Florida Insurance Claim Lawyer Blog

According to the Colorado State University's Tropical Meteorlogy Project, we should get ready for a less hectic hurricane season this year due as opposed to years past.

They predict that the 2012 hurricane season will be less active than normal. They also predict that this hurricane season will be close to half as active as last year. Last year we saw 19 named storms. Of those storms, 7 of them turned into hurricanes, and 3 of them turned in major hurricanes measured at Cat 3 or stronger.

However, forecasters Philip Klotzbach and William Gray predict the 2012 season, which begins June 1, will have 4 hurricanes, compared with an average of 6.5 hurricanes between 1981 and 2010, and 10 named storms, compared with an average of 12.

The forecasting duo credit a combination of cooler than normal sea surface temperatures in the tropical Atlantic Ocean and an expected return to El Nino warmer than normal surface water conditions in the eastern and central Pacific Ocean for the reduced tropical storm activity.

Although Florida was again spared in the busy 2012 season, one should not their guard down.

Forecasters don't like to make landfall predictions, but they are able to say that certain areas may be more prone to being hit by a hurricane this year. South Florida, Texas, and the Carolinas are being pinpointed as areas where chances of landfall are greater.

It's certainly frightening to hear that South Florida is at great risk year to be struck by a hurricane, even if there are potentially less hurricanes in total this year. We've been spared over the last few years, but hurricanes are a fact of life in South Florida.

Although this often leads us to brush off hurricanes, it's important to be prepared.

One way of ensuring that you're prepared is to make sure to having everything in place to contact your insurance company in the event of a windstorm because all insureds have a duty to immediately notify an insurers of a loss. Whatever you do, and no matter how slight the damage, call your insurer if your home has been damaged by a windstorm.

However, there are times when immediate notice is still not enough because an insurer will treat their policyholder unfairly by wholly denying a valid claim or by not fully covering their insured's loss. Realizing that most people are unaware of their rights, insurers may take advantage of their policyholders.

If you ever find yourself in a situation where you believe that your insurance company is treating you unfairly, don't hesitate to contact Alvarez & Barbara, LLP. We have considerable experience dealing with insurance companies and working to make sure our clients get what they are owed.

The 2011 hurricane season was the third busiest on record, with 19 named storms. Of those storms, 7 of them turned into hurricanes, and 3 of them turned in major hurricanes measured at Cat 3 or stronger.

Indeed, it has been a very fortuities few years for South Florida. History has shown us that past hurricane seasons as busy as this one typically results in at least two named storms and making landfall. For instance, researching records back to 1900 revealed that in five previous seasons with 10 or more hurricanes, at least two named storms made landfall somewhere in the United States. And so far this season, we have seen 19 named storms, none of which has made landfall in Florida.

The hurricane season began with Arlene, which developed on June 29 in the Gulf of Mexico, and made landfall near Veracruz, causing 25 fatalities, and at least $223 million in damage.

Irene was the lone hurricane to hit the United States in 2011, and the first one to do so since Ike struck southeast Texas in 2008. Irene was also the most significant tropical cyclone to strike the Northeast since Hurricane Bob in 1991.

As this hurricane season comes to a close, it appears as though Florida again dodged potential catastrophe in that no significant storm made landfall this year.

Since hurricane tracking began, South Florida has never previously gone 6 straight years without getting struck by a hurricane. The last hurricane to strike South Florida was Wilma back in October 2005. The last tropical storm to hit South Florida was Bonnie back in July of 2010.

Continue reading "The 2011 Hurricane Season is Quietly Coming to an End" »

The chances of South Florida getting hit by a hurricane in November is less than 5%.

Historically, only about 5% of all Atlantic tropical storm activity occurs after the 1st of November. On average, one tropical storm forms in November every other year, and a hurricane forms in November every five years.

There have been six recorded major hurricanes in November. They were Hurricane Michelle of 2001 (Cat. 4, 140 mph); Hurricane Lenny of 1999 (Cat 4, 150 mph); Hurricane Kate of 1985 (Cat 3, 120 mph); Hurricane Greta of 1956 (Cat 4, 140 mph); Hurricane 10 of 1932 (Cat 4, 135 mph); and Hurricane 7 of 1912 (Cat 3, 115 mph).

The most extraordinary November hurricane was "Wrong-Way Lenny", which hit the northern Leeward Islands as a strong Category 4 hurricane with 155 mph winds on November 17-18, 1999. Lenny was the first storm to have an extended west-to-east track across the central and eastern Caribbean Sea in the 135-year Atlantic tropical cyclone record, and was the strongest November hurricane on record.

Hurricane Gordon was the deadliest November hurricane. It claimed 1122 lives in Haiti when it passed just west of the country as a tropical storm on November 13, 1994. Lenny claimed six lives in Costa Rica, five in the Dominican Republic, two in Jamaica, two in Cuba, and eight in Florida. Property damage to the United States was estimated at $400 million (1994 dollars), and was severe in Haiti and Cuba as well.

Three November hurricanes have hit the U.S.-an unnamed 1916 Category 1 hurricane that hit the Florida Keys, an unnamed 1925 Category 1 hurricane that struck Sarasota, Florida, and Hurricane Kate, which struck the Florida Panhandle on November 22, 1985.

Continue reading "November Hurricanes Are Extremely Rare" »

Hurricane Rina has quickly strengthened into a hurricane off the coast of Honduras. Rina is a category 1 storm with top winds of 75 miles per hour.

Forecasters are predicting that the storm could become a major hurricane with winds topping 111 miles per hour by late Tuesday.

The models largely agree that Hurricane Rina will not make it out of the Caribbean, and instead turn around and move back to the south beyond the 5-day forecast period.

In the unlikely event it were to get pulled northward, the odds are that it would be coupled with a mid-latitude weather system strong enough to seriously damage its tropical characteristics.

Rina's formation brings this year's tally of named storms to seventeen, making it the 7th busiest Atlantic hurricane season since record keeping began in 1851. Only 2005, 1933, 1995, 1887, 2010, and 1969 had more named storms.

However, 2011 has had an unusually low percentage of its named storms reach hurricane strength. Only 35% of this year's named storms, including Rina, have made it to hurricane strength (six), and normally 55 - 60% of all named storms intensify to hurricane strength in the Atlantic.

Hurricane Rina is a rare October hurricane. However, history has demonstrated that hurricanes in October can still cause extensive damage. Just back in 2005, for instance, Hurricane Wilma caused extensive damage to South Florida, and was one of the strongest hurricanes ever recorded on record. It became the 3rd costliest hurricane in U.S. history causing over $20 billion in damages in South Florida.

Continue reading "Hurricane Rina is Gaining Strength and Could be a Major Hurricane by Tuesday" »

Hurricane season is typically on the decline in October. Fortunately, it has been a quiet hurricane season for us in Florida. To date, a hurricane has failed to make landfall in South Florida this year.

History has shown us, however, that there can still be potent hurricanes this time of year. So now is not the time to let your guard down. But history also shows us that October hurricane strikes are rare occurrences. Indeed, on average there is 1 hurricane strike in October every 5 years.

While it is exceedingly rare for a hurricane to strike in October, such strikes can be rather potent. For instance, Hurricane Wilma in 2005 was one of the strongest hurricanes on record. In fact, at its peak, Wilma reached full fury over the western Caribbean with sustained winds of 185 miles per hour. Wilma's central pressure of 26.05 inches is the lowest ever recorded for an Atlantic hurricane.

Wilma weakened over time and ultimately made landfall in South Florida as a Category 3 hurricane. But Wilma still caused major damage and disruption throughout South Florida. In fact, Wilma became the 3rd costliest hurricane in U.S. history causing over $20 billion dollars in damages in South Florida, primarily from wind damage to structures in the highly populated areas of Miami and Ft. Lauderdale.

Then there was also Hurricane Hazel back in 1954. Hazel was one of the strongest hurricanes on record for October, and also the farthest northern Category 4 hurricane to hit in any month. It struck the South Carolina/North Carolina border with devastating impact and to this day remains a benchmark for how bad a hurricane be on those coasts.

Continue reading "History Demonstrates that Hurricanes in October Can Still Cause Extensive Damage" »

Earlier today, Irene strengthened into the season's first hurricane. This broke a streak of eight consecutive tropical storms to begin the 2011 season without a hurricane. It also marks the first time in over 50 years that the first eight named storms of the season did not attain hurricane strength

Our Miami storm damage attorneys continue to report that South Florida has entered the height of hurricane season. Indeed, this the eighth named storm of what promises to be an active hurricane season.

Hurricane Irene, now packing 100-mph winds that make it a Category 2 hurricane, passed Monday north of the island of Hispaniola, home to Haiti and the Dominican Republic, and was heading for the Bahamas.

The move prompted a warning from the National Hurricane Center in Miami that Hurricane Irene will likely intensify to a Category 3 storm with winds of 115 mph over the Bahamas by Thursday.

More than a million people in Puerto Rico saw their power cut off Monday, as Hurricane Irene passed about 105 miles west of San Juan. Hurricane Irene also walloped the British Virgin Islands, bringing lightning that was the likely culprit in a fire that destroyed billionaire Richard Branson's Caribbean home. Guests, including the Academy Award-winning actress Kate Winslet, escaped the fire uninjured.

Projections for South Florida

Most computer forecast models show Hurricane Irene traveling parallel to Florida's east coast starting Thursday with possible eventual landfall on the Georgia or South Carolina coast early on Saturday.

Forecasters said a low pressure trough over the eastern United States was expected to shift Hurricane Irene's track to the east, reducing the risk of a direct landfall in densely populated South Florida but raising the risk in the Carolinas.

If you are facing a dispute over an insurance claim in Florida, contact Alvarez & Barbara, LLP toll free at 866-518-2913 for a free and confidential consultation to discuss your rights.

We're all used to hurricanes being categorized on a scale from 1-5. However, we may have to learn a new scale that categorizes hurricanes from 0 to 5.99.

Although the National Hurricane Center hasn't stated whether they will endorse the new scale, the Integrated Kinetic Energy ("IKE") scale may be a better predictor of potential destruction from both wind and storm surge. IKE was developed because the current system only takes into account wind speed. However, storm surge is the most devastating element of a hurricane.

For example, the current system rated Hurricane Katrina a Category 3 at landfall, but the surge came in at a Category 5 or higher. In essence, IKE provides a better way of determining the actual consequences from a storm because its takes into account more than just wind.

At the end of the day, it appears that IKE may provide a better way for us to understand potential damage caused by a hurricane. In turn, this allows everyone to better prepare for a windstorm.

We may never see this system being used in the mainstream, so take into account that the current scale doesn't take into account storm surge. If you live in a coastal area, make sure to do your research and find out if your property can be damaged by surge.

Our Florida Insurance Claim Lawyer Blog offers safety tips and other advice to prepare you and your family for a hurricane. If you have not already done so, our Miami storm damage attorneys encourage you to make some basic preparations. Even the busiest among us can tackle hurricane preparation in stages, as we suggest on our Florida Insurance Claim Lawyer Blog. Our Miami Hurricane dispute lawyers are also prepared to assist you with any hurricane damage claim you may have against your insurance company.

Continue reading "Miami Hurricane Claim Lawyers See Advantages in New Hurricane Scale that Places More of a Focus on Storm Surges" »

Tropical Storm Emily was the start of what experts are predicting to be an active hurricane season.

When Tropical Storm Emily was slowly marching towards South Florida, we got our first taste of constant TV updates, satellite images, saw the map with the all too familiar cone in it, and we of course witnessed the unpredictable nature of that cone move east or west every few hours, and otherwise received a reminder of what it is like when a storm is barreling towards South Florida.

Fortunately, Tropical Storm Emily turned out to be a nonevent. However, now that we are in August, the active part of the hurricane storm season is upon us. Please recall that the National Oceanic and Atmospheric Administration's (NOAA) forecast for the Atlantic, Caribbean Sea and Gulf of Mexico is predicting that we will see between 12 to 18 named storms this hurricane season. They also predict that 6 to 10 of these named storms will become hurricanes. It is also predicted that 3 to 6 of these will become major hurricanes.

Now that we are entering the peak of hurricane season, the remainder of this year's hurricane season is likely to be "bad and busy" according to forecasters.

Consequently, the time is now to prepare and be prepared for the storm season. For starters, and as we have mentioned before, it is important that you review your insurance policy. Be aware of your coverage, and what your deductible may be and what out-of-pocket expenses you are required to pick up in order to get repairs going.

It is also important to ensure that that you have all of your storm supplies in order. For instance, be sure that the big stuff like your roof, storm shutters, garage, and other major stuff of that nature, are in good order.

As we observed with Tropical Storm Emily, a storm could pop up at any time during the height of hurricane season and strike south Florida in a matter of days. We have been extremely fortunate for the past five hurricane seasons. If our luck continues, that would be very fortuitous. But that does not mean that now is not the time to prepare.

Preparation is certainly the key to surviving a hurricane should one strike south Florida this season. Please do no hesitate to contact us should you have any questions, comments, or concerns regarding your preparation for hurricane season or if you have questions regarding your insurance coverages. Additionally, please do not hesitate to contact us should you experience any damage to your property as a result of any storm during storm season.

During these tough economic times, government has set in place many spending cuts. Now, due to federal spending cuts, the air squadron which performs hurricane research may have its operations budget cut by 40%. This air squadron has helped hurricane forecasters more accurately track storms over the last decade

While the budget cut proposal is many months away from becoming a reality, a red flag has been raised with top forecasters. They worry that reduced flights or hours for the planes they used to track hurricanes will stall their efforts to better computer forecast models.

Apart from the short-term effect of lowering operating costs, those cuts may lead to high long-term costs. Improved forecasts can help save lives and money. The money would be saved because improved forecasts would help communities more effectively conduct evacuations. Luckily, these proposed cuts would not affect the daily flights into active tropical storms. However, these planes are not equipped to conduct the research done by the Hurricane Hunters.

These researchers are rightfully concerned about the potential long term costs of the loss of this valuable research. This research is vital because it helps us all better understand the nature of hurricanes. In turn, the public is better able to prepare for the impending landfall of these storm systems.

At this point in the hurricane season, forecasters predict that tropical activity is going to increase. Accordingly, make sure you have plans in place for your property and family as we will begin to see more tropical storms and hurricanes in the coming months.

On this blog we have posted several articles discussing useful tips on preparing for hurricane season. Our Miami Hurricane Dispute Lawyers are also prepared to assist you with any hurricane damage claim you may have against your insurance company.

Continue reading "Hurricane Research Flights Could Be Curtailed due to Recent Budget Cuts Made by Congress" »

As of this morning, Tropical Storm Emily has maximum sustained winds at near 40 miles per hour. It is anticipated that its center will move across the northeastern Caribbean Sea today and approach the island of Hispaniola as early as tonight.

Emily is projected to head towards Cuba, the Bahamas, and possibly Florida.

Current conditions suggest that Tropical Storm Emily could intensify and strengthened over the course of the next 48 hours. It is not anticipated to approach Florida until the weekend, but by the time does it could be as strong as a hurricane.

Emily Could Strengthen to a Category 1 Hurricane

Forecasters are predicting that Tropical Storm Emily could grow into a Category 1 hurricane, with winds of at least 74 miles per hour according to the Saffir-Simpson Hurricane Wind Scale.

A category 1 hurricane is defined as having sustained winds between 74-95 mph. It is a dangerous storm and its winds will produce damage.

Time to Prepare

Our Miami Insurance Dispute Lawyers would like to remind you that now is the time to prepare for Emily's potential arrival later in South Florida later this week.

On this blog we have posted several articles discussing useful tips on preparing for hurricane season. We encourage you to read them, and, more importantly, we encourage you to prepare for the storm's potential arrival. Our lawyers are also prepared to assist you with any hurricane damage claim you may have against your insurance company.

Continue reading "Tropical Storm Emily is Expected to Strengthen Today as it Approaches the Dominican Republic: Miami is in her Sights for Later this Week" »

A developing tropical system, destined to become Emily early this week, will threaten the Antilles first and could approach part of the U.S. coastline this weekend, including Miami and the Florida Keys.

The National Hurricane Center has given this storm a 70% chance of developing into a tropical cyclone in the next 48 hours. No matter what path this storm takes, it will be in conditions that favor intensification into a hurricane for the next 24 to 48 hours. In sum, this is a storm that bears monitoring over the next few days.

If this developing storm does become a named storm, its name will be Emily.

The 2011 Hurricane Season Has Been An Active One So Far This Year

So far this year, there have been three named storms to date, in the Atlantic. Historically speaking there is typically only one named storm in the Atlantic between June and July.

Only once has there been a hurricane season in which four, or more, named storms developed during July.
That was back in 2005, the year that gave us before Hurricanes Katrina, Rita, and Wilma.

But back in 2005, and before we had Hurricanes Katrina, Rita, and Wilma, we had Hurricane Emily. In July of 2005, Hurricane Emily was one of five named storms. And it was a monster.

With sustained winds of 160 miles per hour, Hurricane Emily became the strongest hurricanes ever to form before August. Indeed, Hurricane Emily was the first category 5 hurricane of the record breaking 2005 hurricane season.

Time To Prepare

With hurricane season upon us, now is the time for all individuals and businesses alike throughout South Florida to properly plan for hurricane season. Our Miami insurance dispute lawyers would like to urge you to take the time now to plan for hurricane season.

Please visit this blog to learn useful tips on planning for hurricane season, and please contact our office should you sustain any hurricane/wind storm related damage.

Continue reading "The Tropics Have Been Active So Far This Hurricane Season: Hurricane Emily to Form Soon and Threaten Miami Later this Week?" »

Our Miami insurance dispute lawyers would like to remind you that forecasters are keeping an eye on a disturbance that could grow into a named storm, Emily, as South Florida enters the height of hurricane season.

And, while forecasting has made great strides in recent years, it is still far from infallible. When Hurricane Charley hit the Fort Myers area in 2004, it did so after making a virtual 90 degree turn at the last minute -- it had been forecast to make landfall far up the West Coast of Florida.

Last year, the National Hurricane Center made changes to the hurricane watch and hurricane warning system that is relied upon by local emergency planning officials and residents alike. The changes provide greater lead time to prepare for the possibility of a hurricane.

The National Weather Service reports that tracking errors have been cut in half over the last 15 years. The issuance of watches and warnings will be made 12 hours earlier this year, which should allow homeowners and emergency officials in the target area more time to prepare.

Tropical Storm Watch: Are now made when tropical storm conditions (winds of 39 to 73 mph) are possible within 48 hours.

Tropical Storm Warning: Are issued when tropical storm conditions are expected within 36 hours.

Hurricane Watch: Hurricane conditions (winds greater than 74 mph) are possible within 48 hours.

Hurricane Warning: Hurricane conditions are expected within 36 hours.

Continue reading "Understanding Hurricane Watches and Warnings can Help Protect Homeowners in South Florida" »

Tropical Storm Don earned respect when she earned her name on Wednesday. Tropical Storm Don is expected to make landfall in southeastern Texas on Friday.

This should serve as a reminder to all of us here in South Florida that tropical depressions, or areas of intense thunderstorms that gather in the tropics, become named tropical storms when they reach sustained wind speeds of 39 mph.

Understanding how storms are characterized can assist homeowners in knowing what to expect. However, our Miami hurricane damage lawyers caution homeowners against becoming complacent in cases where a tropical storm fails to become a hurricane, or when a hurricane fails to climb the charts.

The act of rating a storm can actually be dangerous when it leads to such complacency. The storm-classification system is designed to assist South Florida residents in understanding what to expect -- as long as they understand that, in all cases, a storm carries the risk of serious property damage and the potential for serious or fatal injury when residents fail to take the proper safety precautions.

Tropical storms, such as Don, have wind speeds of 39 to 73 miles an hour and are associated with torrential rains, localized flooding, downed trees and power lines and the possibility of structural damage, particularly to older buildings or mobile homes.

A tropical storm reaches hurricane strength when winds climb above 74 miles an hour and are categorized on a scale of 1 to 5 until the winds reach roughly twice that speed. Anything with sustained winds of more than 155 mph is considered a Category 5 hurricane. Katrina was a Category 5 storm when it hit New Orleans and Andrew was a Category 5 storm when it devastated South Florida in 1992.

Florida Today provides a nice graphic illustration.

Category 1: Minimal Hurricane
Winds: 74 to 95 miles per hour
Storm surge: Up to 5 feet
Damage: Some trees and power lines may be down; damage caused by flying debris; localized flooding; those in mobile and modular homes are at greatest risk.

Category 2: Moderate Hurricane
Winds: 96 to 110 miles per hour.
Storm Surge: 6 to 8 feet.
Damage: Downed trees and power lines; some flooding; debris damages; structural damage possible, particularly in older homes. Mobile and modular homes at great risk.

Category 3: Extensive Hurricane
Winds: 111 to 130 mph
Storm Surge: 9 to 12 feet
Damage: Widespread flooding possible. Significant structural damage to homes and buildings possible. Downed trees and power lines. Probable destruction of mobile and modular homes.

Category 4: Extreme Hurricane
Winds: 131 to 155 mph
Storm Surge: 12 to 18 feet
Damage: Widespread destruction of homes and buildings, structural damages and roof loss are common, significant flooding and storm surge risk, higher likelihood of significant time without power.

Category 5: Catastrophic Hurricane
Winds: Greater than 155 miles per hour
Storm Surge: 18 feet
Damage: Widespread destruction

The important thing to keep in mind when considering a storm's rating is that all of these storms can cause significant property damage and can lead to the risk of serious or fatal injuries. This weekend's tropical storm, in Texas, with winds of 40 miles per hour, is roughly twice as powerful as our typical violent summer weather. A minimal category 1 hurricane is four times as powerful as a typical summer storm.

Continue reading "Texas May be Struck by Tropical Storm Don on Friday" »

So far this year there have been four named storms to date. Any of these storms are strong enough to do significant damage. However, none of them caused any significant impact to South Florida.

Now that South Florida is in the very height of hurricane season it serves as a reminder that tropical depressions are storms with winds of up to 38 mph and are identified only by numbers; tropical storms are given names and have winds form 39 to 73 mph and hurricanes have winds above 74 mph. And so far this year we have had 4 named storms.

From now through November, the chances are good that South Florida will be threatened by named tropical storms or hurricanes. Even a tropical depression can cause wind and water damage while serving as a health reminder that the time to prepare is now, before a serious storm is eminent.

For those who always seem too busy to prepare, our Miami storm damage attorneys recommend readying you and your family in several stages.

Always
-Know and understand your insurance policy, including your exposure to deductibles.
-Keep your important paperwork in water-proof storage containers
-Keep several plastic totes with the following items inside (and clearly marked in a checklist on the outside): manual can opener, disposable plates, silverware and cups, first aid kit, flashlights, battery-operated radio.

Start of hurricane season
-Purchase fresh batteries for radios and flashlights
-Ensure fresh gas is available for the generator and gas grill and that both are in good repair.
-Purchase fresh bottled water (at least 7 gallons per person -- a gallon a day for a week). Buying 20 oz bottles will allow the water to be used at the beach or around the pool after hurricane season.

Hurricane Watch
If you have followed the instructions above, this will be your serious hurricane preparation and it should be pretty simple:
-Fill cars with gas.
-Go grocery shopping
-Gather specialty items, including pet care and child care items.
-Charge cell phones
-Gather rain gear, toys, books and games
-Ensure you have cash on hand to last several weeks.

Hurricane Warning
This means a hurricane is going to strike the area.
-Install storm shutters
-Remove patio furniture and other loose items, including planters, from the exterior of your home
-Ensure you have emergency contact information, including the location of the nearest shelter
-Listen to official instructions or advisories.

Continue reading "Arlene? Bret? Cindy? Dora? The 2011 Hurricane Season Has Seen 4 Named Storms Already While Our Firm Stands Ready to Help Miami Homeowners if a Named Storm Strikes South Florida" »

Hurricane season has been quiet so far. If you were raised in South Florida or have lived here for a few years, you know that hurricanes typically become a major concern in the months of August, September and October. However, that doesn't mean that we won't see a storm in July.

Since 1900 Florida has been struck by three hurricanes in the month of July. The last one happened in 2005 when a category 3 storm struck near Pensacola. On the other hand, numerous tropical storms have struck Florida in July. The last one hit us in 2010.

The reason we don't see many hurricanes striking Florida during this time of year is because of prevailing steering currents that send the storms south or west of Florida. Whenever we do see tropical systems in July they are usually in the Gulf of Mexico because the waters heat up quickly by early summer.

Not only are July storms less common, they are weaker. Since most June and July storms form in the eastern Atlantic they are weaker because they don't have the time to travel across more water. However, during the peak months, the storms tend to be stronger because they develop in the western basin of the Atlantic. This basically gives the storm the whole Atlantic to travel and gain strength.

Although July is a slow month for tropical systems we still need to be prepared. As recently as 2005, three hurricanes developed in the month of July. On this blog, we've taken the time to prepare various posts to make sure our readers properly prepare for a hurricane. Don't just think of the canned food and water. Remember that part of hurricane preparation entails making sure you have all the necessary supplies to survive a hurricane as it strikes, and after, as well to ensure that you have all the necessary information to file an insurance claim in the event your home or business is damaged.

Continue reading "Hurricane Strikes in July are Rare" »