Hurricane season starts June 1 and runs until November 30. There are quiet seasons and busy seasons, but one thing is a given – when a strong storm hits land, there's sure to be damage and insurance claims. Storms often cause flooding, damage buildings and vehicles, knock out power, affect transportation, and cause other problems.

Without electricity, there is no air conditioning in residences, businesses, and essential services such as hospitals and emergency shelters. Gas pumps need electricity in order to pump fuel, leaving no way to refill the tanks of vehicles or generators. A lack of power to appliances leads to food spoilage and equipment damages. Cell phones will lose power, and people won't be able to recharge them. Water treatment plants will be affected as well. This leaves people without air conditioning, water, transportation, and communication.

It's not unusual for the local civil authorities to issue evacuation orders before a storm and restrict access to damaged property after a storm. There are a number of coverage issues that can be expected that are related to evacuations and restricted access on both personal and commercial policies.