How Much Damage Can a Cat 5 Hurricane Do To Your Business?

Wednesday, September 20th, 2023

Air and water can be devastating if they move fast enough and have enough volume. In a hurricane, you get both moving at speeds starting at 74 miles an hour. Hurricanes are placed in categories depending on how fast they are, with category one being the slowest and category five being the fastest. Category 5 or cat 5 hurricanes have wind speeds of over 156 miles an hour and can come with heavy showers.

Such hurricanes can cause devastation and extensive damage to businesses and their infrastructures. The extent of the damage depends on several factors, including the path the hurricane takes, the area’s vulnerability to hurricanes, and how prepared the business is for such weather events.

Businesses that are destroyed or suffer damage during a hurricane can make property loss claims that can help them carry out the necessary repairs and get back on their feet. So, what kinds of damage can a Category Five hurricane cause?

Structural Damage

The most visible damage caused by a storm is structural damage. As the wind picks up, it may rip shingles from the roof or cause it to collapse. Once wind speeds hit Category 5 speeds, we see damage to walls, windows, and outdoor structures like decks and patios. Depending on their structural integrity, structures may be blown away by the wind, necessitating new ones because repairs would not be possible then.

In cases where the structure remains standing, which is improbable, but it happens, the extensive damage caused by the strong winds and heavy showers means the business would have to undertake significant repairs or tear down the building to start over. The result is additional costs that the business can claim from their insurance provider.

Flooding Can Cause Severe Damage

Category 5 hurricanes also come with storm surges and heavy rainfall that can lead to widespread flooding, mainly in coastal areas. However, other areas can get flooded depending on several factors, such as the grade of the land and mitigation measures taken to protect against flooding. Areas can also flood if the flow of water is impeded by structures, such that it flows from the area slowly.

Flooding destroys everything in the flooded area, including equipment, cars, structures, and inventory, leading to massive losses for businesses.

Any buildings that are partially or fully flooded will remain uninhabitable for a few weeks. Business owners have to wait for the flooding to stop and then clean their buildings to get rid of anything the flood water brought in. They then have to dry the building thoroughly to protect against issues such as mold and additional structure damage from prolonged dampness.

Power Outages

Category 5 hurricanes also knock down power lines. Even though that would not have a huge impact on businesses in the hurricane’s path because they are likely evacuated anyway, it can disrupt businesses in the surrounding areas. Widespread power outages like this means affected businesses cannot use devices that depend on electricity.

Additionally, crime often spikes when there is no power, so businesses must also think about protecting themselves from losses associated with theft. They can incur costs associated with putting security measures in place to protect themselves, or ensure they have proper insurance so they are protected from the costs associated with the power outage and any looting that may occur.

Lost Revenue Due to Business Interruptions

All the above – flooring, power outages, and structural damage – can lead to business disruption depending on how long they continue. Businesses can suffer long-term financial losses and must also deal with short-term revenue losses. All of this is on top of the expenses they incur getting their buildings in order and their businesses back up and running.

Business disruptions can also occur due to evacuations before and during a hurricane. Employee safety is crucial, so businesses should evacuate their premises in case of such events, which leads to them shutting down temporarily.

Even in cases where repairs are not required or the business does not need to recover from other damage, employees may be unable to return to work. This happens due to disruption to infrastructure and surrounding transportation networks. The latter compounds the issue further and leads to additional losses.

Category 5 Hurricanes Cause Supply Chain Disruptions

Transportation and logistics networks do not work when a Category 5 hurricane is on the way. Once these networks stop working, whole supply chains are disrupted. As with power outages, the effects of such disruptions are felt by businesses in the immediate and surrounding areas.

Businesses not directly impacted by the strong winds, heavy rainfall, flooding, and other hurricane events might experience delays in receiving essential products and materials. The result is production delays and potential revenue loss.

They may also lose some of their customers who do not receive their shipped products in time and choose to go with a competitor who can ship the products.

Hurricanes Can Cause Data Loss

Businesses collect a lot of data that they use to serve their customers better, enhance their marketing, understand their competition, and much more. Sadly, many businesses do not follow proper data backup policies and strategies and end up storing their data onsite.

Businesses that do this put themselves at risk of losing the data in case of a hurricane. For this reason, all businesses must have off-site data backups in place, and they should also work with specialists to ensure they can recover their data easily.

Businesses Can Pay Higher Insurance Costs

Insurance providers want to make as much money as possible while paying as little as they can get away with. This is why it is common for businesses in areas that experience hurricanes to pay higher insurance premiums than those located in other areas. They are also more likely to face higher deductibles to cover regular payouts.

A category 5 hurricane is the strongest hurricane we can categorize right now, with winds faster than 157 miles per hour. These winds and the heavy rain that accompanies them can cause a lot of damage and cost businesses a lot of money. Businesses that have suffered such damage can make a claim with the help of our insurance claim advocates at Storm Damage, so they can start rebuilding.

You can visit our offices at 200 Lake Morton Drive, Suite 300, Lakeland, FL 33801 to talk to one of our team members about specific concerns or to ask any questions you have.

You can also call us today for a free consultation at (833) 941-7867.

5 Simple Protective Measures Every Homeowner Must Take Before Hurricane Season Begins

Saturday, September 16th, 2023

Have you moved into an area that experiences ‘hurricane season’? Are you a homeowner and have not experienced a hurricane before? Here are some simple prep steps that everyone can do to get ready for hurricane season, and they can all save time, stress, and money.

Put a Plan in Place

When there is a hurricane watch or warning, you and your family need to know what to do and what their responsibilities are. A hurricane watch is often announced when conditions are worsening, and hurricane-force winds are likely in the next 48 hours. When a warning is announced in the media, including TV, radio, and other forms of communication, a hurricane is expected to hit the area soon. Everyone needs to know what to do and where to go when it is announced.

Keep Supplies Prepped for an Emergency

Food, water, energy, and emergency supplies should be stored in your home somewhere if you live in a hurricane zone. The aftermath of a hurricane could leave you without power for days, so having batteries, portable solar chargers, and even a generator can be vital. Medical and emergency supplies are important too. Neighbors, friends, and even family could be injured during the event, and an emergency medical kit to treat them could be lifesaving.

Prepare Your Home and Yard

Before hurricane season begins in your area, clear your yard of anything that could be whipped up by the winds and become a destructive force to your home or someone else’s. Bikes, lawn furniture, and barbeque grills are all common culprits for storm damage in residential areas. Cover up windows if possible, adding ‘storm shutters’ to help protect your home and reduce the chance of window glass blowing inside and causing injury.

Review Your Insurance Policies

Before hurricane season arrives, you should check your home and car insurance policies to make sure you are covered for the costs of any damages. You may have specific responsibilities in the aftermath of a hurricane or storm, including getting repair estimates and damage assessments.

The insurance claim process can often be long and complicated after a natural event or disaster like a hurricane, due to the volume of claims. Getting help with the preparation and submission of your claim is a good idea to help avoid delays and ensure all the information insurance companies need is included in your claim.

Look Out For ‘Stay at Home’ Or ‘Evacuate’ Orders

Always listen to the authorities during a hurricane watch or warning and stay up to date with local news. Evacuate orders are less common and must be followed closely. Have a family plan for what to do in the event of an evacuation order, especially if you are separated when the order is given.

In the wake of a hurricane, Storm Damage is here to help. We can help you to make your claim, assess the damage, and assist you through the insurance claims process to make sure you get the coverage you have paid for.

To get the help and assistance you need to make a successful insurance claim for damages and loss incurred in a hurricane:

You can visit us at: 200 Lake Morton Drive, Suite 300, Lakeland, FL 33801

Or call us today for a free consultation on (833) 941-7867.

How to Protect Your Roof from Storm Damage

Thursday, August 3rd, 2023

Your roof is one of the most critical components of your home’s structure. It shields you from the elements and keeps you safe and comfortable. However, during severe storms, your roof can be subjected to significant damage from strong winds, heavy rain, hail, or falling debris. To avoid costly repairs and ensure the longevity of your roof, it’s essential to take proactive measures to protect it from storm damage. In this guide, we’ll provide you with valuable tips and insights on how to safeguard your roof and keep it in top condition.

Regular Roof Inspections

Performing regular roof inspections is crucial for identifying and addressing potential issues before they become major problems. While you can conduct a visual inspection yourself, it’s advisable to hire a professional roofing contractor who has the expertise to spot even the smallest signs of damage. A comprehensive inspection should include checking for loose or damaged shingles, cracks, leaks, and signs of wear and tear. By identifying and fixing these issues early on, you can prevent them from escalating into more severe problems during storms.

Reinforce Your Roof

If you live in an area prone to storms, reinforcing your roof is an excellent proactive measure. Consider using impact-resistant roofing materials that are specifically designed to withstand high winds, hail, and falling debris. These materials, such as impact-resistant shingles or metal roofing, provide an extra layer of protection and can significantly reduce the risk of storm damage. Plus, reinforcing your roof’s structure with bracing techniques can enhance its durability and stability.

Trim Overhanging Trees

During storms, strong winds can cause tree branches to break and fall onto your roof, causing extensive damage. To minimize this risk, make sure to trim overhanging tree limbs regularly. By keeping trees well-maintained and trimmed away from your roof, you can reduce the chance of branches damaging your roof or puncturing shingles during storms. If you are uncertain about the proper way to trim trees near your home, consult with a professional arborist or tree service.

Secure Loose Objects

Strong winds during storms can turn loose objects into dangerous projectiles that can cause severe damage to your roof. Take the time to secure or store any loose items in your yard or on your roof, such as patio furniture, grills, potted plants, and toys. Anchor larger items to the ground, like sheds or playsets, to prevent them from being blown away or into your roof. By securing these objects, you minimize the risk of them being tossed around by strong winds and potentially causing harm to your roof or other parts of your property.

Clean and Maintain Gutters

Maintaining clean and functional gutters is essential for proper water drainage from your roof. Clogged gutters can lead to water buildup, which can seep under your roof shingles and cause leaks and water damage. Before stormy seasons, ensure that your gutters are free from debris, such as leaves, twigs, or dirt. Regularly inspect and clean your gutters and consider installing gutter guards to prevent debris from accumulating. Properly functioning gutters will help redirect water away from your roof, reducing the risk of water damage during storms.

Install Impact-Resistant Windows and Doors

While it may seem unrelated to your roof’s protection, installing impact-resistant windows and doors can actually play a significant role in safeguarding your entire home during storms. These specially designed windows and doors are built to withstand strong winds and flying debris, reducing the risk of breakage and structural damage. By preventing the entry of wind and rain through broken windows or doors, you minimize the chances of roof damage caused by interior pressure changes during storms.

Reinforce Roof Anchors and Connections

Roof anchors and connections are critical for the stability and integrity of your roof. During storms, high winds can exert significant pressure on your roof, potentially causing it to lift or detach. To prevent this, consider reinforcing the roof anchors and connections. Consult with a professional roofing contractor who can assess your roof’s current anchors and connections and recommend suitable reinforcements. By strengthening these vital elements, you enhance your roof’s ability to withstand strong winds and reduce the risk of storm damage.

Lighting Protection System

During thunderstorms, lightning strikes can pose a significant risk to your roof and overall home safety. Installing a lighting protection system can help mitigate the potential damage caused by lightning strikes. This system consists of lightning rods, conductors, and grounding equipment that are strategically placed on your roof and connected to the ground. When lightning strikes, the system safely channels the electrical energy away from your roof and directs it into the ground, reducing the risk of fire or structural damage. Consulting with a professional electrician or lighting protection specialist can help you determine the most appropriate system for your home.

Invest in Roof Insurance Coverage

No matter how well you prepare and protect your roof, it’s always wise to have insurance coverage that includes storm damage. Review your homeowner’s insurance policy and ensure that it adequately covers roof repairs or replacement due to storm related incidents. If necessary, consider upgrading your policy to include comprehensive roof coverage. Having the right insurance provides you with peace of mind, knowing that you are financially protected in the event of severe storm damage to your roof.

When it comes to protecting your property from storm damage, or if you’ve already experienced damage to your roof, you need a team of experts on your site. At Storm Damage, we are a trusted group of attorneys, claims consultants, and contractors with over thirty years of experience in dealing with the aftermath of severe weather events. Our dedicated professionals understand the complexities of insurance claims and the intricacies of repairing and restoring storm-damaged properties.

Don’t navigate the challenges of storm damage alone. Our team is here to provide you with the knowledge, support, and expertise you need to ensure a smooth and successful recovery process.

Contact us today at:

200 Lake Morton Drive, Suite 300, Lakeland, FL 33801 Call us today for a free consultation on (833) 941-7867.

Which States are Most at Risk from Hurricanes?

Saturday, July 29th, 2023

When it comes to hurricanes, certain states in the United States are more susceptible to their destructive forces than others. With their powerful winds, heavy rainfall, and storm surges, hurricanes can wreak havoc on coastal communities and even affect inland areas. If you are wondering which states are most at risk from hurricanes, this post will provide you with valuable insights and important information.

The Atlantic hurricane season, which runs from June 1st to November 30th, poses a significant threat to many states along the Eastern Seaboard and the Gulf Coast. While hurricanes can occur anywhere along these coastlines, some states are particularly vulnerable due to their geographical location, climate conditions, and exposure to warm ocean waters.


Florida is often at the top of the list in terms of hurricane risk. Its long coastline, extending into both the Atlantic Ocean and the Gulf of Mexico, leaves it exposed to hurricanes from different direction. Notable hurricanes that have impacted Florida include Hurricane Andrew in 1992 and Hurricane Irma in 2017.


Louisiana, located along the Gulf Coast, faces the constant threat of hurricanes. Its low-lying coastal areas and proximity to warm Gulf waters make it highly susceptible to storm surges and flooding. Hurricane Katrina, one of the most devastating hurricanes in U.S. history, struck Louisiana in 2005, causing widespread destruction.


Texas, with its extensive coastline along the Gulf of Mexico, is also at significant risk from hurricanes. Cities like Houston and Galveston have experienced the devastating impact of hurricanes such as Hurricane Harvey in 2017. The state’s size and population density make hurricane evacuation and response challenging.

North Carolina

Situated on the Atlantic Coast, North Carolina is prone to hurricanes making landfall. The Outer Banks region, a popular tourist destination, is particularly exposed to the impacts of hurricanes. Hurricane Florence in 2018 caused significant damage and severe flooding in parts of the state.

South Carolina

Sharing a similar vulnerability with its neighboring state, South Carolina is also exposed to hurricanes originating from the Atlantic Ocean. Coastal areas, including Charleston, face the risk of storm surge, heavy rainfall, and strong winds. Hurricanes such as Hugo in 1989 have left lasting impacts on the state.


Located along the Gulf Coast, Mississippi experiences a considerable hurricane risk. Cities like Gulfport and Biloxi have witnessed the destructive power of hurricanes, including Hurricane Katrina. The state continues to focus on hurricane preparedness and resilience to minimize the impact of future storms.


While it is not located directly on the coast, Alabama can still be affected by hurricanes. Coastal areas like Mobile are at higher risk due to their proximity to the Gulf of Mexico. Hurricane Sally in 2020 caused significant flooding and damage in parts of Alabama, highlighting the state’s vulnerability.

If you are living in one of these states and have experienced hurricane damage to your home, look no further than Storm Damage. With our team of skilled attorneys, contractors, and claims consultants, we have a wealth of experience dating back to the devastating Hurricane Andrew over thirty years ago. We’re dedicated to helping you navigate the complex process of storm damage claims and restoration.

Contact us today for a consultation:

200 Lake Morton Drive, Suite 300, Lakeland, FL 33801 Call us today for a free consultation on (833) 941-7867.

Why Insurance Companies Don’t Always Pay Up

Tuesday, July 11th, 2023

Dealing with the aftermath of a storm can be overwhelming, to say the least. From property damage to emotional distress and even physical injuries, storms can wreak havoc on our lives. That’s why we rely on insurance companies to provide the financial support that we need to recover and rebuild. However, despite paying premiums faithfully, policyholders often find themselves facing unexpected hurdles when it comes to getting their claims approved. In this post, we explore the reasons why insurance companies don’t always pay up, shedding light on the complexities of the claims process and the importance of seeking legal representation.

Ambiguous Policy Language

Insurance policies are notorious for their complex and lengthy terms and conditions. The language used in these policies can often be confusing and open to interpretation. Insurance companies may exploit this ambiguity to their advantage when processing claims. They may argue that certain damages are not covered due to loopholes or exclusions buried deep within the policy language. Without proper legal guidance, policyholders may struggle to navigate these intricacies and get the compensation they deserve.

Undervaluation of Damages

Insurance companies employ adjusters who assess the damages incurred by policyholders. However, these adjusters are often working in the best interests of the insurance company, with the main aim of minimizing payouts. They may undervalue the extent of the damages, leading to inadequate compensation for policyholders. This undervaluation can be especially problematic in the case of storm damage, where the full extent of the destruction may not be immediately obvious.

Delay Tactics

Time is of the essence when it comes to recovering from storm damage. Unfortunately, insurance companies are known for employing delay tactics to wear policyholders down. Lengthy investigations, repeated requests for documentation, and unnecessary bureaucratic procedures can all contribute to the claims process being delayed. This can be an incredibly frustrating experience for individuals who are already struggling with the physical and emotional toll of the storm.

Denial of Claims

Perhaps the most disheartening situation is when an insurance company outright denies a legitimate claim. Insurance companies may argue that the damage was not caused by the storm or that it falls outside the policy coverage. They may also cite alleged policy violations or technicalities to justify claim denials. For policyholders, this can be a devastating experience, as they may have counted on the insurance payout to start the process of rebuilding.

Inadequate Documentation

Proper documentation is essential when filing an insurance claim. However, policyholders often struggle to provide the necessary evidence to substantiate their losses fully. This may be due to a lack of knowledge about the required documentation, or simply being overwhelmed by the situation. Insurance companies may take advantage of inadequate documentation to dispute the validity of the claim.

Conflict of Interest

Insurance companies are profit-oriented organizations. While they do have a legal obligation to honor a valid claim, their own financial interests can sometimes create a conflict of interest. It’s not uncommon to see insurance companies prioritize their own bottom line over the welfare of their policyholders. This can, in some cases, even lead to unethical practices, such as underpayments or unjustified claim denials.

How You Can Increase the Chance of a Payout

Dealing with storm damage and the insurance claims process can be a daunting task, especially if faced with the risk of not getting a payout or being underpaid. Luckily, there are steps you can take to increase the likelihood of a successful payout. Some strategies to keep in mind are as follows:

Understand Your Policy Coverage

The first step in increasing your chances of a payout is to have a thorough understanding of your insurance policy coverage. Familiarize yourself with the terms, conditions, and exclusions of your policy. This knowledge will empower you to assert your rights and make informed decisions throughout the claims process.

Document the Damage

Proper documentation is key when it comes to making an insurance claim. Take detailed photos and videos of all the damage caused by the storm. Capture different angles and perspectives to provide a comprehensive visual record. Plus, it’s a wise idea to make a list of all items that have been damaged or destroyed in the storm, including their approximate value. The more evidence you have, the stronger your case will be.

Report the Claim Promptly

When it comes to filing an insurance claim, timing is crucial. Report the damage and start the claims process as soon as possible after the storm. Delaying the claim may give your insurance company grounds to suggest that the damages are not significant, or you are not taking the situation seriously.

Keep Detailed Records

Maintain a thorough record of all communication with the insurance company, including dates, names of representatives you speak to, and summaries of conversations you have. This documentation is crucial in case any disputes or discrepancies arise during the claims process. It provides a clear account of the steps you’ve taken and serves as evidence of your diligence.

Obtain Repair Estimates

Get repair estimates from reputable contractors or professionals who specialize in storm damage repairs. These estimates should outline the scope of the necessary work and the associated costs. Multiple estimates can strengthen your case, by demonstrating an expert consensus regarding the extent of the damages.

When to Hire a Lawyer

In the face of storm damage, it’s crucial to take action to protect your rights and maximize your chance of a fair payout. If your insurance company is using delaying tactics, offering undervalued settlements, or engaging any other strategies to avoid paying you the compensation you deserve, speak to our team of experts today.

At Storm Damage, we bring decades of experience to the table and specialize in insurance claims. We have a deep knowledge of storm damage restoration and work tirelessly to ensure you have the best chance of getting the compensation you are entitled to.

Don’t face the challenges of cleaning up after a storm alone – contact our professionals today to guide you through the process, protect your rights, and help you rebuild. Our contact information is as follows:

200 Lake Morton Drive, Suite 300, Lakeland, FL 33801

Call us today for a free consultation on (833) 941-7867.