11/02/2026
Hurricane season ends November 30, which makes the next few weeks the best time to do the one thing owners skip: document the roof while nothing is wrong with it.
The most common basis for reducing a wind claim is pre-existing wear. Dated photographs and a written inspection report from before the season are the only real answer to that argument — and they are far easier to produce in a calm month than the week a storm enters the Gulf.
Our full checklist, from deductibles to the 72 hours before landfall:
A working hurricane checklist for Gulf Coast commercial owners: pre-season documentation, the 72-hour sequence, and how to protect an insurance claim after landfall.
