What You Need to Know About Hurricane Safety

Hurricane season, which begins in June, brings with it the threat of significant natural disasters that can lead to extensive property damage and personal risk. Understanding how to navigate the aftermath of hurricanes and tropical storms is critical for minimizing injuries.

Tips to Prevent Injuries During a Hurricane

Ensuring personal safety during a hurricane involves a proactive approach. Here are specific measures to take:

• Assess the Safety of Your Surroundings:Only venture outside after confirming with the National Weather Service that the storm has fully passed. When inspecting damage, wear sturdy footwear and protective clothing to safeguard against sharp debris and broken glass.
• Avoid Floodwaters: Floodwater can conceal hazards such as downed power lines, sharp objects, and even dangerous wildlife. Avoid entering floodwaters, as it can also be contaminated with chemical waste.
• Be Cautious with Utilities: Turn off electrical power if there is any sign of damage to your home’s wiring. Do not use electrical equipment that has been water damaged.
• Secure Drinking Water: Ensure you drinking water is safe. Following a hurricane, water supplies may be contaminated, so use bottled water or boil tap water as recommended by health officials.

Enhancing Preparedness for Hurricane Season

Hurricane season brings named storms with hurricane winds, heavy rain, and the potential for severe wind damage. The Federal Emergency Management Agency (FEMA) emphasize that preparedness is not just about building an emergency kit, but also about understanding the risks associated with hurricanes, including storm surges, high winds, and tornadoes.

• Storm Surge and Flood Insurance: Storm surge is a significant concern in coastal areas, particularly in states like Florida, where geography can amplify its effects. Homeowners and renters in these regions should consider purchasing flood insurance through the National Flood Insurance Program (NFIP), as regular home insurance does not typically cover flood damage.
• High Winds and Tornadoes: Hurricanes often bring tornadoes and high winds that can cause extensive damage to structures. Windstorms and the tornadoes that can spin off from hurricanes are unpredictable, making it vital to reinforce homes and secure outdoor objects to prevent them from becoming projectiles.
• Heavy Rain and Water Damage: Along with wind, heavy rain is a major threat during hurricanes, often leading to significant water damage inside homes. Homeowners and renters should ensure their insurance policies cover this type of damage and take proactive steps to mitigate potential flooding.

Strategies for Mitigation and Reducing Risks

Mitigation involves taking steps to reduce the damage caused by hurricanes and other natural disasters. Policyholders are advised to:

• Reinforce Windows and Doors: Install storm shutters or impact resistant windows to protect against strong winds and flying debris.
• Secure the Roof: Strengthen the roof to withstand the fury of hurricane winds, which can prevent major structural damage.
• Improve Drainage: Ensure proper drainage around the property to handle the influx of rainwater and help reduce the risk of flood damage.

Dealing with Power Outages

Power outages are a common consequence of hurricanes, which can last for days or even weeks, affecting millions of people to cope with this challenge:

• Prepare for Outages: Have backup generators or alternative light sources available and maintain a supply of non-perishable food and water.
• Safety During Outages: Use generators safely to avoid carbon monoxide poisoning and ensure that any candles or open flames used for light are monitored to prevent fires.

Managing Hurricane Insurance Claims

After ensuring personal safety, it’s crucial to address property and financial recovery. This starts with understanding and utilizing your insurance coverage effectively.

• Review Your Insurance Policy: Familiarize yourself with the specifics of your homeowner’s insurance policy and any additional hurricane or flood insurance policies you have. Know what is covered and what your deductibles are. Remember, standard homeowners’ insurance doesn’t typically cover flood damage, so participation in the National Flood Insurance Program (NFIP) might be necessary, especially if you’re in a high-risk area.
• Document Property Damage: Take comprehensive photos and videos of all damages, both to the structure and personal property. This documentation is critical when filling your insurance claim.
• Contact Your Insurance Company Promptly: Reporting your claim as soon as possible is essential. Keep a record of all communications with your insurance agent and be sure to understand the process and timeline for assessing your claim.

Legal Issues After a Hurricane

The aftermath of a hurricane can also bring about a variety of legal challenges:

• Contractor Scams: Be vigilant about hiring reputable contractors for repair work. After disasters, fraudulent contractors often prey on affected homeowners. Always check credentials and references, and never pay the full amount upfront.
• Insurance Dispute: Disagreements over the coverage of hurricane damage can escalate into legal disputes. If you believe your insurance claim has been unjustly denied or underpaid, it may be advisable to seek legal advice.
• Liability Issues: Property owners may be liable for injuries that occur on their property if they failed to take reasonable safety measures. Ensure that your property is safe for others and address potential hazards promptly.

The know-how to prepare for and respond to hurricanes effectively involves a combination of understanding the risks, enhancing home defenses, and ensuring appropriate insurance coverage. By adopting these strategies, individuals can mitigate the effects of hurricanes and safeguard their homes and families.

Related Resources:

• Water Damage and Neighbor Disputes (FindLaw's Learn About the Law)
• Insurance Claims (FindLaw's Learn About the Law)
• Tips on Handling Your Flood Insurance Claim (FindLaw's Corporate Counsel)