Area devastated by a hurricane shows damaged buildings & vehicles and downed trees and debris. Depending on a storm’s severity, adjusters may not be able to access a disaster site for anywhere from 24 hours to several days after a hurricane. (Photo: Terry Kelly/

Although the 2022 Atlantic hurricane season has been relatively quiet thus far, the National Oceanic and Atmospheric Association (NOAA) still predicted a 60% chance of an above-normal year in its revised forecast. Therefore, the time is now for insurance companies to prepare for the next landfalling catastrophe.

Post-hurricane, adjusters are ready to survey insurance costs. But depending on the storm’s severity, you may not access the disaster site for at least 24 hours — or up to four days post-hurricane. The damage you’ll survey will depend on when you access the site. No matter when you arrive on the scene, we recommend the following post-CAT protocol to maximize your efforts.

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