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Hurricane Center
Your Leading Insurance Claim and Disputes
Attorneys for Over 25 Years
Hurricane Center
Your trusted resource for hurricane preparedness, storm damage recovery, and insurance claim guidance.
What Should You Do Before Hurricane Season?
Before hurricane season, you should:
- Secure your home (roof, windows, doors)
- Review your insurance policy
- Document your property and belongings
- Build an emergency kit
- Create an evacuation plan
Preparing early helps reduce damage and protects your ability to file a strong insurance claim.
Before Hurricane Season: Prepare and Protect Your Property
How Do You Prepare Your Home for a Hurricane?
To prepare your home for a hurricane:
- Install storm shutters or board up windows
- Inspect and reinforce your roof
- Trim trees and remove debris
- Clean gutters and drainage systems
- Bring outdoor items inside
These steps can reduce structural damage and help prevent insurance disputes later.
What Insurance Should You Have Before a Hurricane?
Before a hurricane, review your policy to confirm:
- Windstorm and hurricane coverage
- Deductible amounts
- Coverage for roof and water damage
- Personal property protection
Related Resources:
Why Is a Home Inventory Important Before a Storm?
A home inventory helps prove your losses during an insurance claim.
To create one:
- Take photos and videos of each room
- Save receipts for valuable items
- Store records digitally
This documentation can significantly increase your claim value.
What Should Be in a Hurricane Emergency Kit?
A hurricane emergency kit should include:
- Water (1 gallon per person per day)
- Non-perishable food
- Flashlights and batteries
- First aid supplies
- Medications
- Important documents
How Do You Plan for a Hurricane Evacuation?
You should:
- Identify evacuation routes
- Prepare a “go bag”
- Plan for pets and family members
- Monitor local emergency alerts
Downloadable Hurricane Resources
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Storm Season Legal Tips from Thomas Morgan
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Prepare Your Home for Hurricane Season
Understand Your Hurricane Insurance Before It’s Too Late
One mistake in your coverage could cost you thousands after a storm.
After a Hurricane: Protect Your Property and Your Claim
What Should You Do Immediately After a Hurricane?
After a hurricane, you should:
- Ensure your safety before entering the property
- Prevent further damage if possible
- Document all visible damage
- Contact your insurance company
Taking these steps early can directly impact your claim outcome.
How Do You Document Hurricane Damage for Insurance?
To properly document damage:
- Take photos and videos before making repairs
- Capture all affected areas (roof, interior, exterior)
- Document personal property losses
Strong documentation is one of the most important factors in a successful claim.
Do You Have to Prevent Further Damage After a Storm?
Yes. Most insurance policies require you to mitigate damage.
This includes:
- Tarping roofs
- Boarding windows
- Removing water when safe
Failure to do so may reduce your claim payout.
What Expenses Should You Track After a Hurricane?
Keep receipts for:
- Emergency repairs
- Temporary housing
- Food and transportation
Also track:
- Insurance communications
- Adjuster visits
- Claim updates
What Should You Not Say to an Insurance Company?
Avoid:
- Guessing the cause of damage
- Minimizing losses
- Agreeing to recorded statements too early
Learn more:
Why Do Insurance Companies Delay or Deny Hurricane Claims?
Claims may be delayed or denied due to:
- Insufficient documentation
- Disputes over cause of damage
- Policy exclusions
- Underestimated repair costs
Related Resources:
Storm Damage Claim Delayed, Denied, or Underpaid?
Before accepting any offer, make sure your claim is handled correctly.
How Should I Prepare For a Storm?
A Message to Roofers, Public Adjusters & Contractors
Special Hurricane Claim Resources
What Should Boat Owners Do After a Hurricane?
Boat owners should:
- Document all damage immediately
- Review marine insurance policies
- Report claims promptly
What Should Contractors and Roofers Know About Hurricane Claims?
- Always provide detailed documentation
- Maintain clear estimates
- Avoid unsupported or incomplete claims
Boat Damage
A Message to Roofers, Public Adjusters & Contractors
Hurricane Education & Media Resources
- Hurricane preparedness videos
- Storm recovery guidance
- Insurance claim education
Hurricane Insurance Claim Help
When Should You Get Help With a Hurricane Insurance Claim?
You should seek help if your claim is:
- Delayed
- Underpaid
- Denied
How Can We Help With Hurricane Damage Claims?
We help property owners:
- Review insurance policies
- Handle communication with insurers
- Challenge denied or underpaid claims
- Pursue full compensation
Get Help With Your Hurricane Damage Claim
If your property was damaged in a storm, don’t navigate the claim process alone.
Hurricane Preparedness & Insurance Claim FAQs
Get clear answers to the most common questions about preparing for a hurricane and handling insurance claims after a storm.
What should you do before hurricane season?
Before hurricane season, secure your home, review your insurance coverage, document your property, build an emergency kit, and plan for evacuation.
What should you do immediately after a hurricane?
After a hurricane, ensure safety, prevent further damage, document all losses, and contact your insurance company to begin the claims process.
How do you document hurricane damage for insurance?
Take photos and videos of all damage before repairs, document personal property losses, and keep records of all affected areas to support your claim.
Why do insurance companies deny hurricane claims?
Insurance companies may deny claims due to insufficient documentation, policy exclusions, disputes over damage causes, or undervaluation of repairs.
Do you have to prevent further damage after a hurricane?
Yes, most insurance policies require property owners to take reasonable steps to prevent further damage, such as tarping roofs or boarding windows.