{"id":44126,"date":"2025-09-26T21:38:20","date_gmt":"2025-09-26T21:38:20","guid":{"rendered":"https:\/\/desarrollo5586.live-website.com\/?p=44126"},"modified":"2025-10-01T16:52:00","modified_gmt":"2025-10-01T16:52:00","slug":"hurricane-preparedness-business-insurance-tips","status":"publish","type":"post","link":"https:\/\/desarrollo5586.live-website.com\/en\/hurricane-preparedness-business-insurance-tips\/","title":{"rendered":"Hurricane Preparedness\u2014Insurance Tips to Help Your Business Weather the Storm"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"44126\" class=\"elementor elementor-44126\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dcffb8e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dcffb8e\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ec6006d\" data-id=\"ec6006d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52c346c elementor-widget elementor-widget-image\" data-id=\"52c346c\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.huntonak.com\/en\/%20\" target=\"_blank\">\n\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/preview-1.jpg\" title=\"preview\" alt=\"preview\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-86a6847\" data-id=\"86a6847\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efe82a7 elementor-mobile-align-center elementor-widget__width-initial elementor-widget-mobile__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"efe82a7\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" id=\"Capa_1\" height=\"512\" viewBox=\"0 0 567.6 567.6\" width=\"512\"><g><g id=\"Layer_2_00000128476315202531491510000008531801051533896102_\"><path d=\"m118.8 409.2h92.4v132h-92.4z\"><\/path><path d=\"m257.4 26.4h-184.8c-40.084.029-72.571 32.516-72.6 72.6v369.6c.029 40.084 32.516 72.571 72.6 72.6h6.6v-138.6c.029-18.213 14.787-32.971 33-33h105.6c18.213.029 32.971 14.787 33 33v138.6h59.4c10.935 0 19.8-8.865 19.8-19.8v-422.4c-.029-40.084-32.516-72.571-72.6-72.6zm-145.2 297c-14.58 0-26.4-11.82-26.4-26.4s11.82-26.4 26.4-26.4 26.4 11.82 26.4 26.4-11.82 26.4-26.4 26.4zm0-79.2c-14.58 0-26.4-11.82-26.4-26.4s11.82-26.4 26.4-26.4 26.4 11.82 26.4 26.4-11.82 26.4-26.4 26.4zm0-79.2c-14.58 0-26.4-11.82-26.4-26.4s11.82-26.4 26.4-26.4 26.4 11.82 26.4 26.4-11.82 26.4-26.4 26.4zm105.6 158.4c-14.58 0-26.4-11.82-26.4-26.4s11.82-26.4 26.4-26.4 26.4 11.82 26.4 26.4-11.82 26.4-26.4 26.4zm0-79.2c-14.58 0-26.4-11.82-26.4-26.4s11.82-26.4 26.4-26.4 26.4 11.82 26.4 26.4-11.82 26.4-26.4 26.4zm0-79.2c-14.58 0-26.4-11.82-26.4-26.4s11.82-26.4 26.4-26.4 26.4 11.82 26.4 26.4-11.82 26.4-26.4 26.4z\"><\/path><path d=\"m495 132h-105.6c-25.503.029-46.171 20.697-46.2 46.2v343.2c0 10.935 8.865 19.8 19.8 19.8h132c40.084-.029 72.571-32.516 72.6-72.6v-264c-.029-40.084-32.516-72.571-72.6-72.6zm-26.4 303.6h-52.8c-10.935 0-19.8-8.865-19.8-19.8s8.865-19.8 19.8-19.8h52.8c10.935 0 19.8 8.865 19.8 19.8s-8.865 19.8-19.8 19.8zm0-79.2h-52.8c-10.935 0-19.8-8.865-19.8-19.8s8.865-19.8 19.8-19.8h52.8c10.935 0 19.8 8.865 19.8 19.8s-8.865 19.8-19.8 19.8zm0-79.2h-52.8c-10.935 0-19.8-8.865-19.8-19.8s8.865-19.8 19.8-19.8h52.8c10.935 0 19.8 8.865 19.8 19.8s-8.865 19.8-19.8 19.8z\"><\/path><\/g><\/g><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">By: Hunton Andrews Kurth<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6bdb9f36 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bdb9f36\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1e5288d3\" data-id=\"1e5288d3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1677c3a2 elementor-widget elementor-widget-text-editor\" data-id=\"1677c3a2\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Hurricane season is upon us and, once again, NOAA, the National Oceanic and Atmospheric Administration, predicts an above-normal Atlantic hurricane season. According to NOAA, the season\u2014which runs through November\u2014could bring as many as 19 named storms, 10 hurricanes and 5 major hurricanes. For any business that might be affected, even worse than the storm itself is the thought that your insurance may be inadequate or that you (or someone you rely on) failed to comply with the policy and properly document the insurance claim.<\/p>\n<p><br><\/p>\n<p><em>Now <\/em>is the time to ensure appropriate hurricane protection and confirm that those responsible understand all essential conditions for coverage and have a clear plan in place to ensure that all necessary steps are taken in the event of a loss. Below are 10 key tips to ensure your business is positioned to maximize recovery after a storm.<\/p>\n<p><br><\/p>\n<p><\/p>\n<h2>Before a storm, make sure you know what your policy covers.<\/h2>\n<ol>\n<li><b>Know what type of damage is covered, and what is not.<\/b><\/li>\n<\/ol>\n<p>Most commercial property policies provide coverage for all risks of physical loss or damage to property unless a risk is excluded. In hurricane-prone areas, commercial property insurance policies may exclude hurricane and windstorm damage, contain a much higher-deductible for these risks or reduce coverage by use of a sublimit. The first time that a business considers these issues should not be after a catastrophic event. Analyze your policy to determine whether and how much coverage is afforded for your central risks, including:<\/p>\n<ul>\n<li>Flood damage, even if caused by a storm surge or wind-driven<\/li>\n<li>Physical loss or damage to insured property, including whether the policy includes replacement cost coverage (to cover costs to replace or rebuild damaged property) rather than actual cash value coverage (which covers only the depreciated value of your damaged property).<\/li>\n<li>Spoilage coverage for perishable goods\u2014particularly important for businesses in food service or grocery.<\/li>\n<li>Debris removal, which is typically subject to a<\/li>\n<li>Business interruption and extra expense coverage, which covers loss of income and increased temporary operating expenses incurred while repairs are being Determine if your policy provides extended period of indemnity coverage for costs incurred in ramping back to normal operating levels after repairs are complete.<\/li>\n<li>Ingress and egress coverage to cover lost business income when entry or exit from the property is not possible because of property damage, such as blocked roads or broken bridges.<\/li>\n<li>Contingent business interruption coverage, to cover lost business income because of disruptions in supply chain caused by physical damage at other locations in your supply chain or physical damage to customers or attraction properties.<\/li>\n<li>Civil authority coverage to cover lost business income due to governmental orders, including curfews or other<\/li>\n<li>Damage to improvements such as signage, fencing, landscaping and<\/li>\n<\/ul>\n<ol start=\"2\">\n<li><b>Know what assests are covered.<\/b><\/li>\n<\/ol>\n<p>Policyholders should consider whether all relevant property is identified on the appropriate schedule of insured locations. For example, are newly acquired locations included? Does your policy require that they be \u201cscheduled\u201d or does the policy contain a provision that captures these \u201cafter-acquired\u201d locations without the need for a schedule? If the policy requires a schedule, be sure it is as up-to-date as possible before a storm.<\/p>\n<ol start=\"3\">\n<li><b>Understand the policy\u2019s causation language.<\/b><\/li>\n<\/ol>\n<p>Businesses might presume that losses caused by hurricane are covered so long as they purchased hurricane coverage. This is not always the case, and the coverage question can be far more nuanced. Most policies include an \u201canti-concurrent causation\u201d provision that removes coverage for damage caused directly or indirectly by an excluded peril regardless of whether any other cause contributed to the loss. These provisions are enforceable and must be taken seriously. Accordingly, expect the insurer to scrutinize whether an excluded peril caused or contributed to the damage, which may include flooding. When a covered peril and an excluded peril both contribute to damaged property, some policy language will yield coverage; some will not. Knowing the difference ahead of time\u2014and how a given state\u2019s law may dictate the outcome\u2014is vital.<\/p>\n<ol start=\"4\">\n<li><b>Consider whether additional lines of coverage are needed.<\/b><\/li>\n<\/ol>\n<p>Once you have reviewed your policy, consider if any additional lines of coverage are needed to ensure full protection for your business. For example, property insurers often limit coverage for flood damage, either by a sublimit or through exclusions. If your business is susceptible to flooding, consider whether a separate policy is needed. Do not assume that \u201churricane coverage\u201d means coverage for anything and everything that could be associated with a hurricane.<\/p>\n<p><\/p>\n<ol start=\"5\">\n<li><b>Make sure you are aware of any deadlines in the policy.<\/b><\/li>\n<\/ol>\n<p>Generally, property insurance policies require prompt notice to the insurer and detail how that notice is to be provided and to whom. Further, statutory law in certain jurisdictions provides additional deadlines for notice.<\/p>\n<p>For example, in Florida, property damage must be reported within one year of the date of the loss or the claim will be barred. Additionally, notice of a supplemental claim must be given within 18 months of the loss. Note that the \u201cdate of loss\u201d for hurricanes is the date that the hurricane made landfall. <em>See <\/em>Florida Statute \u00a7 627.70132.<\/p>\n<ol start=\"6\">\n<li><b>Make note of your duties under the policy.<\/b><\/li>\n<\/ol>\n<p>Most policies have a section entitled \u201cDuties in the Event of Loss\u201d which details any duties an insured has under the policy in the event of a loss. Compliance is essential. These duties might include taking reasonable steps to prevent further damage to property and providing the insurer an opportunity to review any damage before it is remediated. The failure to carry out these duties may provide the insurer a basis to deny or limit coverage.<\/p>\n<ol start=\"7\">\n<li><b>Be aware of any appraisal provisions.<\/b><\/li>\n<\/ol>\n<p>Not all policies allow an insured to resort to litigation to resolve coverage disputes. Some policies include a dispute resolution method known as appraisal\u2014an alternative to traditional litigation that can be equally (if not more) costly. In other instances, statute may require arbitration to determine disputes over valuation as a condition precedent to litigation.<\/p>\n<p><br><\/p>\n<p>Generally, these contractual or statutory provisions can be invoked by either an insured or insurer and typically include a timeline to follow (addressing things such as the appointment of arbitrators). Be sure to note this timeline so you are prepared if the insurer invokes arbitration.<\/p>\n<p><br><\/p>\n<p><\/p>\n<h2>After a storm, ensure a coordinated response and claims process.<\/h2>\n<ol start=\"8\">\n<li><b>Document your mitigation offorts.<\/b><\/li>\n<\/ol>\n<p>Property insurance policies typically include a duty to mitigate losses. This can be generally understood as any prompt effort required to avoid further damage to property. These efforts, however, must also be balanced against an insurer\u2019s desire to evaluate the damage before it is remediated. Taking photos before and after a storm and prior to any mitigation efforts can avoid disputes over what damage was actually caused by the storm. Be sure to retain invoices for any mitigation efforts as these costs could be covered by insurance.<\/p>\n<p>Documenting the condition of post-loss property and your mitigation efforts is critical during the formal claims process and can be pivotal to preserving coverage.<\/p>\n<ol start=\"9\">\n<li><b>Prepare a proof of loss.<\/b><\/li>\n<\/ol>\n<p>Verify if your insurer requires you to submit a proof of loss, outlining the amount being claimed as storm-related loss, and what the timeframe is for when it must be submitted. Some policies require that a proof of loss be submitted relatively quickly (often within 60 days). If your insurer requires a proof of loss, ensure that the document is reviewed by coverage counsel before submitting it because it can be used to limit your recovery. Depending on the jurisdiction and policy language, a failure to provide a proof of loss in the policy\u2019s timeline could jeopardize coverage.<\/p>\n<ol start=\"10\">\n<li><b>Consider retaining an expert.<\/b><\/li>\n<\/ol>\n<p>If your business has shut down and you believe you will need to submit a claim for business interruption, consider whether a forensic accountant will be needed for the claim. Similarly, if your business sustained extensive property damage, consider whether an engineer might be needed to fully assess the damage. These experts can also help assess the cause of damage and assist if you need to argue for coverage. Coverage counsel can assist in making a determination regarding experts.<\/p>\n<p><br><\/p>\n<p>Navigating the insurance claims process can be overwhelming, but experienced coverage counsel can assist with recovering losses and getting your business back on track after a storm. The insurance lawyers at Hunton Andrews Kurth LLP have extensive weather-related coverage experience, having handled storm losses nationwide for decades. Hunton\u2019s Hurricane Recovery Resource Center contains important advice and resources to help policyholders prepare for a hurricane and deal with the aftermath.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-435cc90 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"435cc90\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e7c7485\" data-id=\"e7c7485\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c338695 elementor-widget elementor-widget-heading\" data-id=\"c338695\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related People<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f50996 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f50996\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a59d983\" data-id=\"a59d983\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-038b6fb elementor-widget elementor-widget-image\" data-id=\"038b6fb\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Levine-Michael-LinkedIn.jpg\" class=\"attachment-full size-full wp-image-44153\" alt=\"\" srcset=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Levine-Michael-LinkedIn.jpg 400w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Levine-Michael-LinkedIn-300x300.jpg 300w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Levine-Michael-LinkedIn-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-390036e\" data-id=\"390036e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-95fbc79 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"95fbc79\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Michael S. Levine<\/b><br><br>Partner<br>\n+1 202 955 1857<br>\nmlevine@hunton.com<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-785d506 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"785d506\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c23d47e\" data-id=\"c23d47e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8ec1b46 elementor-widget elementor-widget-image\" data-id=\"8ec1b46\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/DeField-Andrea_LinkedIn.jpg\" class=\"attachment-full size-full wp-image-44151\" alt=\"\" srcset=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/DeField-Andrea_LinkedIn.jpg 800w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/DeField-Andrea_LinkedIn-300x300.jpg 300w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/DeField-Andrea_LinkedIn-628x628.jpg 628w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/DeField-Andrea_LinkedIn-150x150.jpg 150w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/DeField-Andrea_LinkedIn-768x768.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bacd51e\" data-id=\"bacd51e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2929443 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2929443\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Andrea DeField<\/b><br>Partner\n+1 305 810 2465<br>\nadefield@hunton.com<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e4e8cf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e4e8cf\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cd0b7f2\" data-id=\"cd0b7f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ee5668b elementor-widget elementor-widget-image\" data-id=\"ee5668b\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Steklof-Cary_LinkedIn.jpg\" class=\"attachment-full size-full wp-image-44157\" alt=\"\" srcset=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Steklof-Cary_LinkedIn.jpg 800w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Steklof-Cary_LinkedIn-300x300.jpg 300w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Steklof-Cary_LinkedIn-628x628.jpg 628w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Steklof-Cary_LinkedIn-150x150.jpg 150w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Steklof-Cary_LinkedIn-768x768.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cf1b7bd\" data-id=\"cf1b7bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-08f86e5 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"08f86e5\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Cary D. Steklof<\/b><br><b>\n<\/b>Counsel<br>\n+1 305 810 2463<br>\ncsteklof@hunton.com<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-158413e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"158413e\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6bc1155\" data-id=\"6bc1155\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f7d3271 elementor-widget elementor-widget-image\" data-id=\"f7d3271\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"400\" src=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Reisman-Marchaella-LinkedIn.jpg\" class=\"attachment-full size-full wp-image-44155\" alt=\"\" srcset=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Reisman-Marchaella-LinkedIn.jpg 400w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Reisman-Marchaella-LinkedIn-300x300.jpg 300w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/Reisman-Marchaella-LinkedIn-150x150.jpg 150w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8f50c82\" data-id=\"8f50c82\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c53df57 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"c53df57\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Machaella Reisman<br>\nAssociate<br>\n+1 202 955 1644<br>\nreismanm@hunton.com<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6bb4192 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bb4192\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-197b321\" data-id=\"197b321\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-32f66c8 elementor-widget elementor-widget-heading\" data-id=\"32f66c8\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e68cd8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e68cd8\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f1bd4c\" data-id=\"5f1bd4c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d888c9 elementor-widget elementor-widget-text-editor\" data-id=\"9d888c9\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Lisa Franz&nbsp;<\/b><\/p><p>Director of Public Relations<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6f46e79 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f46e79\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e0a983\" data-id=\"7e0a983\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0f1d983 elementor-widget elementor-widget-heading\" data-id=\"0f1d983\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Media Contact<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b1cb2e elementor-widget elementor-widget-text-editor\" data-id=\"5b1cb2e\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Jeremy Heallen\u00a0<\/b><\/p><p>Public Relations Senior Manager\u00a0<\/p><p>mediarelations@Hunton.com<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8ba0553 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8ba0553\" data-element_type=\"section\" data-settings=\"{&quot;ekit_has_onepagescroll_dot&quot;:&quot;yes&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e537e9c\" data-id=\"e537e9c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2229309 elementor-widget elementor-widget-image\" data-id=\"2229309\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.huntonak.com\/en\/%20\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"272\" src=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/preview-1.jpg\" class=\"attachment-full size-full wp-image-44747\" alt=\"\" srcset=\"https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/preview-1.jpg 1500w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/preview-1-300x54.jpg 300w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/preview-1-1200x218.jpg 1200w, https:\/\/desarrollo5586.live-website.com\/wp-content\/uploads\/preview-1-768x139.jpg 768w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3f0105f\" data-id=\"3f0105f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f063a3d elementor-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f063a3d\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">For more than 120 years, Hunton has served clients across the globe with a collaborative and  purposeful approach. With offices strategically located in the United States and around the world,  the firm is known for its strength in the energy, financial services, real estate, and retail and  consumer products industries, as well as its considerable depth across numerous practice areas.  Hunton fosters a strong culture built upon an unwavering commitment to its clients, colleagues,  and communities. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.huntonak.com\/en\/%20\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Capa_1\" x=\"0px\" y=\"0px\" viewBox=\"0 0 511.999 511.999\" style=\"enable-background:new 0 0 511.999 511.999;\" xml:space=\"preserve\"><g>\t<g>\t\t<path d=\"M437.019,74.981C388.667,26.628,324.38,0,256,0C187.62,0,123.332,26.628,74.981,74.98C26.628,123.332,0,187.62,0,256   s26.628,132.667,74.981,181.019C123.332,485.371,187.62,511.999,256,511.999c68.381,0,132.667-26.628,181.02-74.981   c48.351-48.351,74.98-112.639,74.98-181.019S485.371,123.332,437.019,74.981z M96.216,96.216   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Storm<\/span><\/a><\/p>\n","protected":false},"author":8,"featured_media":44169,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[154,156],"tags":[],"class_list":["post-44126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-laws","category-business-trends"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.6 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hurricane Preparedness\u2014Insurance Tips to Help Your Business Weather the Storm - Spain-US Chamber of Commerce in Miami<\/title>\n<meta name=\"description\" content=\"Get 10 essential hurricane preparedness insurance tips to protect your business, maximize recovery, and ensure storm claims compliance before disaster strikes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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