Your Hurricane Damage Checklist

As peak hurricane season approaches, it's essential to equip yourself with knowledge about the common types of property damage caused by hurricanes and how to address them. We're here to provide you with a checklist outlining the various damages you might face during a storm, strategies to protect against these damages, and ways to address them if they occur. Be sure to keep an eye out for the following:

Wind Damage

Hurricanes in Louisiana often bring powerful winds that can exceed 100 miles per hour, causing extensive damage to structures. Beyond the obvious roof and siding damage, high winds can lead to the displacement of outdoor structures like sheds and fences. Storm-created openings in your structure can be infiltrated by rain, causing water damage to interiors. To assess wind damage, inspect your property for loose or damaged shingles, windows, and other vulnerable areas. Prompt repairs or mitigation efforts–such as tarping your roof–can prevent further structural issues and additional harm due to water intrusion.

Flood Damage

While flooding is a well-known risk during hurricanes, many people may not realize the extent of the damage it can cause. In addition to structural damage, flooding can lead to contaminated water intrusion and downstream health hazards. Mold growth can occur rapidly in warm and humid conditions following a flood. After a flood, remove standing water promptly and dry out affected areas to prevent mold and mildew. Consider investing in flood insurance as a preventive measure to protect your property from financial losses.

Storm Surge

Louisiana's low-lying coastal areas are particularly vulnerable to storm surge, a phenomenon where hurricane-force winds push seawater inland. This can result in rapid and extensive coastal flooding, submerging homes and infrastructure. Even properties located several miles inland can be affected by storm surge, especially in areas with inadequate drainage systems. Prevent storm surge damage by reinforcing your property's exterior with storm shutters or plywood and elevating valuables and appliances to prevent water damage. Consider installing flood barriers or placing sandbags to protect against rising waters.

Debris Impact

The impact of flying debris during hurricanes extends beyond property damage; it poses significant risks to personal safety. Large projectiles propelled by high winds can penetrate walls and windows, leading to severe injuries or even fatalities. Mitigating this risk requires reinforcing windows and doors with impact-resistant materials and securing outdoor objects. Trim trees and secure outdoor furniture and equipment before a storm hits to minimize damage from debris impacts. After the storm passes, conduct a thorough inspection of your property for debris-related damage.

Power Outages

Hurricanes often result in widespread power outages, leaving homes and businesses without electricity for extended periods. Beyond the inconvenience of being without electricity, extended power outages can compromise food safety, disrupt medical equipment, and hinder communication. Consider investing in a generator or alternative power source to maintain essential functions during an extended power outage. Make sure you stay stocked up on emergency supplies, such as flashlights, batteries, and non-perishable food items, to ensure your comfort and safety during an outage.

Averill & Reaney Handles Property Damage Claims

If you find yourself grappling with these types of property damage and encounter resistance from your insurance provider in seeking compensation, remember that Averill & Reaney is here to lend a hand. Our team is well-versed in property damage insurance claims, ensuring that you receive the support and advocacy you need during these challenging times. Don't hesitate to reach out to us for guidance and assistance.