Typically, weather experts deem June 1 as the start of hurricane season and November 30 as the end. Hurricanes are most active in September.

A hurricane is a tropical cyclone that can produce storm surge flooding, heavy rains that can lead to inland flooding, destructive winds, tornadoes, high surf and rip currents. Although hurricanes are considered the most threatening type of tropical cyclones, tropical storms and tropical depressions can also be devasting to life and property.

Hurricane Watch = Be alert and know that conditions may change to a warning within the next 48 hours. Monitor weather reports, gather emergency supplies and cash and move valuables to a safe place to prevent damage.

Hurricane Warning = Take action and know that a hurricane is expected or imminent. Move to safety immediately, evacuate the area if directed by local authorities and don't walk or drive through flood waters.

Many states have predetermined zones and routes for a safe evacuation. Visit your state or county's management websites to determine your local plans. Consider preparing for an evacuation prior to a hurricane hitting so you are ready and able to act quickly in the event of an evacuation.

No; if no flooding is evident, shelter on the lowest level. Ideally, shelter in a windowless, sturdy area.

Before leaving your shelter, check with local authorities both where you are and back at your home. Going outside or returning home before storm debris is cleared is dangerous. If you are returning to an impacted area, prepare yourself for disruptions to daily activities.

You never know how deep or fast-moving floodwater can be; just six inches of fast-flowing water can knock you over and two feet can float a car. Additionally, you never know what floodwater is hiding; floodwater can contain sharp objects, downed power lines, sewage, bacteria, chemicals and wild or stray animals.

If a power outage has occurred, avoid using portable generators inside. Carbon monoxide poisoning is a high risk in areas dealing without power. Additionally, try to use battery operated flashlights instead of candles.

When inspecting your property be sure your skin and clothing are not wet before interacting with electrical systems, and make sure the system itself is dry; be aware of sparks and broken or frayed wires; and smell for gas leaks.

For an auto claim, consider utilizing our Auto Claim Worksheet. For all other claims, consider utilizing our Property Claim Worksheet.