北卡罗来纳州西部的部分地区出现了大量树木倒伏、围栏损毁的情况，不少住宅、商铺及车辆也出现屋顶受损现象，同时还发生了洪水和龙卷风。
Lots of trees and fences were down with some roof damage to homes, businesses and vehicles, as well as flooding and tornadoes in parts of western North Carolina.
总体而言，10月9日周五夜间在佛罗里达州狭长地带登陆的飓风“艾萨亚斯”所造成的保险损失并未如预期般严重——其损失规模仅相当于2018年袭击艾萨亚斯登陆点以东地区的5级飓风“迈克尔”的十分之一左右。
But overall, the insured losses from Hurricane Isaias, which made landfall in the Florida Panhandle Friday night, Oct. 9, are shaping up to be less than feared—and about one-tenth as costly as 2018’s Hurricane Michael, a Category 5 storm that hit east of where Isaias came ashore.
2018年时，飓风“迈克尔”给佛罗里达州的保险公司带来了约90亿美元的理赔支出，换算成如今的币值则约为120亿美元。
Michael cost insurers about $9 billion in Florida claims in 2018, or about $12 billion in today’s dollars.
“照此推算，艾萨亚斯造成的损失大概在10亿美元左右，算得上是一次‘十亿美元级’的风暴。”总部位于佛罗里达州的Security First Insurance公司总裁梅丽莎·伯特·德弗里斯说道。她的估算数据部分参考了飓风建模与分析机构Karen Clark & Co.的评估结果。
截至周二，保险分析机构Verisk预计，这场风暴将在其途经的所有地区造成10亿至20亿美元的保险损失。
“So, about a tenth of that would make Isaias a billion-dollar storm,” said Melissa Burt DeVriese, president of Florida-domiciled Security First Insurance. She based her numbers partly on estimates from Karen Clark & Co., the hurricane modeling and analytics firm. By Tuesday, Verisk, the insurance analytics firm, estimated that the storm will result in $1 billion to $2 billion in insured losses, for all areas in the path of the storm.
截至周一，佛罗里达州保险监管局尚未公布正式的理赔数据。该机构给各保险公司设定了两个申报截止日期：10月13日和10月15日，要求它们使用简化版的灾害理赔申报表格上报相关数据。
Official claims numbers had not yet been reported Monday by the Florida Office of Insurance Regulation. The office has given insurers two deadlines: Oct. 13 and Oct. 15, to report claims data using the simplified catastrophe reporting form.
艾萨亚斯是大西洋飓风季的首个登陆飓风，它以2级飓风的强度在佛罗里达州度假胜地德斯廷附近登陆。气象部门及当地官员此前预计，由于德斯廷处于飓风东侧眼壁的路径上——而历史上该区域往往会出现最强风速与最高风暴潮——因此当地将承受最严重的风灾与风暴潮影响。
Isaias was the first hurricane of the Atlantic season when it came ashore as a Category 2 hurricane near the resort city of Destin, Florida. Weather services and local officials had expected the Destin area to take the brunt of the wind and storm surge since it was in the path of the eastern eyewall, which historically has proven to be where the strongest winds and surge are found.
不过，这场上周初在墨西哥湾意外形成的风暴颇为特殊：其最大风速达到了每小时117英里，出现在风暴眼西侧的彭萨科拉地区；与此同时，风暴引发的海水涌浪却相对较弱。新闻与气象报道指出，一种极为罕见的“刺状急流”现象可能起到了作用——这种气流从北方吹向风暴眼西侧，带来了猛烈的阵风，从而抑制了墨西哥湾及附近海湾的海水涌浪。
But the storm, which had spun up unexpectedly in the Gulf of Mexico early last week, proved to be unusual: It brought its highest recorded winds—117 mph—to the Pensacola area, on the western side of the eye, along with relatively small storm surge. News and weather reports suggested that rare “sting jet” winds may have played a role, sending violent gusts along the western side of the eye, but from the north, helping to tamp down storm surge in the Gulf and nearby bay and sound.
据新闻报道，倒伏的树木导致佛罗里达州、阿拉巴马州、乔治亚州和密西西比州超过67万户家庭断电。另有4人因树木倒下或被发电机排放的废气毒害而不幸身亡。
Downed trees knocked out power to more than 670,000 customers in Florida, Alabama, Georgia and Mississippi, according to news reports. Four people died in the storm, from falling trees or unventilated generators.
保险行业代表、代理人及理赔专员周一表示，目前收到的保险索赔案例在数量与严重程度上均相对有限。
Damage and claims reported by insureds have been relatively modest in number and severity, insurance carrier representatives, agents and adjusters said Monday.
“目前我们收到的索赔大多都未达到免赔额标准，”为彭萨科拉周边多处公寓楼提供保险服务的经纪公司CBIZ的社区协会事务全国总监马特·默西尔说道。
“So much of what we have seen has been below the deductible,” said Matt Mercier, national director of community associations for CBIZ, an insurance brokerage that handles a number of condo properties near Pensacola.
周一上午，多家保险公司的管理层与理赔负责人齐聚德斯坦的理赔服务中心。由于前来办理业务的投保人寥寥无几，他们于下午早些时候便转往彭萨科拉。在西佛罗里达大学校园内的彭萨科拉理赔中心，14家保险公司与佛罗里达州金融服务部的代表共同设立了移动理赔服务点。然而，前来办理业务的客户依然不多。
Insurance carrier executives and claims managers gathered at an insurance claims village in Destin Monday morning. With so few policyholders showing up, they moved on to Pensacola by early afternoon. At the Pensacola insurance hub on the campus of the University of West Florida, 14 carriers set up mobile claims-handling spots, alongside representatives from the Florida Department of Financial Services. But few clients stopped by.
总部位于佛罗里达州的人民信托保险公司灾难应对业务主管卡洛斯·马丁内斯称，该公司在佛罗里达狭长地带约有8000名投保人，目前仅收到400余份索赔申请。环球财产与意外险公司的代表则表示，该公司在该地区拥有约2万份保单，目前收到的索赔申请约为3000份。
People’s Trust Insurance was there and saw just over 400 claims in the Panhandle region, out of about 8,000 insureds, said Carlos Martinez, director of catastrophe operations for the Florida-based insurer. Universal Property & Casualty Insurance representatives said the company had fielded about 3,000 claims on about 20,000 policies in the region.
截至周一下午，Security First保险公司共收到约300份理赔申请，而该公司在泛汉德尔地区承保的保单总数约为15,000份。其中仅有约5份申请被认定为涉及严重程度的房屋损坏。
Security First reported about 300 claims by Monday afternoon, out of about 15,000 policies in force in the Panhandle area. Only about five of those were considered to have severe levels of damage.
“这次飓风规模不算大。但如果自家房屋被树木砸中，那可绝不是小事，”德弗里斯说道，“正因如此我们才来到这里，必须为客户提供帮助。”周一，德弗里斯与Security First团队的六名成员一同前往彭萨科拉北部的住户丽莎·库克家中查看受损情况。一棵大树砸穿了屋顶，导致屋顶结构及阁楼受损。库克一家及时提交了理赔申请，并称在24小时内便有理赔专员、屋顶维修公司赶至现场，还及时搭上了防水篷布。
“It was a smaller hurricane. But it’s not a small thing if it’s your house that gets hit by a tree,” said DeVriese. “That’s why we’re here. We have to be here for our clients.”DeVriese and six members of the Security First team showed up Monday to look at the damage to policyholder Lisa Cook’s home on the north side of Pensacola. A tree had fallen through the roof, causing damage to the roof structure and the attic. The Cooks reported the claim promptly and said they had an adjuster, a roofing company and tarp in place within 24 hours.
当地其他居民反映，部分投保人称有身穿屋顶维修公司制服并印有公司标志的人员挨家挨户敲门，承诺保险公司会全额赔付房屋重建费用。
Others in the area reported that a few insureds have said a roofing company and public adjusters—wearing the roof firm’s shirt and logo—have been knocking on doors, promising that carriers will pay full replacement costs.
“我告诉他们：‘把这些人打发走。咱们先向保险公司确认哪些损失在承保范围内。’”凯莉·赛勒说道。她与他人共同经营位于彭萨科拉29号美国国道旁的赛勒保险代理公司。
“I said, ‘Shoo them away. Let’s check with your insurance company first on what’s covered,'” said Kelly Siler, who co-owns the Siler Insurance Agency on U.S. Highway 29 in Pensacola.
飓风过后三天，尽管赛勒代理公司的办公室仍未恢复供电，但两位老板始终坚守岗位，随时准备为客户提供帮助。早在风暴来临前，他们便在店铺橱窗上张贴了所有合作保险公司的理赔热线电话。
Although the Siler agency office was still without electrical service Monday, three days after the tempest passed, the owners were on site, ready to assist policyholders. And before the storm hit, the Silers had posted claims phone numbers on their front window for all the carriers the agency is appointed with.
“我们还有所有投保人的纸质档案，即便停电且电脑无法使用，我们也能为他们提供帮助——我们可是老派作风啊！”赛勒笑道。
“We also have paper files on all insureds, so we can help them even with the power and the computers down—we’re old school!”Siler said.
彭萨科拉海湾海岸保险代理公司的老板玛丽·乔丹称，目前联系她的客户数量相对较少。她自家位于海湾半岛上的住宅并未受损，但船库及部分出租房屋的屋顶损坏严重。“没错，那些出租房屋确实投保了住宅火灾险，”乔丹说道。
Mary Jordan, owner of Gulf Coast Insurance agency in Pensacola, said she had heard from relatively few policyholders. Her own home, on a peninsula that juts into a bay, escaped damage. But the boat house and some rental property saw considerable roof damage. “Yes, we have dwelling-fire coverage” on the rental property, Jordan said.
或许最令镇上居民议论纷纷的受损区域就在彭萨科拉市郊外。位于彭萨科拉海滩的波托菲诺岛度假村是一座大型高层公寓群，在艾萨亚斯飓风的侵袭下，大量窗户被损毁。
Perhaps the areas of damage that had people around town buzzing about the most were just outside Pensacola. At Portofino Island Resort, a massive, high-rise condominium complex on Pensacola Beach, lost many of its windows during the winds of Isaias.
社交媒体上流传的无人机拍摄画面显示，两栋公寓楼的卧室区域如今完全暴露在风雨中，原本的玻璃窗与门均已不见踪影。一位保险经纪人表示，窗户被吹破的情况令人意外，但目前尚不清楚这些大楼是否安装了抗飓风型窗户。
Drone video posted on social media showed bedrooms in two towers now exposed to the elements, with plate-glass windows and doors completely vanished. One insurance broker said it was surprising that the windows had blown out, but it was unclear if the towers had been built with hurricane-resistant windows.
周一，记者未能联系上波托菲诺岛度假村的管理方及保险代理进行置评。该管理公司在官网上称，目前已暂停接待新住客。
Portofino management and the resort’s insurance agents could not be reached for comment Monday. On its website, the management company said that new guest arrivals had been suspended.
在彭萨科拉东北部，米尔顿市也遭受了强风袭击，最大风速达每小时110英里。米尔顿高中体育馆的屋顶大面积受损；附近一处公寓楼的屋顶也有大片被掀飞。据社交媒体及当地新闻报道，米尔顿市的Quick Stop便利店与加油站也遭受了严重破坏。
Northeast of Pensacola, the city of Milton also saw significant winds during the storm, up to 110 mph. The Milton High School gymnasium had much of its roof damaged. A huge section of roof was lifted off a nearby apartment complex. The Milton Quick Stop convenience store and gas station suffered heavy damage, according to social media and local news reports.
基思·赛勒指出，此次艾萨亚斯飓风造成的破坏程度虽超过2020年袭击该地区的萨莉飓风，但仍不及2004年造成大范围破坏的伊万飓风。周一深夜，彭萨科拉市仍能听到发电机与电锯的声响。
Isaias was deemed more damaging than Hurricane Sally, which hit the area in 2020, but less than Hurricane Ivan, which caused widespread destruction in 2004, Keith Siler noted. The sounds of generators and chain saws could still be heard in Pensacola late Monday evening.
顶部照片：彭萨科拉市中心一处住宅的阳台坍塌。（IJ摄影）这篇文章对您有帮助吗？以下是您可能感兴趣的其他文章。
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