Get Ready for 2024’s Big Hurricane Season

2024 is predicted to be a busy season for hurricanes.

According to this New York Times article:

Phil Klotzbach, a researcher at Colorado State University, said in his team’s annual forecast on Thursday that they expected a remarkably busy season of 23 named storms, including 11 hurricanes — five of them potentially reaching major status, meaning Category 3 or higher. In a typical season, there are 14 named storms with seven hurricanes and three of them major.

Dr. Klotzbach said there was a “well above-average probability” that at least one major hurricane would make landfall along the United States and in the Caribbean.

So, let’s look at what you can do to get ready.

Prepare Your Property

To prepare your property for the hurricane season:

  • Fortify your home: Check the condition of your roof and windows. If needed, make repairs or upgrades to ensure they can withstand high winds.
  • Install flood defenses: Elevate electrical systems, install sump pumps with battery backup, and consider flood barriers.
  • Prepare your landscaping: Clear rain gutters, secure or store outdoor furniture and decorations, and remove any debris that could become projectiles.
  • Have emergency supplies: Assemble a kit with essentials like water, non-perishable food, medications, flashlights, and batteries.
  • Create an evacuation plan: Familiarize yourself with local evacuation routes and have a communication plan with family members.

For detailed guidelines, it’s always good to consult local authorities or experts on hurricane preparedness.

Review Your Insurance Coverage

Check your insurance policy and details before the season begins. Make sure you have the coverage you need:

  • Coverage Details: Ensure you understand what types of damage are covered. This may include wind, water, or other storm-related damage.
  • Exclusions: Be aware of what’s not covered. Standard policies often exclude flood damage, which requires separate flood insurance.
  • Limits and Deductibles: Confirm the limits of what the policy will pay for a covered loss and understand the deductibles you’ll be responsible for.
  • Update Information: If you’ve made significant purchases or improvements to your home, update your policy to reflect these changes to ensure adequate coverage.
  • Documentation: Keep an inventory of your possessions and their value, as it will be vital for claim processing.

Speak directly with your insurance provider to clarify any uncertainties.

If you need to make a claim, follow these steps

When making a claim after hurricane damage:

  1. Immediate Documentation: As soon as it’s safe, document all damages with photos and videos. This visual evidence is crucial for your claim.
  2. Emergency Repairs: Make temporary repairs to prevent further damage, keeping all receipts as proof for your claim.
  3. Consider Hiring a Public Adjuster: We look after all the paperwork, communicate with the insurance company, and do the negotiation for you.  You can learn more about our services here, book a call online or call us directly at: 1-954-874-3563.

If you’d prefer to file the claim yourself:

  1. Claim Filing: Notify your insurer to start the claims process as early as possible. Be precise about the damages sustained.
  2. Detailed Inventory: Provide a detailed list of damaged or lost items, their age, and the replacement cost.
  3. Follow Up: Stay proactive in communicating with your insurer throughout the claims process.

For a more detailed description of the entire claims process, see this article: How to File a Property Insurance Claim

Filing a property damage claim is complex and can be emotionally taxing. Capital Claims Group can help!

Remember, you can engage a professional public insurance adjuster at any time in this process to assist you with completing the paperwork, managing the process, and negotiating settlement.

Each claim is unique, and the process can vary based on the extent of the damage and your specific policy terms.

As your claims adjuster, we’re here to guide you through each step, ensuring a smooth and effective claim process.

Our expertise, coupled with our commitment to empathy, service, and diligence, ensures that your claim is handled professionally and thoroughly. Call us for a free policy review and consultation at (954) 874-3563 or book an appointment online: contact us