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

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By Deandrea Hamilton

Editor

 

#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 sharedgiven 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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TCI Border Force Hosts Border Security Training for Overseas Territories

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Turks and Caicos, February 12, 2025 – The Turks and Caicos Islands (TCI) Border Force recently concluded a series of critical training exercises focused on container targeting, search procedures, and firearms awareness. This initiative, a vital investment in regional security, saw TCI Border Force officers joined by colleagues from the Anguilla Customs Department, BVI Customs Department, and Cayman Islands Customs and Border Control.

The training, conducted from 21st to 31st January, was facilitated by a team from Home Office International Operations through the Foreign, Commonwealth & Development Office (FCDO) Border Security Programme and organised via the Integrated Security Funding Overseas Territories Border Security Programme. This collaborative effort underscores the commitment of the UK government and participating agencies to combat transnational crime and the flow of illicit goods within the Overseas Territories.

The curriculum encompassed three courses. The first, Fundamentals of Container Targeting (21st-24th January), focused on enhancing participants’ understanding of current priorities and container targeting capabilities, risk analysis within container traffic, and practical exercises utilising intelligence flows. The second, Search of Containers, saw participants receive specialised training on current threats facing the shipping industry and best practices for container search procedures. Finally, a crucial course on Firearms Awareness provided instruction on various types of firearms and the identification of firearm parts, equipping officers with the knowledge necessary to interdict illegal weapons.

These training exercises represent a significant step forward in strengthening the TCI Border Force’s ability to facilitate trade while protecting the borders of the Turks and Caicos Islands. Enhanced targeting and search capabilities will lead to more effective screening of cargo and potentially shorter processing times for legitimate shipments. Greater security will also be evident as the increased focus on firearms awareness will contribute to a safer environment.

“This training is a crucial investment in the safety and security of the Turks and Caicos Islands,” stated Emilio Seymour; Director General of TCI Border Force. “By working collaboratively with our regional partners and leveraging the expertise of the Home Office, we are significantly improving our ability to detect and deter criminal activity. The enhanced skills acquired by our officers will have a direct and positive impact on our community, protecting our economy and ensuring a safer environment for all.”

The TCI Border Force remains committed to protecting the borders of the Turks and Caicos Islands and ensuring the safety and security of its citizens. This training initiative represents a significant investment in that commitment.

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Solar PV Projects Completed at Critical Turks and Caicos Islands Healthcare Facilities

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Grand Turk Wellness Center

PRESS RELEASE

 

FROM THE Ministry of Public Safety and Utilities

South Caicos

Providenciales, Turks and Caicos Islands 11th February 2025 – The Turks and Caicos Islands (TCI) have taken a significant step toward a more sustainable energy future with the installation of five (5) solar photovoltaic (PV) systems at key healthcare facilities across the archipelago.

This initiative, funded by the European Union through the Resilience, Sustainable Energy, and Marine Biodiversity Programme (RESEMBID) and implemented by Expertise France, aims to enhance sustainability, reduce operational costs for the TCI Government, and contribute to long-term economic viability.

North Caicos

The solar PV systems have been strategically installed at critical medical facilities, including the Blue Hills Clinic in Providenciales, the Bottle Creek Clinic in North Caicos, the Alsada Hall-Malcolm Primary Healthcare Clinic in Middle Caicos, the South Caicos Primary Health Clinic, and the Wellness Centre in Grand Turk. These healthcare centers provide essential services to local communities, and the integration of solar energy demonstrates TCI’s commitment to environmental responsibility and energy efficiency within vital public sectors.

Leading this transformative initiative is the Energy and Utilities Department (EUD) under the Ministry of Public Safety and Utilities (MPSU). The EUD has overseen the installation and integration of these solar PV systems within the local energy landscape, leveraging the islands’ abundant sunshine which averages approximately 350 sunny days per year — an ideal setting for solar energy generation. These systems, equipped with advanced battery storage solutions, will significantly reduce electricity costs for healthcare facilities while ensuring uninterrupted power supply during grid outages or energy supply challenges.

Middle Caicos

EUD Commissioner Delano R. Arthur emphasized the importance of this initiative: “The solar PV systems will greatly reduce electricity costs and symbolize our shift toward a sustainable energy future. This investment not only strengthens energy security, but reduces dependence on imported fossil fuels, lowering carbon emissions and environmental impact.”

The collaboration between the European Union, Expertise France, and local government agencies ensures that the project aligns with international renewable energy standards, benefiting both the environment and the community. Installation was successfully carried out by Green Revolution Ltd., a local company committed to advancing sustainable development in TCI. Their involvement highlights the importance of local expertise and community engagement in executing renewable energy initiatives.

Blue Hills

For further information, please contact:

Energy and Utilities Department (EUD)
Email: eud@gov.tc

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SHARK INCIDENT, BLUE HILLS

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12 February 2025, Providenciales – On Friday 7 February a tourist was injured by a shark in the waters adjacent to Blue Hills, Providenciales.

The individual was taken to Cheshire Hall Medical Centre where she was stabilized and later flown off island for further medical care.

Upon confirmation of the incident the Department of Environment & Coastal Resources (DECR) issued a beach closure notification from Thompson’s Cove Beach to Froggies ATV, Blue Hills in an abundance of caution. The beach was reopened on Sunday, February 9th at 1pm after it was determined that the shark had moved to deeper water.

The shark was estimated to be approximately 6ft in length, however the species is yet to be confirmed.

Further to the investigation, it has been determined that the tourist had attempted to engage with the animal from the shallows in an attempt to take photographs.

The DECR would like to urge the public to always  be aware of your surroundings, follow local advisories, and respect marine life. Swim in designated areas, avoid murky waters, never swim alone, and do not attempt to feed marine wildlife under any circumstances

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