Preparing Your Business for Hurricane Season

Having a robust hurricane preparedness plan for your business is not just advisable - it's essential. A proactive approach can help ensure the safety of employees, secure valuable assets, and maintain business continuity despite the severe disruption hurricanes can cause.

NOAA has predicted a 60% chance of an above-normal Atlantic Hurricane season, which runs from June 1 to November 30. The 2025 season is expected to be especially active due to a confluence of factors, including warmer than average ocean temperatures and forecasted weak wind shear.
 


Whether your business is located on the coast or further inland, it's important to be prepared. These tips can help you prepare a plan of action: 
 

Before a Hurricane Is Predicted

• Develop a business continuity plan.
• Designate employee roles.
• Develop a written plan (i.e., measures to preserve life and property).
• Practice the plan.
• Establish communication procedures.
• Determine and stock necessary supplies.

After a Hurricane Is Predicted

• Take pictures of the facility for documentation purposes.
• Secure yard storage, machinery, and equipment.
• Inspect, repair, and clear all roof drains.
• Board up windows and doors.
• Place sandbags outside any opening to the building.
• Test emergency generators.
• Elevate important business property within the building in case of flooding.

During the Storm (If it is safe to stay on-site)

• Watch for roof leaks, pipe breakage, fire, or structural damage, and make repairs as necessary.
• Check the sprinkler water pressure and watch for loss of pressure.
• Turn off electrical switches if a power outage occurs to avoid reactivation before necessary checks are completed.

After the Storm

• Perform a status check on employees.
• Hire professionals to survey for safety hazards, including live wires, gas leaks, and damage to foundations or underground piping.
• Take photographs of the damage.
• Start repairs.
• Contact your Risk Advisor and carrier(s).

In the Event of a Hurricane-Related Claim

• During normal business hours, contact the Towne Insurance Claims Department at 833-563-1429 or Claims@TowneInsurance.com. Outside of normal business hours, please report claims directly to your insurance carrier.
• Assess damage. Make note of any structural damage to the building, damage to equipment, machinery, or vehicles, and any lost inventory.
• Compile a list of concerns that must be addressed before you are able to reopen.
• Compile sales records and history, along with profits and loss statements, or income tax forms, to share with your insurance adjuster.
• Keep detailed records of all expenses incurred during the recovery process.

By implementing an effective hurricane preparedness plan, businesses can mitigate potential damages and expedite recovery, allowing you and your team to focus on core operations without unnecessary delays. If you'd like to discuss your business's coverage, our Risk Advisors are here for you.