before the season
Get ready before a storm is on the radar
Many think hurricanes are only a problem for coastal areas. However, rain, tornadoes, wind, and even hail from these storms can travel farther inland than many expect. Planning for these events is essential.
Review your coverage
There isn't just one type of "hurricane insurance." A standard homeowners policy typically won't cover all hurricane-related damage, so you may need a combination of coverages depending on the wind and water risks where you live.
Back up documents and take inventory
Back up insurance paperwork, passports, and other identification somewhere secure. Walk through your home or business, take photos or video of what you own, keep receipts for major purchases, and store it all away from the property.
Strengthen your home or business
Work on your property before the season, not after a storm is named. Reinforcing a roof, garage door, or windows takes time to schedule and a trustworthy contractor takes time to vet, and both get harder once a storm is in the forecast.
Make an emergency plan
If at risk of a hurricane, everyone in the household and business should understand the hurricane plan for commonly visited locations like a place of work or daycare.
When a storm is named
Act on the forecast
Once a storm is named you have days, not weeks. Sign up for alerts now so you are not looking for them later.
Sign up for weather alerts
FEMA weather App (U.S.)
WeatherCAN App (CAN)
Secure your property
Prepare an emergency kit with water, non-perishable food, medications, important documents, flashlights, batteries, and a first aid kit.
Board up windows, secure outdoor furniture, and make sure your property is as protected as possible against strong winds and flooding.
Know where you are going
Follow evacuation orders from local authorities immediately. Do not wait until the last minute, as roads can become congested and dangerous.
If you are not in an evacuation zone, identify the safest room in your home, typically an interior room on the lowest floor.
during the storm
Stay safe while the storm passes
A hurricane is a powerful tropical storm with sustained winds of at least 74 miles per hour (119 km/h). Hurricanes can cause severe damage due to high winds, heavy rainfall, storm surges, and flooding.
after landfall
Document damage before you repair it
Cleanup and recovery should begin only after everyone is accounted for and safe from immediate danger, including pets. Never feel pressured to rush into repairs or hire an unknown contractor.
First steps
Check for injuries and hazards
Contact your insurance company immediately to start a claim.
Take photos and videos of all damage.
Do not make permanent repairs until your insurance company gives approval.
Only make small repairs that prevent further damage until professional help arrives.
Before returning home after a hurricane
Contact your insurance company or agent for instructions.
Pay attention to local officials on when it is safe to return and where to find help.
Save all receipts, including those for food, temporary lodging, or other expenses that may be covered under your policy.
Hiring a contractor for repairs
Research contractors carefully at BBB.org and check ratings, reviews, and complaint history.
Ask for local references and verify licenses and insurance.
Get multiple estimates before signing any agreement.
Get referrals from friends, relatives, and neighbors.
Confirm who will handle follow-up service if issues arise later.
Make sure you're dealing with a trustworthy business. Get a quote from a BBB Accredited Business
avoid fraud
Scams that follow a hurricane
While many people seek to help during times of disaster, unfortunately there is also an increased risk for scams and fraud.
reference
Hurricane seasons in North America
Eastern Pacific
May 15 to November 30
Atlantic
June 1 to November 30
Central Pacific
June 1 to November 30
Report what you know
Help us investigate and warn others. Search for local scams happening in your area, and file a complaint if you suspect a business is taking advantage of consumers.