Every summer, the coastline of the United States, stretching from Texas to North Carolina, has to endure harsh storms and the subsequent damage comes with hurricane season. And with major storms already showing up in the Southeast, it’s the best time for insurance clients to brush up on their hurricane preparedness.
Hurricanes can ruin lives and businesses by bringing unforgiving damage to properties. By being prepared for hurricane season 2020, businesses can minimize the impact of the storms that are on their way.
Here are some things to consider:
How to Prepare for a Hurricane
From gathering a hurricane preparedness kit to running down a disaster supply kit checklist, there are many proactive ways business owners alike can better position themselves to survive hurricane season with as little damage as possible.
- Understanding the Risk: The map service center presented by FEMA shows people the flood risk for their community, which can help determine the type of damage they can expect and how they can plan to limit it.
- Assembly an Emergency Kit: An emergency kit should include a number of valuable items to help tide a business over until waters recede. From first aid supplies to flashlights, extra batteries to days of non-perishable food items, a preparedness kit should be well-rounded and well-stocked.
- Review Insurance Policies Early: With the storms already threatening, it’s the perfect time for insurance carriers to work with their clients and make sure they have the right coverage. Property and casualty insurance plans should be updated with the right amount of coverage for expected flooding, wind damage, and more. Additional flood insurance or more targeted coverage, like Specialty Property, may need to be purchased to cover excessive damage if a heavier hurricane season is expected.
- Develop a Communications Plan: Clients should know who they will contact and who’s in charge of getting in touch with authorities. A communications plan should also include an outline as to what to do and where to go if people get separated.
- Protect Documents: When disaster strikes, nothing is safe, and that includes special documentation. For a business, this could range widely, so it’s important to be diligent about this step. A business will need identification and financial documents to begin the recovery process, so important information should be safeguarded in a safety deposit box, cloud storage system, and USB devices.
While not everything can be protected against and prepared for, having an outline of what to know can help to keep people informed and educated this coming hurricane season.
About Genesee General
At Genesee, we strive to provide quality insurance solutions for the Commercial E & S sector, and we can help with your small, middle market and large excess and umbrella accounts. Our longstanding expertise has allowed us to successfully serve your clients for over three decades. Our specialized products include coverages for Transportation, Garage, P & C, Professional, Brokerage Property, Specialty Programs and many more. For more information about our products, we invite you to contact us today at (800) 282-8755.