Soon after a hurricane, insurers start receiving claims for the damage done and the losses could reach over a billion dollars. The actual amount that will be paid by the insurers will depend on the damage extent of the hurricane, with high winds and rains that cause heavy flooding contributing significantly to the damage totals.
The Federal Emergency Management Agency (FEMA) notes that annually, there are almost ten hurricanes on the seas and oceans surrounding North America. Over the last decades, there has been an average of five Hurricanes hitting the United States coastlines in three-year intervals. Occasionally, these are very strong storms classified as category 3 on the Hurricane strength scale because their winds exceed 111mph in speed.
Damage by Hurricanes is Often Catastrophic
Thanks to media coverage, everyone should be aware of the potential devastation caused by hurricanes. Nothing in the path of a hurricane is safe as homes, business buildings, public facilities and infrastructures suffer the wrath of the winds and floods. Often a hurricane will uproot trees and pull down power lines leading to fires causing even more damage. While Hurricanes usually directly hit coastal areas, their devastation can extend hundreds of miles inland, with winds and power failures causing fires, traffic snarl-ups and confusion.
Can You Protecting Against Claim Denial by an Insurer?
Many people wish to protect their assets legally in case of such a hurricane. When it comes to getting insurance for your property and other assets, your carrier will require that you take some precautionary measures to limit the extent of damage. This may include being able to secure your property such as having permanent storm shutters on windows or plywood boards to cover windows as a way of reducing breakage.
Roofs may require fastenings to hold them in place. You should check that gutters are clear of leaves and debris and keep trees near buildings trimmed. If your property is below the sea level, you may want to consider having a boat available for evacuation and a water-proof location for storing important documents.