Are you ready for hurricane season? It’s coming, so you better get ready if you aren’t!

There has been talk about how El Niño and La Niña may affect the 2023 hurricane season. It’s totally understandable if you read this and nodded along, not knowing what the difference is and what that means for possible hurricanes in Florida.

Below is more information about what these climate patterns are, what the difference is in terms of hurricanes, and what to do if your property is damaged due to a hurricane.

What Are El Niño and La Niña?

You’ve heard of El Niño and La Niña, but what exactly are they?

El Niño and La Niña are part of a natural cycle that occurs every few years. Sometimes, the water near the equator gets warmer than usual (El Niño) and sometimes it gets colder (La Niña). These changes in temperature affect winds that blow across the ocean and the rain that falls on land. This, in turn, can cause storms, droughts, floods, heat waves, or even cold snaps.

What is the Difference Between El Niño and La Niña (When it Comes to Hurricanes)?

As for hurricanes, El Niño tends to suppress hurricane activity in the Atlantic by creating cooler water, dry air, and strong winds. On the other hand, La Niña tends to enhance hurricane activity in the Atlantic by creating favorable hurricane conditions like warmer water and moist air. La Niña also increases the likelihood of major hurricanes reaching the U.S. and, of course, Florida.

Preparing for Hurricanes

Are you prepared for hurricane season? If not, here are some things you’ll want to do to prepare:

  • Purchase bottled water and non-perishables
  • Check the condition of your home (roof, shutters, windows, etc.)
  • Check your insurance coverage

What Do I Do in Case of Hurricane Damage?

Hurricane damage can be devastating both financially and emotionally. While you may lose cherished items, you can at least be financially compensated for damage to your property through your property insurance coverage.

In order to get the best compensation possible, make sure you take a detailed inventory to submit to your insurance company. Make a list, take photos, and even shoot videos for evidence. Your insurance company will then send out an adjuster to determine the payout.

Reach Out to Colucci Law Group if Your Insurance Company Denies Your Claim in Bad Faith

If you have insurance and everything is up to date, they have to pay your claim. With that said, some insurance companies will deny your claim in bad faith. If this is the case, you’ll want to contact a lawyer that can represent you and make sure you get the money you are owed.

If your insurance company wants to pay you way less than you are owed or straight up denies your legitimate claim, reach out to Colucci Law Group. We provide expert support to our clients and are able to help combat bad-faith claim denials. An expert lawyer will represent you in your suit against your insurance provider, and we will fight to ensure you get the money your insurance company owes you.

Colucci Law Group is also able to file a claim for you. We’ll defend your rights and get you an appropriate settlement.

If you would like to learn more about the property insurance legal services we provide, contact Colucci Law Group today. We will negotiate or litigate on your behalf to ensure your insurance company pays your claim.

If you suspect that you are the victim of a bad-faith insurance claim denial or you would like support filing a claim, we can help. The Colucci Law Group has the resources to assess the validity of your claim at no cost to you. For a free consultation, email us or call our Clearwater office at 727-733-9438. You may also call our Fort Myers office at 239-378-7800. Our team assists victims of bad-faith insurance claims across the state of Florida.