Hurricane Michael Collides with Florida Panhandle

Updated 2/1/19: FEMA issued an update to a Presidential Major Disaster Declaration for areas in Virginia affected by Tropical Storm Michael from October 9-16, 2018.

Link to Industry Update

Updated 1/31/19: FEMA issued a Presidential Major Disaster Declaration for areas in North Carolina affected by Hurricane Michael from October 10-12, 2018.

Link to Industry Alert

Updated 12/18/18: FEMA issued a Presidential Major Disaster Declaration for areas in Virginia affected by Tropical Storm Michael from October 9-16, 2018.

Link to Industry Alert

Updated 11/15/18: FEMA issued an update to a Presidential Major Disaster Declaration for areas in Florida affected by Hurricane Michael from October 7-19, 2018.

Link to Industry Alert

Updated 11/15/18: FEMA issued an update to a Presidential Disaster Declaration for areas in Georgia affected by Hurricane Michael from October 9-23, 2018.

Link to Industry Alert

Updated 11/7/18: FEMA issued an update to a Presidential Disaster Declaration for areas in Georgia affected by Hurricane Michael from October 9-23, 2018.

Link to Industry Alert

Updated 11/5/18: FEMA issued a Presidential Disaster Declaration for areas in Alabama affected by Hurricane Michael from October 10-13, 2018.

Link to Industry Alert

Updated 11/1/18: FEMA issued an update to a Presidential Disaster Declaration for areas in Georgia affected by Hurricane Michael from October 9-23, 2018.

Link to Industry Alert

Updated 10/25/18: FEMA issued an update to a Presidential Major Disaster Declaration for areas in Georgia affected by Hurricane Michael beginning on October 9, 2018 and continuing.

Link to All Client Alert

Updated 10/16/18: FEMA issued an update to a Presidential Major Disaster Declaration for areas in Georgia affected by Hurricane Michael beginning on October 9, 2018 and continuing.

Link to All Client Alert

Updated 10/16/18: FEMA issued an update to a Presidential Major Disaster Declaration for areas in Florida affected by Hurricane Michael beginning on October 7, 2018 and continuing.

Link to All Client Alert

Updated 10/15/18: The U.S. Department of Veterans Affairs (VA) issued Circular 26-18-23: Special Relief Following Hurricane Michael.

Link to All Client Alert

NOTE: This has not yet been declared a Presidential Major Disaster.

Updated 10/13/18: FEMA issued an update to a Presidential Major Disaster Declaration for areas in Florida affected by Hurricane Michael beginning on October 7, 2018 and continuing.

Link to All Client Alert

Updated 10/12/18: FEMA issued an Emergency Declaration for areas in Alabama due to the emergency conditions in the area affected by Hurricane Michael beginning on October 10, 2018 and continuing.

Link to declaration

Link to associated ZIP Code list

MapAlert Disaster Viewer

Updated 10/12/18: FEMA issued an update to a Presidential Major Disaster Declaration for areas in Florida affected by Hurricane Michael beginning on October 7, 2018 and continuing.

Link to All Client Alert

Updated 10/12/18: The U.S. Department of Housing and Urban Development (HUD) issued a press release titled HUD Announces Disaster Assistance for Florida Storm Victims.

Link to All Client Alert

Updated 10/12/18: Approximate areas sustaining property damage:

Florida

Apalachicola
(Franklin County, 32320, 32329)
Mexico Beach (Bay County, 32456)
Panama City (Bay County, 32401, 32402, 32404, 32405, 32406, 32412)
Tallhassee (Leon County, 32301, 32302, 32303, 32304, 32305, 32306, 32307, 32308, 32309, 32310, 32311, 32312, 32313, 32314, 32316, 32317, 32395, 32399)

Georgia

Oakland City (Fulton County, 47660)
Flint River Estates (Crawford County, 31078)

North Carolina

Reidsville (Rockingham County, 27320, 27323)
South Carolina
Irmo (Lexingon, Richland counties, 29063, 29212)

Virginia

Achilles (Gloucester County, 23001, 23072)
Burkeville (Nottoway County, 23922)
Danville (Pittsylvania County, 24540, 24541, 24543)
Farmville (Prince Edward, Cumberland counties, 23901, 23909)
Jamaica (Middlesex County, 23079)
Lanexa (New Kent County, 23089)
Richmond (Independent City, 23173, 23218, 23219, 23220, 23221, 23222, 23223, 23224, 23225, 23226, 23227, 23230, 23231, 23232, 23234, 23235, 23241, 23249, 23260, 23261, 23269, 23274, 23276, 23278, 23279, 23282, 23284, 23285, 23286, 23289, 23290, 23291, 23292, 23293, 23295, 23298
Roanoke (Independent City, 24001, 24002, 24003, 24004, 24005, 24006, 24007, 24008, 24009, 24010, 24011, 24012, 24013, 24014, 24015, 24016, 24017, 24018, 24019, 24022, 24023, 24024, 24025, 24026, 24027, 24028, 24029, 24030, 24031, 24032, 24033, 24034, 24035, 24036, 24037, 24038, 24040, 24042, 24043, 24050)

Updated 10/12/18: The Weather Channel issued a report titled Hurricane Michael Recap: Historic Category 4 Florida Panhandle Landfall; Swath of Wind Damage and Flooding Into the Carolinas, Mid-Atlantic.

Link to article

Updated 10/11/18: Virginia Governor Ralph S. Northam issued a state of emergency in anticipation of Tropical Storm Michael.

Link to declaration

Link to associated ZIP Code list

NOTE: This is independent from any FEMA Declared Disaster.

Updated 10/11/18: FEMA issued a Presidential Major Disaster Declaration for areas in Florida affected by Hurricane Michael beginning on October 7, 2018 and continuing.

Link to All Client Alert

Updated 10/11/18: CNN published a report titled After pummeling Florida and Georgia, deadly Michael heads to the Carolinas.

Link to article

Updated 10/10/18: Georgia Governor Nathan Deal expanded on his previous state of emergency declaration to include 16 additional counties.

Link to declaration

Link to associated ZIP Code list

NOTE: This is independent from any FEMA Declared Disaster.

Updated 10/10/18: FEMA issued an Emergency Declaration for areas in Georgia due to the emergency conditions in the area affected by Hurricane Michael beginning on October 9, 2018 and continuing.

Link to declaration

Link to associated ZIP Code list

Updated 10/10/18: North Carolina Governor Roy Cooper issued a state of emergency in anticipation of the remnants of Hurricane Michael.

Link to declaration

Link to associated ZIP Code list

NOTE: This is independent from any FEMA Declared Disaster.

Updated 10/10/18: South Carolina Governor Henry McMaster extended a state of emergency due to flooding from Hurricane Florence and potential impacts from the remnants of Hurricane Michael.

Link to declaration

Link to associated ZIP Code list

NOTE: This is independent from any FEMA Declared Disaster.

Updated 10/10/18: Fannie Mae issued a press release titled Fannie Mae Reminds Homeowners and Servicers of Mortgage Assistance Options for Areas Affected by Hurricane Michael.

Link to All Client Alert

Updated 10/10/18: Freddie Mac issued a press release titled Freddie Mac Confirms Disaster Relief Policies as Hurricane Michael Approaches.

Link to All Client Alert

Updated 10/10/18: The Weather Channel issued a report titled Hurricane Michael Just Hours Away From a Catastrophic, Unprecedented Florida Panhandle, Big Bend Category 4 Landfall.

Link to article

Updated 10/9/18: FEMA issued an Emergency Declaration for areas in Florida affected by Hurricane Michael beginning on October 7 and continuing.

Link to declaration

Link to associated ZIP Code list

Updated 10/9/18: Georgia Governor Nathan Deal declared a state of emergency in anticipation of Hurricane Michael.

Link to declaration

Link to associated ZIP Code list

Updated 10/9/18: As Hurricane Michael is on course to make landfall in the Florida Panhandle, Safeguard has compiled an approximate county ZIP Code list associated with the area.

Link to ZIP Code list

Updated 10/8/18: Florida Governor Rick Scott amended his previous state of emergency in anticipation of Hurricane Michael.

Link to declaration

Link to associated ZIP Code list

Updated 10/8/18: Alabama Governor Kay Ivey issued a statewide state of emergency due to the expected impact from Hurricane Michael.

Link to declaration

Link to associated ZIP Code list

All Client Alert
October 8, 2018

Source: The Weather Channel

Additional Resources:

Office of Florida Governor Rick Scott (Gov. Scott Declares State of Emergency for Tropical Storm Michael)

Link to associated ZIP Code list

NOAA National Coastal County ZIP Code list

Safeguard Properties Update Alert Center

Michael has strengthened into a hurricane and is forecast to strike the northeast Florida coastline as a Category 3 with dangerous storm surge flooding, destructive winds and flooding rainfall.

Michael is currently centered about 50 miles south of the western tip of Cuba and is moving north.
Outer rainbands from Michael are already soaking the Florida Keys, and rainfall totals of 2 to 4 inches are likely there through Tuesday.

Michael rapidly intensified from Sunday 11 a.m. EDT to Monday 11 a.m. EDT when its winds increased from 35 mph to 75 mph in that 24-hour period.

A hurricane watch is now posted for the northeast Gulf Coast from the Alabama/Florida border to Suwanee River, Florida. This includes Pensacola, Panama City and Tallahassee. Hurricane watches are issued 48 hours before the arrival of tropical-storm-force winds which is when outside preparations become dangerous.

Tropical storm watches are in effect from Suwanee River, Florida, to Anna Maria Island, Florida, including Tampa Bay. Also in a tropical storm watch is a swath from the Alabama/Florida border to the Mississippi/Alabama border as well as inland areas of southern Alabama and southwest Georgia.

A storm surge watch has been hoisted from Navarre, Florida, to Anna Maria Island, Florida, including Tampa Bay. This means life-threatening storm surge inundation is possible in the watch area within 48 hours.

Interests along the northeastern Gulf Coast in the path of Michael should be making preparations. Follow the advice of local officials if you are ordered to evacuate, particularly if you live in a storm surge prone location.

Forecast: U.S. Gulf Coast Threat Midweek

Forecast guidance is unanimous that Michael will be drawn northward through the Gulf of Mexico and pose a threat to the northeastern Gulf Coast by Tuesday night or Wednesday.
Michael is expected to become a hurricane on Monday and will continue to intensify early this week, potentially approaching major hurricane strength before it makes landfall. This will be due to a combination of increasingly favorable upper-level winds and above average sea-surface temperatures along Michael’s path.

Here’s a general overview of what we know right now.

Timing

– Landfall is most likely to occur somewhere between the Florida Panhandle and the Big Bend of Florida Wednesday into Wednesday night. Depending on how quickly or slowly Michael begins to turn northeast, landfall could be delayed until early Thursday.
– Conditions could begin to deteriorate as early as Tuesday night on the northeast Gulf Coast.
– After landfall, Michael will then move farther inland across the southeastern U.S. into late-week.

Intensity

– The National Hurricane Center is forecasting Michael to be a Category 2 hurricane when it makes landfall. However, the intensity forecast is uncertain, and Michael could be slightly weaker or even stronger than that at landfall. There is a chance Michael could be near major hurricane strength (Category 3+) when it approaches the coast.

Wind

– Hurricane-force winds (74-plus mph) could arrive in the hurricane watch area on the northeast Gulf Coast by Wednesday.
– Tropical-storm-force winds (39-plus mph) are most likely to arrive in the tropical storm watch area on the northeastern Gulf Coast by Tuesday night or Wednesday morning.
– Widespread power outages, tree damage and structural damage could occur along the path of Michael near and just inland from where it makes landfall on the northeastern Gulf Coast.
– Windy conditions may extend farther inland across parts of the Southeast as Michael moves northeast, including parts of southern Alabama, Georgia and the Carolinas. Although there is uncertainty with the strength of winds across inland locations, there could be scattered tree damage and scattered power outages.

Storm Surge

– Dangerous storm surge flooding will occur along the immediate coastline near and east of where the center makes landfall.
– Michael is expected to affect portions of the Florida Gulf coast that are especially vulnerable to storm surge, particularly Apalachee Bay south of Tallahassee.

The National Hurricane Center says water levels on the coast could reach the following heights if the peak storm surge arrives at high tide:

Indian Pass to Crystal River: 7 to 11 feet
Crystal River to Anclote River: 4 to 6 feet
Okaloosa/Walton County Line to Indian Pass 4 to 7 feet
Anclote River to Anna Maria Island including Tampa Bay: 2 to 4 ft
Navarre to Okaloosa/Walton County Line: 2 to 4 feet

Here are the high tides for Wednesday and Thursday for a few locations in the storm surge threat area (all times are local):

Panama City: 10:30 p.m. on Wednesday | 11:00 p.m. on Thursday
Apalachicola: 4:39 a.m. and 6:10 p.m. on Wednesday | 4:58 a.m. and 7:04 p.m. on Thursday
Cedar Key: 2:48 a.m. and 3:36 p.m. on Wednesday | 3:18 a.m. and 4:19 p.m. on Thursday
Tampa Bay/St. Petersburg: 2:46 a.m. and 4:06 p.m. on Wednesday | 3:09 a.m. and 4:55 p.m. on Thursday

On the Southeast coast, onshore winds and high astronomical tides will also lead to some coastal flooding this week. Charleston Harbor is forecast to see minor to moderate coastal flooding at high tide.

Rainfall

– Heavy rain is likely to spread inland from the northeastern Gulf Coast midweek to other parts of the southeastern U.S. into late-week.
– Rainfall totals of 4 to 8 inches are forecast from the Florida Panhandle into southern Georgia, according to the National Hurricane Center. Locally up to a foot of rain is possible. This may cause life-threatening flash flooding in some areas.
– Some heavy rain could affect parts of the Carolinas that were devastated by flooding from Hurricane Florence. That said, this system is unlikely to stall like Florence did and will, therefore, not bring extreme rainfall amounts. Some flooding could still occur there, but details are uncertain this far out in time.

Tornadoes

– As is typical with landfalling hurricanes, isolated tornadoes will be a threat on the eastern side of the storm.
– A tornado threat may develop in the Florida Panhandle and southern Georgia by Wednesday.

Check back with weather.com throughout the week ahead for more details on the forecast for Michael.

Cuba and Mexico Impact

A hurricane warning is now effect for the Pinar del Rio Province in western Cuba. Hurricane conditions are possible there later Monday.

Tropical storm warnings have been posted for Isle of Youth, Cuba, and Mexico’s northeastern Yucatan Peninsula, including Cozumel.

Rainfall totals of 4 to 8 inches (locally 12 inches) are forecast over western Cuba, with 1 to 2 inches over the northeast Yucatan Peninsula.
These downpours could contribute to life-threatening flash flooding and mudslides, particularly in areas of mountainous terrain.

x

CHIEF EXECUTIVE OFFICER

Alan Jaffa

Alan Jaffa is the chief executive officer for Safeguard, steering the company as the mortgage field services industry leader. He also serves on the board of advisors for SCG Partners, a middle-market private equity fund focused on diversifying and expanding Safeguard Properties’ business model into complimentary markets.

Alan joined Safeguard in 1995, learning the business from the ground up. He was promoted to chief operating officer in 2002, and was named CEO in May 2010. His hands-on experience has given him unique insights as a leader to innovate, improve and strengthen Safeguard’s processes to assure that the company adheres to the highest standards of quality and customer service.

Under Alan’s leadership, Safeguard has grown significantly with strategies that have included new and expanded services, technology investments that deliver higher quality and greater efficiency to clients, and strategic acquisitions. He takes a team approach to process improvement, involving staff at all levels of the organization to address issues, brainstorm solutions, and identify new and better ways to serve clients.

In 2008, Alan was recognized by Crain’s Cleveland Business in its annual “40-Under-40” profile of young leaders. He also was named a NEO Ernst & Young Entrepreneur of the Year® finalist in 2013.

x

Chief Operating Officer

Michael Greenbaum

Michael Greenbaum is the chief operating officer for Safeguard. Mike has been instrumental in aligning operations to become more efficient, effective, and compliant with our ever-changing industry requirements. Mike has a proven track record of excellence, partnership and collaboration at Safeguard. Under Mike’s leadership, all operational departments of Safeguard have reviewed, updated and enhanced their business processes to maximize efficiency and improve quality control.

Mike joined Safeguard in July 2010 as vice president of REO and has continued to take on additional duties and responsibilities within the organization, including the role of vice president of operations in 2013 and then COO in 2015.

Mike built his business career in supply-chain management, operations, finance and marketing. He has held senior management and executive positions with Erico, a manufacturing company in Solon, Ohio; Accel, Inc., a packaging company in Lewis Center, Ohio; and McMaster-Carr, an industrial supply company in Aurora, Ohio.

Before entering the business world, Mike served in the U.S. Army, Ordinance Branch, and specialized in supply chain management. He is a distinguished graduate of West Point (U.S. Military Academy), where he majored in quantitative economics.

x

CHIEF INFORMATION OFFICER

Sean Reddington

Sean Reddington is the new Chief Information Officer for Safeguard Properties LLC. Sean has over 15+ years of experience in Information Services Management with a strong focus on Product and Application Management. Sean is responsible for Safeguard’s technological direction, including planning, implementation and maintaining all operational systems

Sean has a proven record of accomplishment for increasing operational efficiencies, improving customer service levels, and implementing and maintaining IT initiatives to support successful business processes.  He has provided the vision and dedicated leadership for key technologies for Fortune 100 companies, and nationally recognized consulting firms including enterprise system architecture, security, desktop and database management systems. Sean possesses strong functional and system knowledge of information security, systems and software, contracts management, budgeting, human resources and legal and related regulatory compliance.

Sean joined Safeguard Properties LLC from RenPSG Inc. which is a nationally leading Philintropic Software Platform in the Fintech space. He oversaw the organization’s technological direction including planning, implementing and maintaining the best practices that align with all corporate functions. He also provided day-to-day technology operations, enterprise security, information risk and vulnerability management, audit and compliance, security awareness and training.

Prior to RenPSG, Sean worked for DMI Consulting as a Client Success Director where he guided the delivery in a multibillion-dollar Fortune 500 enterprise client account. He was responsible for all project deliveries in terms of quality, budget and timeliness and led the team to coordinate development and definition of project scope and limitations. Sean also worked for KPMG Consulting in their Microsoft Practice and Technicolor’s Ebusiness Division where he had responsibility for application development, maintenance, and support.

Sean is a graduate of Rutgers University with a Bachelor of Arts and received his Masters in International Business from Central Michigan University. He was also a commissioned officer in the United States Air Force prior to his career in the business world.

x

General Counsel and Executive Vice President

Linda Erkkila, Esq.

Linda Erkkila is the general counsel and executive vice president for Safeguard and oversees the legal, human resources, training, and compliance departments. Linda’s responsibilities cover regulatory issues that impact Safeguard’s operations, risk mitigation, enterprise strategic planning, human resources and training initiatives, compliance, litigation and claims management, and mergers, acquisition and joint ventures.

Linda assures that Safeguard’s strategic initiatives align with its resources, leverage opportunities across the company, and contemplate compliance mandates. Her practice spans over 20 years, and Linda’s experience covers regulatory disclosure, corporate governance compliance, risk assessment, executive compensation, litigation management, and merger and acquisition activity. Her experience at a former Fortune 500 financial institution during the subprime crisis helped develop Linda’s pro-active approach to change management during periods of heightened regulatory scrutiny.

Linda previously served as vice president and attorney for National City Corporation, as securities and corporate governance counsel for Agilysys Inc., and as an associate at Thompson Hine LLP. She earned her JD at Cleveland-Marshall College of Law. Linda holds a degree in economics from Miami University and an MBA. In 2017, Linda was named as both a “Woman of Influence” by HousingWire and as a “Leading Lady” by MReport.

x

Chief Financial Officer

Joe Iafigliola

Joe Iafigliola is the Chief Financial Officer for Safeguard. Joe is responsible for the Control, Quality Assurance, Business Development, Accounting & Information Security departments, and is a Managing Director of SCG Partners, a middle-market private equity fund focused on diversifying and expanding Safeguard Properties’ business model into complimentary markets.

Joe has been in a wide variety of roles in finance, supply chain management, information systems development, and sales and marketing. His career includes senior positions with McMaster-Carr Supply Company, Newell/Rubbermaid, and Procter and Gamble.

Joe has an MBA from The Weatherhead School of Management at Case Western Reserve University, is a Certified Management Accountant (CMA), and holds a bachelor’s degree from The Ohio State University’s Honors Accounting program.

x

AVP, High Risk and Investor Compliance

Steve Meyer

Steve Meyer is the assistant vice president of high risk and investor compliance for Safeguard. In this role, Steve is responsible for managing our clients’ conveyance processes, Safeguard’s investor compliance team and developing our working relationships with cities and municipalities around the country. He also works directly with our clients in our many outreach efforts and he represents Safeguard at a number of industry conferences each year.

Steve joined Safeguard in 1998 as manager over the hazard claims team. He was instrumental in the development and creation of policies, procedures and operating protocol. Under Steve’s leadership, the department became one of the largest within Safeguard. In 2002, he assumed responsibility for the newly-formed high risk department, once again building its success. Steve was promoted to director over these two areas in 2007, and he was promoted to assistant vice president in 2012.

Prior to joining Safeguard, Steve spent 10 years within the insurance industry, holding a number of positions including multi-line property adjuster, branch claims supervisor, and multi-line and subrogation/litigation supervisor. Steve is a graduate of Grove City College.

x

AVP, Operations

Jennifer Jozity

Jennifer Jozity is the assistant vice president of operations, overseeing inspections, REO and property preservation for Safeguard. Jen ensures quality work is performed in the field and internally, to meet and exceed our clients’ expectations. Jen has demonstrated the ability to deliver consistent results in order audit and order management.  She will build upon these strengths in order to deliver this level of excellence in both REO and property preservation operations.

Jen joined Safeguard in 1997 and was promoted to director of inspections operations in 2009 and assistant vice president of inspections operations in 2012.

She graduated from Cleveland State University with a degree in business.

x

AVP, Finance

Jennifer Anspach

Jennifer Anspach is the assistant vice president of finance for Safeguard. She is responsible for the company’s national workforce of approximately 1,000 employees. She manages recruitment strategies, employee relations, training, personnel policies, retention, payroll and benefits programs. Additionally, Jennifer has oversight of the accounts receivable and loss functions formerly within the accounting department.

Jennifer joined the company in April 2009 as a manager of accounting and finance and a year later was promoted to director. She was named AVP of human capital in 2014. Prior to joining Safeguard, she held several management positions at OfficeMax and InkStop in both operations and finance.

Jennifer is a graduate of Youngstown State University. She was named a Crain’s Cleveland Business Archer Award finalist for HR Executive of the Year in 2017.

x

AVP, Application Architecture

Rick Moran

Rick Moran is the assistant vice president of application architecture for Safeguard. Rick is responsible for evolving the Safeguard IT systems. He leads the design of Safeguard’s enterprise application architecture. This includes Safeguard’s real-time integration with other systems, vendors and clients; the future upgrade roadmap for systems; and standards designed to meet availability, security, performance and goals.

Rick has been with Safeguard since 2011. During that time, he has led the system upgrades necessary to support Safeguard’s growth. In addition, Rick’s team has designed and implemented several innovative systems.

Prior to joining Safeguard, Rick was director of enterprise architecture at Revol Wireless, a privately held CDMA Wireless provider in Ohio and Indiana, and operated his own consulting firm providing services to the manufacturing, telecommunications, and energy sectors.

x

AVP, Technology Infrastructure and Cloud Services

Steve Machovina

Steve Machovina is the assistant vice president of technology infrastructure and cloud services for Safeguard. He is responsible for the overall management and design of Safeguard’s hybrid cloud infrastructure. He manages all technology engineering staff who support data centers, telecommunications, network, servers, storage, service monitoring, and disaster recovery.

Steve joined Safeguard in November 2013 as director of information technology operations.

Prior to joining Safeguard, Steve was vice president of information technology at Revol Wireless, a privately held wireless provider in Ohio and Indiana. He also held management positions with Northcoast PCS and Corecomm Communications, and spent nine years as a Coast Guard officer and pilot.

Steve holds a BBA in management information systems from Kent State University in Ohio and an MBA from Wayne State University in Michigan.

x

Assistant Vice president of Application Development

Steve Goberish

Steve Goberish, is the assistant vice president of application development for Safeguard. He is responsible for the maintenance and evolution of Safeguard’s vendor systems ensuring high-availability, security and scalability while advancing the vendor products’ capabilities and enhancing the vendor experience.

Prior to joining Safeguard, Steve was a senior technical architect and development manager at First American Title Insurance, a publicly held title insurance provider based in southern California, in addition to managing and developing applications in multiple sectors from insurance to VOIP.

Steve has a bachelor’s degree from Kent State University in Ohio.