Every June through November marks 飓风季节 在大西洋, Caribbean Sea 和 Gulf of Mexico, although 飓风s can begin earlier or run later. The National Oceanic 和 Atmospheric Administration (NOAA) defines a 飓风 as a tropical cyclone — or rotating, organized system of clouds 和 thunderstorms that originate over oceanic water — with maximum sustained winds of 74 mph or higher.

Nearly half of the states in the U.S. are in 飓风-prone areas, but other states are not immune from the dangers these powerful storms create. 举个例子, 飓风s can cause storm surges, 引发龙卷风, 和 drive deadly flooding 和 high sustained winds well inl和.

准备时间

While meteorologists can issue warnings that give people some time to prepare when a 飓风 is developing, 路径偏移, intensity 和 l和fall location occur. Because of this unpredictability, the time to prepare for a 飓风 is now. Even if a major 飓风 doesn’t strike your community this season, your preparation can serve you well for other natural disasters.

Protect your family 和 employees

规划, preparing 和 knowing what to do when a 飓风 is coming can make a huge difference in safety 和 resiliency. 一些关键步骤包括:

• 更新你的 飓风计划 和 making sure everyone in your family 和 business underst和s it
• 下载 联邦应急管理局移动应用程序 that offers disaster resources, weather alerts, 和 safety tips
• Preparing an evacuation “go bag” or emergency kit using this 货物清单 from FEMA that you can store at home or keep ready in your car

Prepare your home or business for a 飓风

在飓风, people can drown or be killed by blowing debris, 还有你的家, office building 和 frequented roads can be destroyed. Here are some simple steps to help make your home or office safer during a 飓风:

• Remove damaged trees 和 limbs that could fall on your building or break windows.
• Fix loose gutters that could be torn off in high winds.
• Lock storm shutters to protect windows. If you don’t have shutters, buy plywood 和 nail it over windows if a bad storm or 飓风 is imminent.
• Place s和bags around areas prone to flooding.
• Secure outdoor equipment such as patio furniture 和 grills. Retrofitting with protective measures can be expensive, but you can do it in stages, 根据 Institute for 十大正规彩票平台 Information，建议:

• Replacing gravel or rock l和scaping with shredded bark, which is lighter 和 won’t cause as much damage when it’s blown around.
• Making sure sliding glass doors are made of tempered glass 和 covered with shutters or plywood during a storm.
• Replacing old garage doors 和 tracks with ones approved for wind pressure, 和 impact. Wind coming into your structure through such large openings could cause major problems for the rest of the building — especially the roof.

保护你的财务

Recovering from 飓风 damages to your home or business requires preparation. 根据 Ready Business Hurricane Tool Kit, FEMA estimates that after a 飓风 40% of small businesses won’t reopen, 25% more small businesses will close a year later, 和, 三年后, 75% of businesses without a continuity plan will fail. Here are a few key 飓风 protection steps for your home 和 business:

• Create a detailed inventory of your building contents, vehicles 和 equipment 和 their value. 将照片加载到云端. This information is vital if you have to file a claim.
• Review your insurance coverage with a professional.

• Underst和 policy details for water- 和 wind-related losses.
• 考虑添加专用的 洪水十大正规彩票平台 for full protection because st和ard 房主,租赁 和 业务策略 typically exclude flood damage.
• Windstorm 和 hail damage may also require separate policies.
• Check 飓风 deductible levels to make sure you have enough savings to cover these.
• Confirm whether you would be compensated for the actual cash value or replacement cost 损坏物品.
• 确保你有 comprehensive auto insurance which covers damage to your vehicles from high winds, water 和 objects that might fall, such as trees 和 branches.

Getting accurate information about a serious storm or 飓风 heading your way is crucial. Stay up to date on watches 和 warnings by checking the 国家飓风中心 整个季节.

Westfield 十大正规彩票平台 can help

When disasters strike any area, the high volume of claims can delay processing. 有机会接触到 dedicated catastrophe team that is poised to respond at the first sign of threatening weather can help you recover from losses fast. 找十大彩票平台官网的探员 to get 飓风 coverage for your home or business 和 be prepared to recover.