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MortgagePoint » Your Trusted Source for Mortgage Banking and Servicing News 38 September 2025 S P O N S O R E D C O N T E N T Turning Risk into Readiness: WHAT TOP CATASTROPHE MANAGEMENT PROGRAMS OFFER SERVICERS As disaster events intensify, mortgage servicers must demand more from their insurance partners and redefine what true catastrophe readiness looks like. B y J O H N R O H R B AC H C atastrophic weather events are no longer an occasional disruption—they are a recurring reality. For mortgage servicers, the stakes are rising as weather- driven events grow in both frequency and severity. And while hurricanes still dominate headlines, the real picture is broader and more complex. Severe convective storms, inland flooding, and wildfires are affecting more regions and more borrowers than ever a. In 2024 alone, the U.S. endured 27 distinct weather and climate disasters, each with losses exceeding $1 billion. Hurricanes Helene and Milton accounted for $113 billion in combined damages. Already in 2025, the Palisades and Eaton-Altadena Wildfires have dev- astated California communities, with severe flooding and storms across the United States adding to the toll. Beyond damaged properties, catastrophic events are disruptive to the impacted borrowers and servicing oper- ations. For servicers, the solution lies in choosing an insurance tracking provider that's more than a vendor. They need a partner with a comprehensive catastro- phe management program that is built on insight, agility, and compassion. Anticipating Risk: The Power of Pre-Event Planning T rue preparedness begins well before the storm hits. Leading insurance tracking providers leverage geocoded mapping and predictive ana- lytics to help servicers prepare. By overlaying catastrophe event forecasts against a servicer's mortgage portfolio, providers can deliver detailed, pre-event reports that identify specific properties at risk. This intelligence gives servicers a head start: mobilizing inter- nal teams, notifying at-risk borrowers, and preparing mitigation strategies. In an environment where hours can make a difference, this kind of lead time is critical. Post-Event Response: Speed, Scale, and Sensitivity A fter the event, response speed is vi- tal, but so is the quality of borrower support. Servicers should expect their provider to deliver both. Providers affiliated with major insurance carriers bring the scale and resources needed to provide timely, robust support. They have integrated claims systems, licensed adjuster net- works, and national infrastructure. This enables faster, more organized recovery operations. In severely affected areas, mobile claims centers provide borrowers with immediate, in-person assistance. These physical hubs serve as recovery lifelines, allowing borrowers to initiate claims, ask questions, and get reassurance when access to digital tools may be out of reach. Meanwhile, the ability to rapidly deploy experienced adjusters and leverage advanced technology shortens J O H N R O H R B A C H is Executive Director of Product at National General Lender Services, a leading pro- vider of lender-placed insurance and services. As part of the Allstate family of companies, the organi- zation delivers a best-in-class catastrophe management program that helps mortgage servicers anticipate risk, accelerate response, and support borrowers when it matters most. Known for award-winning customer care, advanced technology, and a strong commitment to regulatory compli- ance, National General Lender Services is a trusted partner in protecting portfolios and strengthening borrower relationships.