Hurricane Season Readiness: Supporting Policyholders When It Matters Most

The peak of the Atlantic Hurricane Season — generally mid-August through the end of October — represents our busiest period for flood claims, with approximately 80% of annual claims reported during this window. To ensure our team is fully prepared when that demand arrives, we make deliberate use of the quieter months that precede it.
Throughout the year, our internal claims examination staff participates in ongoing training covering flood coverage, FEMA guidance, and essential soft skills including empathy and client communication. These sessions create an environment where staff can encounter scenarios outside their day-to-day experience, ask questions collaboratively, and grow their collective knowledge base — ultimately strengthening both individual expertise and team cohesion.
Each May, we conduct our annual Catastrophe Dry Run, a cross-departmental exercise that simulates a live flood event. Each functional group walks through their role as though a real catastrophe is unfolding, identifying operational gaps, resource needs, and areas for improvement. The exercise also incorporates unplanned scenarios to test our ability to adapt when events don't unfold as expected — because in a real catastrophe, they rarely do. The dry run helps us determine which team members may need to step outside their standard responsibilities to manage the surge in calls, claims, inquiries, printing, and system demands.
In parallel, we conduct outreach to our adjusting firm partners to assess their current capacity for accepting new claims. This gives us a clear picture of our available adjusting resources and allows us to proactively identify whether additional firm partnerships may be needed before the season begins.