As we navigate the 2023 catastrophe season, we want you to know we are here for you. Our priority is to ensure you are prepared, informed, and supported throughout this time. Predictions for the 2023 Atlantic hurricane season indicate a near-normal season ranging from 12 to 17 named storms. Furthermore, forecasts for the U.S. wildfire season predict that between 400,000 to 1 million acres will burn in California. 

Before a Catastrophe

Preparation is critical to reducing the impact of a catastrophe. Here are some steps you can take:

• Maintain Your Home: Proper home maintenance can prevent or lessen damage during a catastrophe. This could mean securing loose shingles on your roof or installing storm shutters for hurricanes. In areas prone to wildfires, maintaining a defensible space around your home by clearing dead vegetation can be helpful.
• Create a Disaster Plan: Determine evacuation routes and meeting places in an emergency. Make sure every family member is aware of the plan.
• Prepare a Disaster Supply Kit: This should include food, water, medications, important documents, cash, clothing, and a battery-powered or hand-crank radio.
• Review Your Insurance Policy: Understand what your policy covers and what it doesn’t. For example, most homeowners and manufactured home insurance policies do not cover flooding, which can cause damage in a hurricane.

During a Catastrophe

Your safety is paramount. If you are advised to evacuate, do so promptly. Keep your disaster supply kit and stay informed by monitoring local news and weather reports. Keep any receipts for expenses you incur, as your insurance policy might reimburse you for expenses. We recommend taking photos of your receipts with your phone so you don’t have to worry about losing paper copies. 

After a Catastrophe

Once it’s safe to return home, document any property damage with photographs and videos before beginning clean-up efforts. This will be essential when you file your insurance claim.

Filing a Claim

At K2 Claims Services, we aim to make the claims process seamless. You can file a claim through our website (https://k2insclaims.com/claims/), phone (844-631-7819), or fax. Our claims reporting team is available 24 hours per day, 7 days per week. We encourage you to file as soon as possible after a catastrophe.

Remember, your coverage depends on your specific policy. Most homeowners and manufactured home insurance policies cover damage caused by perils like wind and fire, common in hurricanes and wildfires. However, damage caused by flooding, which can often accompany storms, is typically not covered under standard homeowners or manufactured home policies and requires separate flood insurance.

At K2 Claims Services, we value your peace of mind. Our team of experienced adjusters is here to guide you through the claims process, help you understand your coverage, and work with you to restore your life back to normal.

As we prepare for this catastrophe season, we encourage you to take these steps to protect your home and family. We are here for you before, during, and after any catastrophe. 

Together, we will weather the storm.

Stay safe and prepared!