Hurricane Preparedness Guide: Steps to potentially avoid filing hurricane insurance claims | Daly & Black, P.C.
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Hurricane Preparedness Guide: Steps to potentially avoid filing hurricane insurance claims

At Daly & Black, P.C., we understand that Texas residents are no strangers to the threats posed by hurricanes. Given the predictions for an extremely active 2024 hurricane season, it’s crucial to be well-prepared. Proper preparation can mitigate the dangers and help you and your family remain safe, possibly avoiding filing hurricane insurance claims. This guide offers comprehensive advice on effectively preparing for hurricane season, emphasizing the importance of readiness and outlining practical steps to ensure safety.

Understand Hurricane Risks and Seasonal Timing

The first step in preparing for hurricane season is understanding the risks associated with hurricanes and the typical season timing. Hurricane season occurs from June 1st to November 30th, with peaks usually between August and early October due to warmer ocean temperatures. Texas is especially susceptible to hurricanes, with one of the most significant threats being storm surge, which can lead to devastating coastal and inland flooding.

Why the 2024 Season Will Be Highly Active

The 2024 hurricane season is forecasted to be particularly intense due to a combination of climatic factors. Transitioning from El Niño to La Niña conditions typically increases hurricane activity in the Atlantic. This shift influences atmospheric patterns and sea temperatures, favoring more frequent and possibly more severe hurricanes. Additionally, exceptionally warm ocean temperatures this year will likely enhance storm development.

Create a Detailed Safety Plan

Having a well-thought-out safety plan is critical. This plan should include:

  • Evacuation Routes: Know the safest evacuation routes and have an alternate route if the primary path is blocked.
  • Communication Plan: Establish a reliable way to stay in touch with family members if you are separated. Consider a family group chat or a designated meeting point.
  • Emergency Contacts: Have a list of essential contacts, including local emergency services, medical facilities, and a contact outside the disaster area.

Once your preparations are in place, conduct a drill to practice your evacuation route and communication plan. This practice can help reduce panic and confusion during an actual hurricane.

Strengthen Your Home

Fortifying your home to withstand hurricane forces is an integral part of preparation and can lead to lower insurance premiums and reduced damages. Key steps include:

  • Secure Windows and Doors: Install storm shutters or board up windows with plywood. Reinforce doors, particularly garage doors, to withstand strong winds.
  • Roof Inspections: Ensure your roof is in good condition and securely fastened to the structure. Consider using hurricane straps to anchor the roof to the house’s frame.
  • Clear the Surroundings: Remove or secure items in your yard that could become projectiles in high winds, such as garden furniture, decorations, and play structures.

Assemble an Emergency Kit

Having an emergency kit is vital for surviving during and after a hurricane. Prepare this kit well in advance, as many stores run out of supplies once a hurricane is announced. Your kit should include:

  • Non-Perishable Food and Water: Have at least a three-day supply of food and water per person.
  • Medications and First Aid Supplies: Include a first aid kit and a 30-day supply of any prescription medications.
  • Important Documents: Keep copies of important documents in a waterproof container. These should include IDs, insurance policies, and bank account records.
  • Power Sources: Have extra batteries and, if possible, a battery-operated radio and portable chargers for your electronic devices.

Review Insurance Coverage

Before hurricane season begins, contact your insurance claim attorney at Daly & Black, P.C. to review your property insurance and ensure it covers hurricane-related damages. Familiarize yourself with your policy’s details, including deductibles and exclusions. Consider purchasing flood insurance, as it is not typically included in a homeowner’s policy and must be obtained at least 30 days before a flooding event. Familiarize yourself with the insurance process so if a hurricane does strike, you know when to call an insurance lawyer and what to expect.

Conclusion

Preparing for hurricane season is an ongoing process that requires attention and action before, during, and after the season. By understanding the risks, creating a detailed safety plan, strengthening your home, assembling an emergency kit, and reviewing your insurance coverage, you can increase your resilience against hurricanes. Remember, the key to dealing with hurricanes successfully is preparedness.

If you’ve experienced property damage due to a hurricane in Texas, securing the compensation you deserve can be daunting. At Daly & Black, P.C., our experienced attorneys specialize in navigating the complexities of hurricane damage claims. We understand the significant impact these disasters can have on your life and are committed to helping you recover your losses efficiently and effectively. For expert guidance and dedicated representation, contact our team by calling (855) 682-3090 or filling out our secure online contact form. Contact us today and we will be ALL IN. ALL THE TIME. For you.