her church and her friends. She deeply appreciated the people God had given her, drawing on their love and support to push through circumstances no child, no teenager, should have to face.

Today, voters in a country far from where she grew up have trusted her to champion more accessible communities and better responses to people facing mental health and developmental challenges.

It speaks volumes about what happens when we believe in our children. When we refuse to set limits on who they can become, regardless of how they started. When we recognize God’s hand on their lives and support their ability to contribute and make an impact, wherever He places them.

Cassandra Toussaint is now councilwoman-elect for Ward 1 in Avon, Indiana, after defeating Republican Doug Elmore in the November 3 election. She ran as a Democrat. (youarecurrent.com)

Of Haitian heritage, she grew up in Turks and Caicos, attending Oseta Jolly, briefly Maranatha, and then TCIPS.

Her connections remain strong: friends, family and Lady Turks Gift Shop, a boutique venture she created with her best friend, Novie, from an idea they shared as teenagers.

Her family includes her father, Eliezer Toussaint, and her brother, Stoycov Toussaint, who graduated from Indiana University. Stephane Ambroise is playing basketball in Canada. Her mother, Ertha Etienne, died when Cassandra and her siblings were children.

In Turks and Caicos, her cousins Brenda, Steven, Lendcy and Sarah Cenary are, she says, successful and passionate about helping young people and giving back to their community.  Their mother, her aunt Rose Philomene Cenary, has worked in the Islands’ hotel industry for years and holds a special place in Cassandra’s heart.

“My aunt is the glue of my family,” Cassandra said, describing her love for the family and how she has always done her best to support them all.

A registered behavior technician, Toussaint says her childhood experiences inspired her to advocate for children who feel misunderstood.

Her campaign priorities included improved roads, accessible parks and facilities, and police training to better recognize and respond to autism and intellectual disabilities.

With limited money and little preparation time, she took her campaign directly to residents, knocking on doors and connecting at community events.

“Every resident deserves to be met with understanding,” she wrote.

The young woman I remember is preparing to bring that conviction into public office.

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Porter Airlines Begins Nonstop Service to Turks and Caicos Islands with Toronto to PLS route  

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Providenciales, Turks and Caicos Islands (November 6th, 2026) – The Turks and Caicos Islands welcomes Porter Airlines as it begins its service to the destination with its inaugural Toronto (YYZ) to Providenciales (PLS) route on Friday, November 6th.  The airline will service the route five times weekly from the Toronto Pearson International Airport.

On December 17th, Porter will launch its Ottawa to PLS flight, a new route for the Turks and Caicos Islands. That route will be serviced twice weekly from Ottawa International Airport (YOW).

Minister of Tourism, Hon. Zhavargo Jolly said the expansion of air service from Canada reflects the growing strength of that market to the Turks and Caicos Islands.

“Canada is showing strong and growing interest in the Turks and Caicos Islands, and we are pleased to see that reflected in the expansion of air service from the market. Porter Airlines’ new nonstop flights from Toronto and Ottawa strengthen our connectivity with Canada and give travellers more convenient options for reaching our islands. Canadians have always shown a genuine appreciation for the culture, heritage, natural beauty and, of course, the people of the Turks and Caicos Islands. Perhaps it is that shared warmth and friendliness that keeps bringing them back, and our partnership with Porter will simply make it easier for Canadians to continue showing their love for our Beautiful by Nature islands. Toronto builds on an important existing market for us, while Ottawa opens an entirely new gateway to the Turks and Caicos Islands. This increased access will make it easier for more Canadians to discover and enjoy our destination, while supporting the continued growth of this important market.”

Hon. Arlington Musgrove, minister responsible for aviation, Turks and Caicos commended his team at the Turks and Caicos Islands Airports Authority (TCIAA) for developing this relationship with Porter.

“The launch of Porter Airlines’ new services from Toronto and Ottawa to the Turks and Caicos Islands is another important milestone in strengthening our connectivity with the Canadian market. Canada remains an important source market for our tourism industry, and these new routes will give Canadians more choice and easier access to the warmth, beauty, and hospitality of the Turks and Caicos Islands. I commend the Turks and Caicos Islands Airports Authority for leading this initiative and for its continued efforts to develop air service and build strong relationships with our airline partners. I also extend our sincere appreciation to Porter Airlines for its confidence in the Turks and Caicos Islands and for choosing our destination as part of its growing network of sun destinations. We warmly welcome Porter, its passengers and crew to our shores and look forward to a successful and lasting partnership,” he said.

To celebrate and promote the new flights, Experience Turks and Caicos hosted a reception in Ottawa for travel advisors and media. Organised by VoX International, our marketing agency in Canada, the event featured remarks by Market Intelligence Manager, Sharissa Lightbourne and Chairman of the TCIAA, Dwayne Gardiner. Nikeva Ariza, Director of Corporate Affairs, Communications and Public Engagement was also in attendance.

The new flights are operated by Porter’s 132-seat Embraer E195-E2. The aircraft features a two-by-two seating configuration, meaning no middle seats for any passenger. Porter’s elevated onboard experience includes complimentary beer and wine served in glassware, premium Canadian snacks, and free, fast WiFi for every passenger.

To book your flight, visit www.flyporter.com.

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Turks and Caicos Islands Records Highest Third-Quarter Stayover Arrivals  

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Providenciales, Turks and Caicos Islands (November 4th, 2026) – The Turks and Caicos Islands recorded its highest number of stayover arrivals for the third quarter of the year, with approximately 130,000 visitors welcomed between July and September, representing a three percent increase over the same period in 2025.

Preliminary figures from Experience Turks and Caicos show that the destination recorded 514,670 stayover arrivals for the first nine months of 2026, an increase of 25,048 visitors, or five percent, compared with the same period last year. Growth was recorded in every month from January through September, underscoring the destination’s continued appeal among travellers and the sustained demand for its tourism product.

 

Stay Over Arrivals by Quarter (2025/2026)

September closed the quarter on a positive note, with 20,204 stayover arrivals, seven percent more than the 18,795 recorded in September 2025. The year-to-date total of 514,670 is the highest number of stayover arrivals ever recorded for the January-to-September period.

Commenting on the record stayover arrivals, Minister of Tourism, Hon. Zhavargo Jolly said: “These record arrivals are an encouraging achievement for the Turks and Caicos Islands and a reflection of the continued confidence visitors have in our destination. However, I’ve always maintained that the true measure of tourism’s success cannot simply be the number of visitors arriving on our shores. It must also be measured by the opportunities we create for our people.”

“Our vision is to build a stronger, higher-value tourism industry where Turks and Caicos Islanders are not simply employees, but entrepreneurs, business owners and active participants in the economic opportunities tourism creates. This is why our recent Community Connect meetings across the sister islands were so important. We want to engage directly with our communities, understand their challenges and ensure that as our tourism industry grows, the opportunities for our people grow alongside it. Ultimately, tourism must do more than bring people to our shores. It must improve the lives of the people who call these islands home.”

Cruise arrivals reflect return to regular itineraries

Cruise passenger arrivals at the Grand Turk Cruise Port followed a different trend during the first nine months of 2026, with figures reflecting a return to more typical cruise itineraries following an unusually strong period in 2025.

Last year, cruise lines added Grand Turk to their itineraries, resulting in exceptionally high passenger volumes and cruise calls. With itineraries returning to more regular patterns this year, cruise passenger arrivals declined year over year throughout the first nine months.

The destination received 62,095 cruise passengers in September, a 22 percent decrease from the 79,341 recorded in September 2025. From January through September, total cruise passenger arrivals stood at 838,533, compared with 1,016,532 during the same period last year, representing an 18 percent decline.

Cruise Arrivals by Quarter (2025/2026)

While the cruise figures reflect a normalisation from last year’s elevated numbers, the continued growth in stayover arrivals provides a positive indicator of the destination’s performance in its overnight visitor market.

It is projected that the month-on-month increases in stayover arrivals will continue into the upcoming winter season, especially with the additional airlift expected from new and existing gateways in Canada and the US.

 

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