{"id":1933,"date":"2024-08-29T08:03:41","date_gmt":"2024-08-29T13:03:41","guid":{"rendered":"https:\/\/www.bbrown.com\/?post_type=insight&p=1933"},"modified":"2025-08-01T11:48:24","modified_gmt":"2025-08-01T16:48:24","slug":"hurricane-impacts-the-aftermath","status":"publish","type":"insight","link":"https:\/\/www.bbrown.com\/us\/insight\/hurricane-impacts-the-aftermath\/","title":{"rendered":"Hurricane Impacts | The Aftermath"},"content":{"rendered":"

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Property & Casualty<\/p>\n

\n Hurricane Impacts | The Aftermath\n <\/h1>\n\t\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_row][vc_column width=”2\/3″]\n
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\n Hurricane Impacts | The Aftermath\n <\/h1>\n\t\n <\/div>[vc_column_text]Large-scale catastrophic events can have significant impacts on your business. The most obvious is direct damage to your facilities, which can also result in impaired operations. However, many secondary issues can have detrimental effects. Utilities (including power, water, sewer, gas, etc.) often become unreliable due to wind damage or flooding. Infrastructure can sustain damage, which impedes access to and from your facilities. Governmental or other civil authorities may issue orders that restrict access to your locations. Even if your business location is outside of a catastrophe-prone area, you can be impacted by a catastrophe if large customers or suppliers sustain damage, which hinders their production.<\/p>\n

Catastrophic conditions often trigger additional ancillary coverages included in many policies. Frequently, these additional coverages have their own sublimits, specific deductibles or waiting periods. It is essential to review your specific policy terms and conditions. The following discussion is not intended to be a comprehensive review of coverages. Instead, use the following to provide an idea of what to look for depending on your circumstances.<\/p>\n

Protection & Preservation of Property (Property Damage & Time Element)<\/h3>\n

An insured incurs costs to temporarily protect a property from an impending threat (for example, boarding up in advance of a hurricane). This impending threat may also cause a business to shut down, resulting in a loss of income. Issues to consider specific to this coverage may include:<\/p>\n