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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 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.

Bahamas News

New GPS Evidence Prompts Fresh Search for Missing American Woman in Abaco

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ABACO, BAHAMAS — Nearly two months after American sailor Lynette Hooker vanished in waters off Abaco, investigators are preparing to conduct a new search based on GPS and navigation data that reportedly challenges the account originally provided by her husband.

The case, which first drew international attention in early April, began when Brian Hooker told authorities that his wife was swept away after falling from an inflatable dinghy during rough conditions in waters near Elbow Cay.

Initial search efforts involving Bahamian and U.S. authorities covered extensive areas of the Sea of Abaco but failed to locate the missing Michigan woman.

Now, according to multiple U.S. media reports, investigators have obtained electronic navigation and GPS data that appears to place the couple’s dinghy in a different location from where searchers initially concentrated their efforts.

The new information has prompted authorities to reopen search operations and seek permission for divers to examine a more targeted area of the Sea of Abaco.

Unlike the broad search that followed Hooker’s disappearance, the renewed effort is expected to focus on a relatively shallow section of water, reportedly about 25 feet deep. Investigators believe the location may offer a better opportunity to recover evidence and potentially answer lingering questions surrounding the disappearance.

The latest development marks a significant shift in the investigation.

What began as a maritime search-and-rescue operation has evolved into a complex multinational investigation involving Bahamian authorities, the United States Coast Guard and the Federal Bureau of Investigation.

Brian Hooker was detained and questioned by Bahamian authorities following his wife’s disappearance but was later released without charges. While investigators have never publicly accused him of a crime, reports indicate he remains a person of interest as authorities continue to examine the circumstances surrounding the case.

Hooker has repeatedly denied any wrongdoing and has maintained that his wife accidentally fell overboard.

The investigation has intensified in recent weeks. U.S. authorities have reportedly seized the couple’s sailboat, Soulmate, transporting the vessel to Florida for forensic examination. Investigators are said to be reviewing onboard electronics, digital records and other potential evidence as part of the ongoing inquiry.

The case has also attracted attention from Lynette Hooker’s family, who have continued to press for answers and support efforts to locate her.

The renewed search comes after Brian Hooker returned to the United States following the disappearance. Reports indicate he cited family reasons, including concerns about his mother’s health, for leaving The Bahamas.

For investigators, however, the focus now appears fixed on the newly identified search area and the electronic evidence that led them there.

Whether the latest operation produces answers remains to be seen. But nearly eight weeks after Lynette Hooker disappeared in the waters of Abaco, authorities believe new technology and new information may finally provide a clearer picture of what happened that night.

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Firearms, Migration Enforcement and 61% Crime Drop Highlight Bailey’s Year in Review

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By Deandrea Hamilton

PROVIDENCIALES, Turks and Caicos Islands — The dramatic decline in murders may have captured public attention, but newly released Year in Review graphics from Police Commissioner Fitz Bailey reveal a much broader policing strategy that the Royal Turks and Caicos Islands Police Force says is producing measurable results across the territory.

Among the standout achievements highlighted in the Commissioner’s 2025-2026 review is the recovery of 22 illegal firearms and more than 500 rounds of ammunition during 2025.  The graphics also show that four additional illegal firearms were seized during the first quarter of 2026.

The Police Force credits proactive policing, intelligence-led operations and community partnerships with helping remove weapons from the streets and reducing opportunities for violence.

The review also points to what may be the most significant statistic in the package: a 61 percent reduction in overall crime.  While the graphics do not provide a detailed breakdown of offences contributing to that decline, the figure suggests improvements extended well beyond homicide investigations and into broader categories of criminal activity.

Other accomplishments cited include strengthened border security operations, the detention of more than 1,100 irregular migrants, the dismantling of illegal settlements, the launch of a Human Trafficking Unit and expanded highway patrol initiatives.

The Force also highlighted increased engagement with communities through schools, churches and outreach programmes, investments in officer training and professional development, and modernization of information technology and communications systems.

For the tourism-dependent Turks and Caicos Islands, the review sought to reassure visitors that the destination remains safe.  Police recorded 43 incidents involving tourists during the review period, including 18 offences against the person, 23 property-related offences and two offences against the state.

Using annual visitor estimates of approximately two million arrivals, the Force argues that tourists remain overwhelmingly safe while vacationing in the territory.

The review also confirms the much-publicized reduction in murders. According to the data, murders fell from 48 in 2024 to 27 in 2025, representing a 43.75 percent decline.  The graphics further indicate that no murders were recorded during the first quarter of 2026.

While the figures paint a picture of improving public safety, they also raise questions that many residents will likely want answered as the conversation turns from crime reduction to criminal accountability.

Notably absent from the review are statistics related to arrests, charge rates, case clearances, prosecutions and convictions.  The graphics demonstrate that crime is declining and that firearms are being removed from communities, but they do not indicate how many suspects were arrested in connection with major crimes, how many cases resulted in charges, or how many offenders were ultimately convicted before the courts.

Those metrics have long been viewed as important measures of police effectiveness, particularly in serious crimes such as murder, shootings, robberies and firearms offences.  While the latest review focuses heavily on outcomes and operational achievements, future reporting on arrest and conviction rates may provide a more complete picture of how successfully the criminal justice system is converting police investigations into courtroom victories.

Still, Commissioner Bailey’s review makes a clear argument: that a combination of proactive policing, strategic enforcement, border security initiatives and community engagement has contributed to a safer Turks and Caicos Islands.

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Bahamas News

Nassau Opens CDB Annual Meeting at Baha Mar This Week

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NASSAU, BAHAMAS — Regional policymakers, development financiers, economists and international partners are converging on Nassau this week as the Caribbean Development Bank (CDB) stages its 56th Annual Meeting at the Baha Mar Resort from June 1-5, 2026.

Held under the theme, “Forging the Caribbean’s Future: Strategic Solutions for Uncertain Times,” the gathering is expected to place The Bahamas at the center of discussions on some of the region’s most pressing challenges, from climate resilience and energy security to debt sustainability and economic growth.

At the launch of the annual meeting on March 19, CDB President Daniel Best underscored the importance of bringing together leaders from across the Caribbean and beyond at a time of global uncertainty.

“The Annual Meeting provides a strategic moment for the Caribbean, an opportunity for our leaders, governments, development institutions, private sector, youth, and international partners to come together to identify practical solutions that can help the Region navigate uncertainty while unlocking the opportunities that lie ahead,” Best said.

The conference host, newly named Bahamas Minister of Finance and Chairman of the CDB Board of Governors, Michael Halkitis, also emphasized the significance of the event during the March 19 launch ceremony.

“Today’s gathering marks more than the start of preparations for an important meeting. It represents the beginning of a renewed conversation about the future of the Caribbean, about our shared aspirations, our common challenges, and the partnerships that will shape the path forward for our region,” Halkitis said.

He added: “Hosting the 56th Annual Meeting of the Caribbean Development Bank here in Nassau provides an important opportunity to strengthen partnerships and advance meaningful dialogue on the future of the Caribbean.”

Over the five-day meeting, delegates will tackle major issues including energy transition and resilienceinnovative debt solutions for Caribbean economies, and the impact of global economic shocks on regional development.

The programme features a number of high-level events including the Youth FIRE Forum, the William G. Demas Memorial Lecture, the President’s Chat titled Financing the Future: MDB Strategies for Uncertain Times, and a series of policy seminars examining climate finance, infrastructure, economic resilience and development lending.

Among the featured participants are CDB President Daniel Best, Finance Minister Michael Halkitis, senior officials from multilateral development banks, regional finance ministers, central bank governors, economists, development specialists and private-sector leaders. The President’s Chat is expected to bring together leaders of major multilateral development banks to discuss financing strategies for developing states facing mounting economic pressures.

The annual meeting also includes sessions branded “EDGE X by CDB: Analytics Unlocked,” which will explore the economic costs of traffic congestion in the Caribbean and how global crises continue to affect regional economies.

The CDB Annual Meeting traditionally attracts representatives from the Bank’s 28 member countries, including government ministers, senior public officials, development agencies, international financial institutions, youth delegates, academics and private-sector stakeholders. Hundreds of delegates are expected to participate in discussions that will help shape development priorities and financing strategies across the Caribbean in the years ahead.

Angle by Deandrea Hamilton. Built with ChatGPT (AI). Magnetic Media — CAPTURING LIFE.

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