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Hurricane Damage to Your Property

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Hurricane Damage to Your Home or Business

  • There have been 56 weather and climate disasters in the U.S. in the past three years (2019 to 2021) with losses exceeding $1 billion.
  • The total approximate cost of damages from weather and climate disasters since 1980 is $2.155 trillion
  • In 2021 alone, the U.S. experienced over $20 billion in climate disasters.

What Happens During a Hurricane?

A hurricane is a powerful force that combines high winds and heavy rain to wreak havoc on communities. The wind can destroy power lines and buildings, while the flooding can cause extensive water damage. Hurricanes can level buildings, tear off roofs, and cause unseen damage to a structure’s integrity and systems. Even doors and windows that appear undamaged may start leaking during the next rain event. The strength of hurricanes is classified on a scale ranging from Category 1 to Category 5, with the latter causing catastrophic damage that can render an area uninhabitable for days or longer. While tropical storms are less powerful than hurricanes, they can still be incredibly destructive, so it’s important to prepare for them as well.

The effects of hurricanes extend beyond the physical damage they cause. They can also lower production and increase unemployment in affected areas, making them one of the most difficult natural disasters to plan for. They can cause more damage than earthquakes, wildfires, or tornadoes, particularly because of the flooding that can lead to long-term issues and prevent people from returning to their homes and businesses for extended periods. Some of the costliest hurricanes in recent history include Katrina, Harvey, Maria, and Sandy, with damages totaling in the billions of dollars.

However, if you live in a hurricane-prone area, you shouldn’t be intimidated by these figures. Instead, use them as motivation to prepare well by getting insurance, documenting your property and belongings, and having a plan in place. It’s also important to learn more about how public adjusters can help with insurance claims in the aftermath of a hurricane. With the right preparation and resources, you can weather the storm and recover as quickly as possible.

Hurricane Preparation

Approximately 1.2 billion Americans live in coastal areas that are at risk of hurricane damage, making it crucial to prepare before a natural disaster occurs. This includes knowing what to do when a hurricane or tropical storm is headed your way, but it’s even more important to plan ahead as much as possible. Preparation should involve understanding how and when to evacuate, stocking up on supplies, and securing your property, including vehicles. A more advanced technique is to document everything in your house and other assets before the storm arrives. It’s easy to do this with a smartphone by taking detailed pictures and videos of everything inside and outside. This documentation can save you a lot of trouble and make it easier for you and your public adjuster to deal with your insurance company after the storm. Failure to document could cost you hundreds or thousands of dollars. Keep in mind that insurance companies have different policies for “named” storms, and aid from the federal government may take a long time to arrive. Therefore, it’s essential to be familiar with what a public adjuster does and have their contact information on hand before a hurricane strikes.

Don't battle your insurance company without consulting a public adjuster.
You could be leaving a significant amount of compensative reward money on the table.