When the 2021 hurricane season began a few months ago, the National Oceanic and Atmospheric Administration (NOAA) predicted that this would be another active Atlantic hurricane season. 1 During the past week, two storms, Peace and Grace, passed near Puerto Rico and fortunately left only a few inches of rain in some parts of the island. We are now in the middle of what many experts consider to be the highest hurricane season in the Caribbean – September is the most active month.
Many property insurers are still waiting for Hurricane Maria to claim payment so they can continue with proper repairs. Meanwhile, their hope is that no other major hurricane will land in Puerto Rico.
It is important that property insurers are prepared each year for the hurricane season, especially those that have only mitigated and not fully repaired previous damage and that would be more vulnerable if another hurricane were to hit Puerto Rico. Some of the proposed measures are:
- Have an updated copy of your insurance.
- Take pictures of your property inside and out to get accurate evidence of the conditions.
- Attempt to mitigate ongoing damage such as water leaks, broken windows and doors.
- Save all receipts for the property's restrictive repairs and maintenance, especially those relating to roofs, windows, doors, walls, paint and other areas.
- Plan in advance how you can protect your property in the event of another storm or hurricane affecting the area, such as installing shutters, additional insurance coverage and removing all possible hazards to the property in the event of wind and water threats.
If you have any questions or concerns about your contact your insurance company and ask for answers to your questions and for a full copy of the insurance. Remember that the hurricane season ends in November, so there is still time to prepare and avoid property damage.