Preparing for Hurricane Season
2021 proved to be a disastrous year for those living in the paths of hurricanes. Homes were destroyed, and damages totaled in the billions. Still, like clockwork, every year from June 1 to November 30, people residing on the east coast must be prepared for the Atlantic hurricane season. We know the damage these storms can cause and how dramatically they can change lives; that is why it is vital to stay prepared.
Understanding Your Risk
According to the Federal Emergency Management Agency (FEMA), New Orleans is the country’s most susceptible city to hurricanes. This is due to the city’s low elevation, being surrounded by water from three directions and from its slowly sinking coast. Because it is at such a high risk and because of its geographical makeup, New Orleans is also vulnerable to excessive flooding. Know your flood risk by putting your address into this interactive tool.
Flood Insurance
Flood insurance can help cover the cost of damages due to severe flooding. While it is not required unless you live in a high-risk area or have a federally backed mortgage, purchasing flood insurance is a well-advised preventive measure to protect your home. You can purchase flood insurance through the National Flood Insurance Program (NFIP).
Preparing Your Home
When a hurricane makes landfall, it brings with it an extraordinary amount of wind and rain. The most effective way to minimize damages from the elements is to take preemptive steps by maintaining the interior and exterior of your home.
Cleaning Your Home
- Clean Gutters: Ensure your drainage system is clear, functional and ready for heavy amounts of rain.
- Trim/Cut Trees: Wind is a massive factor in hurricane-related damages, often blowing large branches or toppling fully grown trees.
- Secure Loose Items: Garbage cans, outdoor furniture and lawn decorations are some of the first things to go when the wind arrives.
Note: Be sure to take “before” photographs of your home before the storm hits for any potential insurance claims.
Safeguarding the House
- Windows: Cover your windows with wooden boards or durable storm shutters.
- Vehicles: If you have a garage, bring your vehicle inside or find a way to secure it as best as possible.
- Roof: Make certain that your roof is in good condition, with no loose shingles or pieces that could threaten its integrity.
Stocking Up
Having a stock of essential items is a must in the event you are left stuck inside your home in the immediate aftermath of a hurricane. Examples of must-have items include:
- At least 3-days worth of non-perishable foods
- Drinking water (at least 3 gallons per person)
- First aid supplies/medications
- Batteries/radio/flashlights
How Your Hurricane and Flood Damage Attorneys Can Help
In the event of a hurricane that results in severe damages, you may want to hire a hurricane and flood damage attorney. Although you may have applicable insurance to cover your expenses, sometimes they may not all be covered. At the end of the day, insurance companies are businesses that try to make money, and that often is done by not paying you what you deserve.
For years, the team at The Voorhies Law Firm has been handling cases involving uncooperative insurance carriers. Whether you have been underpaid or the insurance carrier is drawing out the process, our hurricane and flood damage attorneys will help you get the compensation you deserve.
Call us today at (504) 875-2223 or visit us online and will review your insurance policies during a free consultation to see how much compensation you may be entitled to after a hurricane.
