What to Do During a Hurricane: Essential Steps

Hurricanes give more warning than most disasters, but that window closes fast. Acting decisively as a storm approaches keeps your household safe and positions you for a stronger insurance recovery afterward.

As the Storm Approaches

• Follow evacuation orders immediately; do not wait to see how bad it gets.
• Board windows, secure outdoor furniture, and clear gutters and drains.
• Charge devices, fill the car with gas, and withdraw some cash.
• Photograph your property's pre-storm condition for your records.

During the Hurricane

Stay indoors away from windows, ideally in an interior room on the lowest safe floor. Be wary of the calm during the eye of the storm; the back half often arrives with winds from the opposite direction. Never go outside to inspect damage until officials confirm it is safe.

After the storm passes and you are safe, document every bit of damage before cleanup and make only the temporary repairs needed to prevent further loss. Before accepting any settlement from your insurer, have it reviewed. Crossroads Insurance Recovery Advocates offers free evaluations to make sure your offer reflects the true cost of repairs.