Preparing for the 2020 Hurricane Season
There are many things to think about as you are preparing for the hurricane season. Your home, supplies, evacuation routes, and this year, the implications of COVID-19. We’d like to encourage you to take the necessary steps to protect yourself and your business from any potential harm. Let our team of board-certified attorneys help you mitigate hurricane issues so that you have peace of mind knowing you are prepared.
ESC can help review and provide guidance on all storm-related issues, including the following:
1. Insurance policies for storm damage coverage and related rights and responsibilities
2. Potential liabilities for condominium associations
3. Consult on exercising powers for community associations
4. Construction risk for storm events
5. Leases, business documents, purchase agreements, and other contracts regarding force majeure, insurance, maintenance, and liability provisions.
Following social distancing guidelines? No problem. We are ready to assist you through virtual or phone appointments. Call us today at 850.433.6581.
What is a Hurricane?
A hurricane is a tropical cyclone, which generally forms in the tropics and is accompanied by thunderstorms and a counterclockwise circulation of winds. An intense tropical weather system of strong thunderstorms with a well-defined surface circulation and maximum sustained winds of 74 mph or higher
Tropical cyclones are classified in two ways, a tropical depression and tropical storm:
- Tropical Depression: An organized system of clouds and thunderstorms with a defined surface circulation and maximum sustained winds of 38 mph or less.
- Tropical Storm: An organized system of strong thunderstorms with a defined surface circulation and maximum sustained winds of 39-73 mph.
Hurricane Supply Kit
- Water - at least 1 gallon daily per person for 3 to 7 days
- Food - at least enough for 3 to 7 days for each person
- non-perishable packaged or canned food / juices / snack food
- foods for infants or the elderly
- non-electric can opener
- cooking tools / fuel (propane, charcoal, kerosene)
- paper plates / plastic utensils
- Blankets / pillows, etc.
- Clothing - seasonal / rain gear/ sturdy shoes
- First aid kit / medicines / prescription drugs
- Special Items - for babies and the elderly
- Toiletries / hygiene items / moisture wipes
- Flashlight / batteries / candles
- Radio - battery operated (weather radio is recommended)
- Cash - banks and ATMs may be closed
- Walkie-talkies / hard line phone (powered by the phone line directly)
- Keys - house / car / safe deposit box / storage facility / etc.
- Toys, books and games
- Important documents - in a waterproof container
- insurance, medical records, bank account numbers, Social Security card, etc.
- Tools - keep a set with you during the storm
- Vehicle fuel tanks filled / fill extra tanks for generator use
- Pet care items
- proper identification / immunization records / medications
- ample supply of food and water
- a carrier or cage
Family Diaster Plan
- Discuss the type of hazards that could affect your family. Know your home's vulnerability to storm surge, flooding and wind.
- Locate a safe room or the safest area in your home for each hurricane hazard. In certain circumstances the safest areas may not be your home but within your community.
- Determine escape routes from your home and places to meet (rally points); including a child's school, a neighbor's home or other public place.
- Have an out-of-state friend as a family contact, so all your family members have a single point of contact. Have at least 2 ways of contact; e-mail, phone, etc.
- Make a plan now for what to do with your pets if you need to evacuate.
- Post emergency telephone numbers by your phones and make sure your children know how and when to call 911.
- Check your insurance coverage - flood and wind damage may not be covered by homeowners insurance.
- Check your insurance limits of liability.
- Stock non-perishable emergency supplies within your hurricane supply kit.
- Use a weather radio. Remember to stock replacement batteries.
- Take First Aid, CPR and disaster preparedness classes.