Understanding the Risk: 2025 Atlantic Hurricane Season Forecast
According to meteorologists from the National Weather Service (NWS) of NOAA, the 2025 Atlantic hurricane season is expected to have above-normal activity. The NWS predicts a 30% chance of nearly normal season, a 60% probability of an above-normal season, and a 10% chance of a below-normal season from June 1 to November 30.
Preparation Measures
- Install barriers: In vulnerable areas of your property to protect against storm surges and flooding.
- Check the condition of hurricane shutters, storm screens, and metal structures if you live in a coastal or high-risk area.
- Stay updated with bulletins from the NWS, Capitanía de Puerto, and Protección Civil.
What to Do Before, During, and After a Hurricane
- Before impact: Inspect roofs, drains, and structures. Ensure they meet local standards. Secure or elevate valuable items. Establish a communication plan with family or neighbors.
- During the emergency: Document everything (photos, videos, notes) for potential claims. Move hazardous substances to safe locations. Ensure generators are functional and have adequate fuel if you have one.
- After the hurricane: Carefully inspect your property before re-occupation or use. Stay informed with local authorities for updated information. Coordinate urgent repairs with reliable providers if there are damages.
Additional Recommendations
- Prepare an emergency kit: Include flashlights, a battery-powered radio, first aid supplies, potable water, and non-perishable food.
- Monitor official weather reports constantly.
- In case of damage, report the incident immediately to your insurance company or advisor.
How Insurance Can Help in Case of Natural Disasters
Having appropriate coverage can make a significant difference between quick recovery or a challenging loss.
- Catastrophe (CAT) Insurance: Designed to cover damages caused by natural phenomena like hurricanes, floods, or earthquakes. It protects both tangible assets and business or commercial activity interruptions.
- Parametric Insurance: An innovative alternative that doesn’t require damage inspections. It activates automatically when a predetermined condition is met (like a certain amount of rainfall or wind speed), releasing immediate resources for recovery.
Reporting a Claim
- Contact your insurance company or advisor. Have your policy number, a description of the incident, contact information, and someone available on-site.
- Do not discard damaged items before assessing the extent of damage.
- Inform local fire or protection services.
- Prevent further damage.
- Take photos or videos of visible damages.
- An insurance representative will contact you to guide the next steps.
The best way to protect your assets is through prevention, having the right information, taking preventive measures, and understanding your insurance options can help you face any eventuality with greater peace of mind.
