Devastated: Missing Persons in Natural Disasters

Devastated: Missing Persons in Natural Disasters

natural disastersMany individuals who lived through natural disaster in the year 2018 lost loved ones to violent forces of nature. National news has been inundated, not only with updated death totals, but also long lists of names belonging to individuals who went missing during the disaster. The initial report in a missing persons case is a springboard for many complicated processes and procedures conducted by law enforcement and private investigators. Every relevant piece of information about the missing person must be collected, their last known whereabouts searched. If law enforcement determines the person is in immediate danger, or if they’re a minor, search teams are dispatched to the surrounding areas. The family makes themselves sick with worry. Spreading like a crack in a dam, the web of processes that stem from the first report can cause a cacophony of confusion. Now imagine that multiplied by five, or ten times. Or 1,276 times.

At its peak, that was the highest estimated number of missing persons during the coverage of California’s Camp Fire. Often, stories about mass groups of people vanishing are couched in mystery, intrigue, or even the paranormal, like the disappearance of the infamous Roanoke Colony that vanished off the coast of present-day North Carolina. Or Flight 370 of Malaysia Airlines, which was carrying 239 passengers and crew to Beijing when it mysteriously went missing over the South China Sea in 2014. In 2018, however, instances of long lists of missing persons following a single event have been instigated by tragedy—not intrigue.

State officials addressing this number have assured the public this number is an overestimation. One of the most complicated aspects of searching for missing persons during and after a natural disaster is the major breakdown in communication. During a natural disaster, individuals will often report loved ones missing when they are unable to contact, which could be for a myriad of reasons (downed power lines, lack of Wi-Fi, displacement, injury, etc.) After a few days, the loved one is able to establish a lifeline and is able to reach out to their family and friends. State officials claim  the reporting individuals often do not call to follow up with emergency operations teams to let them know their loved one has been located.

hurricane michael Like in cases of individuals going missing, survivors of Hurricane Michael have had to turn to crowdsourcing in order to track down missing loved ones, an effort crippled by a devastated infrastructure and incapacitated communication systems. Police departments have become inundated with missing persons reports and individuals are turning to multiple entities in order to get answers to the whereabouts of their loved ones—individuals like Tracey Stinson of Fort Walton Beach. Her father lived in Youngstown at the time of the hurricane, and had not heard from him in many days. “I actually tried calling a store he shops at that’s near his home that was gone. So I was unable to reach them so then the next step was contact the sheriff’s office. I just kept calling every several hours to see if I could catch them with a phone line that was operating and there was no luck.”

Desperate parents and loved ones also combed Facebook for news or tips, and implored others for any information they might have about missing loved ones. Despite a classification of a Category 4 storm, there were many in the panhandle who doubled down inside their homesteads, rather than evacuate.

One of these people was Nicholas Sines, who lived in Panama City. His mother, Kristine Wright, begged him to go to a shelter before the storm ripped through the city. But Nicholas was steadfast, “I’m staying here.” Kristine went six days without hearing from her son before she took to Facebook, imploring other users to share any information they might have. “I’m not sleeping, I’m not eating,” she told The New York Times. “As his mother, my heart hurts.” It goes beyond earnest timeline posts and comments, however.

crowdsourcing missing person In 2014, following the terrorist attacks on Paris that claimed 129 lives, Facebook launched what’s known as its Safety Check Feature. The Safety Check Feature is turned on by Facebook administrators in the wake of any type of displacement disaster, whether it be natural or at the hands of man. The system sends out a notification to users in the effected area, prompting users to mark themselves as “safe,” if they are able. This action places an item in the user’s feed that will alert others on their friends list that they are okay.

Social media is not the only recourse for those desperate to get in touch with a missing loved one in the wake of a natural disaster. Platforms like CrowdSource Rescue have been connecting concerned individuals with their loved ones living in areas effected by natural disasters. It allows citizens to file a report for a missing person, which places their data on a map that directs rescue teams to the most affected areas. Company co-founder, Matthew Marchetti, told NPR, “We’re like a ride share company for disasters.”

Camp Fire Unfortunately, hurricanes were not the only natural disaster erasing entire communities in 2018. In a gross irony, the town of Paradise, California was reduced to a pile of smoldering rubble after it was consumed by a behemoth wildfire. The pictures of the devastation are truly haunting, evoking scenes from post-apocalyptic Hollywood films. Before the blaze erupted, Paradise was a town of around 27,000 people. It’s beautiful sights and small-community atmosphere made it a popular place for retirees to begin the third act of their lives. As such, a majority of the remains pulled from the debris and wreckage were found to be retirement age or older.

The California Camp Fire will go down in the history books as the deadliest and most devastating wildfire the nation has ever seen. Officials have only recently announced the fire has been 100% contained with fire-lines. It burned 150,000 acres (ten times the size of Manhattan), claimed the lives of 85 Californians, and left thousands displaced and homeless in tent cities. In the chaos, 200 people are still unaccounted for. In the past few weeks some reports listed the number of missing as high as 1,276 on November 17th, but just like the circumstances during Hurricane Michael, that number dropped dramatically once displaced Californians were able to find a line of communication to their families.

Investigators have been working for months attempting to identify the source of the California Campfire, but no single cause has yet to be determined. Meanwhile, rescue officials are still sifting through the rubble. Kory Honea of the Butte County Sheriff’s Department told the Huffington Post that they could not say with certainty how long the search will take, “My sincere hope is the majority of people on that list…will be accounted for.”

The dramatic drop in the number of missing is not unlike that of the Sonoma County Tubbs Fire in 2017. The number of missing during the Tubbs Fire was almost double that of the Camp Fire, but dropped to just 22 as individuals were located or found deceased. However, during the Tubbs Fire, search and rescue officials opted not to publish the names of those feared missing under caution during a disaster that was constantly in flux. Kory Honea had a different mindset: Publishing the list meant drawing out information from the public that could help officials whittle the list of missing from a sequoia down to a splinter. When questioned about whether or not possible inaccuracies on the list might cause issues, Honea said, “I can’t let perfection get in the way of progress. It is important for us to get the information out so we can get started identifying these individuals.”

Identification of the remains found is a grueling process, not only for officials involved in Camp Fire, but any natural disaster in the United States. Officials in paradise have collected DNA samples from those who tragically perished in the inferno, but are left with little recourse to identify them without help from the public. Jim Davis, the Chief Federal Officer of ANDE told ABC, “The only way we can identify those people is to have family members submit reference samples so we can match the two.” At the Family Assistance Center in Paradise, ANDE collected 68 family donor samples, but it’s nowhere near enough. Hundreds of family samples will be needed in order to confirm victims’ identities. Davis attributes the community’s hesitance towards this identification measure to the bleak confirmation of their loved one’s tragic demise, “As we’ve collected samples from people, you know we see this emotion that comes with accepting the possibility that their loved ones are gone.”

Since the development of DNA forensic technology, mass collection and catalog of DNA samples has been the subject of privacy debate. While everyone has a right to privacy, there are monumental benefits to a large database of DNA samples that go beyond victim identification. As such, legal professionals at Fordham University issued a report proposing principles that find the middle in the DNA privacy debate. The abstract reads:

“The report offers a roadmap to the legal and policy issues surrounding privacy and missing persons following natural disasters. It provides strategies that humanitarian organizations, private sector organizations, volunteers, and policymakers can pursue to help those affected by major natural disasters… the report recommends that those developing technologies to share information about missing persons implement design principles that carefully balance privacy consistent with existing legal obligations. The report also calls on privacy policymakers, legislators, and regulators to take steps to clarify how privacy rules apply to missing persons activities in identified key areas so that missing persons activities can proceed without the threat of legal liability.”

Rescue officials have the monumental task of containing a natural disaster, searching the effected area for victims of its fatal destruction, and finally giving names to the remains—a process that can take weeks or even months. Meanwhile, Americans across the nation wait with bated breath for information about their loved ones living in or around Paradise, California. Relief organizations from FEMA to the Red Cross have online resources with steps private citizens can take to find information about missing persons after a natural disaster. While the reality of submitting one’s DNA for identification purposes might impose an emotional toll that’s too great for some, it is one of the most effective way to get definitive answers. Families can find closure in knowing the fate of their lost relative or friend.

The Red Cross offers many tips and strategies for locating and reaching out to loved ones that go beyond the straightforward. In addition to calling other family members and utilizing social media tools, individuals are also encouraged to call or visit places their loved one was known to frequent, like Tracey Stinson did when she asked around at her missing father’s usual grocery store. Resources also recommend calling during off-peak hours to increase their chances of getting through to an operator or official.

Following Camp Fire, many families and single individuals spent their Thanksgiving in warehouses, shelters, and tent cities in grocery store parking lots, with everything they own in a few small suitcases. For many, there is no home to return to when the natural destruction is finally snuffed out. According to relief organizations throughout the United States, the name of the game now is reunification—doing whatever is possible to reconnect those displaced by tragedy to their remaining loved ones. For example, one of the many reunification resources offered by FEMA is a collaborative effort with the National Center for Missing and Exploited Children, supporting all measures to return minors under the age of 21 to their parents or guardians. The American Red Cross has a similar database project called Safe and Well, which is an online database designed to help reunited families. Regardless of the scale of the disaster, Safe and Well is administered 24 hours a day, 365 days a year, and works closely with the local Red Cross Chapter of the area in question. While many will experience the miracle of reunification, the terrible reality is that so many more will be left with unanswered questions.

Carie McMichael is the Communication and Media Specialist for Lauth Investigations International. She regularly writes on investigation and missing persons topics. For more information, please visit our website.

How to File an Insurance Claim for a Missing Person

How to File an Insurance Claim for a Missing Person

The FBI’s National Crime Information Center (NCIC) contains over 89,000 active missing persons cases (as of May 2018). That’s over 89,000 families who are left with a gaping hole in their lives and in their households—missing fathers who taught their children to ride bikes and were never too busy to help out with a science project—mothers who made PB&J sandwiches just right, and never forgot to leave the hall light on. Most notably, many families are left without half of their household income when a parent or guardian goes missing. The missing person may have set up a life insurance policy to ensure their families would be cared for in the event of their death, but stymied law enforcement have recovered no remains, so the insurance company refuses to pay out. The family is left without any soil to begin filling the hole where the missing loved one once stood.  

The emotional roller coaster that ensues when a loved one goes missing is fraught with fear, confusion, and desperation for answers. Every waking moment, you wring your hands, hoping the loved one is safe and simply unable to communicate for rational reasons. Days go by—you cooperate with investigators and give them all the available information you have on the missing person. Weeks pass, but life goes on, even amidst a tragedy. When you consider the financial ramifications of picking up after a partner or spouse vanishes, the numbers are discouraging. A 2012 report by Legal Momentum determined the median income for two-parent families was $89,455. The median income for a single mother household was $25,493, while a single father’s income is $36,471. Those single parent incomes account for 31% and 40% of the two-parent income, respectively. How is a single parent suddenly supposed to take care of their family when nearly half their household income evaporates following the disappearance of their partner or spouse?  

In the days or weeks following the death of a parent or loved one, the beneficiary of their life insurance policy will contact the company and submit a death certificate to prove the owner of the policy is deceased. In the case of a missing person, there is no death certificate without first coordinating what is called a “presumption of death.” The Indian Evidence Act, Section 108 states presumptions of death can only be made when a person has been missing for at least seven years from the date of the initial missing persons report. This is known as the First Information Report (FIR). After the mandatory period has passed, the beneficiary may receive the claim.

In addition to the too-familiar scenarios normally surrounding missing persons—people who run away, people who are abducted, people who fall off of cruise ships or disappear from trails in national parks, etc.—other events that often fall under this legislation are missing persons who vanish during the calamity of natural disasters, such as tornadoes or hurricanes. After the flood that devastated Uttarakhand in 2013, P Chidabaram, the Finance Minister of India, asked the country’s largest life insurance provider, Life Insurance Corporation of India, to waive the traditional seven year period, having the company sign indemnity bonds so claims could be closed swiftly. The 2018 Atlantic hurricane season was particularly devastating, with two of the total eight hurricanes rated a category three or above. Hurricane Michael tore through the Florida panhandle like tissue paper, blowing Mexico Beach completely off the map. Initially, 285 people were unaccounted for in the town’s population, but was later reduced to 46 as residents were either located post-evacuation, or rescued from the wreckage. The California Camp Fire has killed 60 people to date—the deadliest in history—has displaced thousands of families attempting to outrun the flames, with many unable to contact their loved ones and let them know they’re safe. On November 14, 2018, the Butte County Sheriff’s Office released a list of 103 people who have been reported missing since the blaze began. “If your name is on the list, it means that someone is looking for you,” Sheriff Kory Honea said. “Let us know that you’re okay, so that we can stop our search for you and start looking for someone else.” That list has now swelled to 300 names and is expected to continue climbing.

mike williamsWorking closely with law enforcement is a major tenant of a successful claim on a missing persons’ life insurance policy, particularly on the presumption of death. The Indian Evidence Act only requires a beneficiary to wait seven years from the date of the FIR before filing the claim, but depending on where you live in the United States, law enforcement can use evidence to prove a missing persons’ death, even when a body cannot be found—for example, the case of Mike Williams, a man who went missing on a duck-hunting trip in Florida in 2000. Police found his boat floating abandoned on Lake Seminole, which prompted them to drag the lake in search of his remains. When no trace was found, authorities formed the theory Mr. Williams had fallen off the boat and was subsequently eaten by alligators. This theory of the accident explained why no body was ever recovered, allowing his widow to obtain a death certificate and collect on his $1 million-dollar insurance policy. Seventeen years after her husband was reported missing, Denise Williams was indicted on murder charges after her second husband (and Mike’s best friend), Brian Winchester confessed to killing Mike in conspiracy with his wife for the insurance money.

Law enforcement’s theory about Mike Williams disappearance created a loophole you could drive a truck through, but not all beneficiaries of life insurance policies can depend on this loophole. In some states, with the help of legal representation, beneficiaries of the missing insured can begin legal proceedings that would accelerate the issuance of a death certificate, but this comes with a much higher burden of proof, and demands a pool of evidence that would stand up to the most thorough, independent investigation procedures. In the event such evidence of death cannot be found, there is a procedure in place for those who must wait seven years following the filing of a FIR. After seven years, the beneficiary of the insured, or the heir of the insured, must submit the following documents to the insurance company:

  • Claimant’s statement form signed by the nominee of the legal heir
  • Copy of the FIR and the missing person’s report filed with the police
  • Original policy contract documents or indemnity bond
  • Copy of death certificate, or a court order presuming the person is dead after the lapse of seven years

When a loved one goes missing, a family is left in a stasis, paralyzed by their fear and ‘what-if’ games while the world selfishly continues to spin. Eventually, families need to pick up the pieces, a process eased by the financial support set up for them by the missing insured, but only if they can file a claim. If you have recently set up a life insurance policy for your family, educate them on the process of filing a claim should you go missing without a trace.