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At Company InFocus, we believe in researching and understanding the power of social impact. Community partnerships are critical, especially in disaster recovery. But here’s our unique take: Insurance companies are often overlooked as key players in this process. That’s a mistake. Their involvement and partnerships can transform recovery efforts.

The Unlikely Heroes of Disaster Recovery

When disasters strike, images of emergency responders fill the news. Firefighters, paramedics, and volunteers get much of the attention—and they deserve it. But what about insurance companies and claims investigators? Their role is equally important.

Take Michael Cokins, for example. He’s an insurance claims and investigations adjustor in Houston, Texas. Michael doesn’t just assess damage and process claims. He’s been on the ground volunteering with Habitat for Humanity and HandsOn New Orleans Volunteer Center. He’s seen firsthand devastation and the long, painful process communities endure to rebuild.

How Insurance Companies Make a Difference

It’s easy to think of insurance companies as just businesses. But in times of crisis, they often step up in ways that matter. Sure, they’re there to process claims, but their reach goes further. They have the power to provide financial stability to families and businesses at their most vulnerable. And when partnered with local governments and non-profits, their impact is magnified.

Contrary to popular belief, many insurance professionals care deeply about community welfare. Michael Cokins, a University of Houston graduate with a degree in Business Administration, is a perfect example. His work goes beyond the office. He’s passionate about rebuilding and ensuring communities thrive post-disaster.

Successful Partnerships That Work

Effective disaster recovery often requires collaboration. Partnerships between insurance companies, government agencies, and non-profits create a strong safety net for affected communities. Here’s how some partnerships have made a difference:

1. Coordinated Resource Allocation: In the aftermath of Hurricane Harvey, insurance companies worked closely with city officials and organizations like the American Red Cross. The result? Faster response times and efficient distribution of funds and resources. Insurance adjustors like Michael Cokins were essential in assessing needs and helping organizations prioritize.
2. Non-Profit Collaboration: Non-profits are often the first to respond when disaster strikes. Insurance companies can amplify these efforts. By sharing data and resources, they help non-profits make informed decisions. After Katrina, HandsOn New Orleans partnered with claims adjustors to understand the extent of property damage. This collaboration sped up rebuilding efforts.
3. Community Outreach Programs: Some insurance companies have started programs that focus on education and preparedness. By teaching communities about risk management and how to file claims efficiently, they empower people. This reduces the chaos that often follows a disaster.

Where We Can Improve

We’re not saying everything is perfect. There’s always room for growth. Here are some ideas for strengthening these partnerships:

• Improve Communication: Often, government agencies, non-profits, and insurance companies operate in silos. Sharing information quickly and transparently should be a top priority. Technology can help bridge these gaps.
• Focus on Long-Term Recovery: Insurance payouts and long-term community support are crucial. Companies can invest in rebuilding infrastructure and local businesses, fostering a sense of stability and normalcy.
• Train Adjustors for Community Impact: People like Michael Cokins are rare. We need more claims investigators trained in community engagement. Their unique role allows them to make connections and facilitate community partnerships.

Why This Matters

Disaster recovery isn’t just about money or logistics. It’s about people. Families lose their homes, businesses shut down, and entire neighborhoods suffer. The process of rebuilding isn’t quick or easy. However, with strong community partnerships, recovery is possible.

Our belief at Company InFocus is simple: We should rethink how we view insurance companies in disaster response. They have the resources, data, and human capital to drive real change. And while contrarian, this perspective reveals a new opportunity—one where insurers are celebrated community partners, not just claim handlers.

Michael Cokins embodies this idea. He’s proof that an adjustor can be more than a paper pusher. By volunteering and engaging with local efforts, he’s impacted places like Houston and New Orleans. We need more people like him. And we need more companies willing to think differently about their role in disaster recovery.

Moving Forward Together

The future depends on stronger partnerships. Disaster recovery will always be complex, but collaboration makes it manageable. We should encourage insurance companies to keep innovating and investing in community support. Let’s embrace a new era of recovery—one where no one is left behind.

We invite you to consider this fresh perspective. Sometimes, the most powerful heroes are the ones working quietly behind the scenes—the ones like Michael Cokins, who not only assess damage but actively help rebuild. In disaster recovery, every role matters. And together, we can build stronger, more resilient communities.