2026 hurricane season advisory guide

Understanding hurricane exposure

No two properties face a hurricane the same way. A warehouse a mile inland may be dealing with wind, while a coastal facility contends with storm surge on top of it. There is no single policy that fits every business and no off-the-shelf product that covers wind, flood, business interruption, and everything in between. Hurricane exposure and insurance coverage requires a holistic assessment of both physical and operational vulnerabilities. This includes evaluating owned locations, and additional sites that could suffer both direct or indirect hurricane damage. It is critical to identify at-risk assets and analyze how infrastructure failures & transportation disruptions could impact operations. 

The importance of aligning insurance coverage

Organizations should assess service interruption and contingent time element exposures, recognizing that significant business income losses may arise where owned facilities avoid physical damage - thus underscoring the importance of aligning insurance coverage with real world hurricane risk scenarios.

We encourage you to review your policy in advance, as coverage terms, conditions and deductibles can vary. Coverage determinations are ultimately made by your insurers once a claim is submitted; however, your Howden Property Advocacy Team(s) are here to support you and address any questions before, during, or after an event.