Hurricane Season Begins

Natural disasters are becoming more intense and frequent. Therefore, it is important to take measures for adequate preparation, prevent damage as possible, restore operations promptly and in case of loss; details to process your claim in an agile way.

At the beginning of the Hurricane Season you should keep in mind the following points:

1. Review and enforce contingency plan and business continuity.
2. Prepare inventory of essential items as well as tools, equipment and shutters.
3. Ensure that your policies and endorsements that increase or include properties and / or cars and / or equipment, among others; are paid. 
4. Review your insured limits, including structure limit, content inventory and business interruption, among others and if you are interested in flood coverage. Remember, once the hurricane warning is given, insurers:
   • They do not accept increases in property limit.
   • They do not accept increases in the limit of business interruption.
   • They do not accept to add new properties to the current policies.
   • They also do not accept to sign a new business until the notice is withdrawn.
5. Create a detailed photo file of the properties and property.
6. Protect the property against imminent damage.
7. Check trees that may be a threat to your property and business, check additional drains of your property.
8. Clean the premises of equipment, merchandise and other loose materials that may be dangerous.
9. Test the electric emergency generators under load and check tanks.
10. Check tanks.
11. Take into consideration the business continuity, supply and / or initiatives that you can provide to your human capital, to give continuity to the business
12. Evaluate a disaster resilience plan for their employment (talks before and after)
13. Take into consideration other methods of additional communication to telephones and traditional internet (satellite), Face Book Live, for the continuity of your business
14. Check your remote connection
15. Establish Gasoline and / or Gas supply agreements for business continuity.
16. Evaluate the possibility of an alternative site, so after the emergency continue its operation

After the event, you must take into consideration the following points:

1. Communicate with us as soon as possible.
2. Protect property from:
   • Additional damages
   • Theft
3. Take pictures of the damage.
4. Separate and save damaged property.
5. Take inventory of damaged property.
6. Take as soon as possible the necessary measures to restore its operations totally or partially.
7. Keep separate accounting of expenses incurred.

If necessary, contact the Claims Department.