Preparing for a hurricane should begin well before you are in a storm’s path. While hurricane season is from June to November, peak storm time runs from August to late October.
Hurricanes pose serious threat of damage to property. Dealing with issues after an event pose many financial, logistical and psychological challenges such as fighting with your insurance company over fair compensation for your damaged property. A well-prepared owner can help reduce stress and speed claims processing.
Well in advance of a predicted storm, it’s important to review and make sure your property insurance policy is robust enough to fully repair or rebuild in the event of a claim. It’s important to understand what your insurance covers and what it doesn’t. Be sure to review the policy thoroughly and ask questions of your insurance agent, so you can make changes prior to a storm. Keep your policy in a secure place before and after the storm.
After the storm, it’s critical to thoroughly document your damage. At the very first opportunity, start photographing or videotaping every square inch of your property inside and out. Don’t forget the roof! Photograph damage large and seemingly insignificant to your property as well as in and around your property. Missing roof tiles or branches may later be found to have damaged your building.
After you have documented the post-storm damage, it’s your duty to do what you can to prevent additional damage to your property.