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ANPAC® Disaster Information Series:

Disaster Information: Hurricanes

Whatever tomorrow brings, there are several preparedness measures you should consider taking to survive and recover from a hurricane - especially if you live in a coastal area. Know what your community's disaster plan is, for instance. Your local emergency management office, American Red Cross chapter or utility company may have a Disaster Handbook with contact information and evacuation routes for your community.

Below are links to hurricane information provided by the National Oceanic & Atmospheric Administration (NOAA), the Insurance Institute for Business & Home Safety (IBHS) and the Federal Emergency Management Agency (FEMA). We hope you'll review these links to make sure you know the best steps to take before, during and after a hurricane, including how to file a claim with American National if your property is damaged by a storm.

Click here to visit FEMA's dedicated hurricane page, which includes extensive information about what actions to take when you receive a hurricane watch or warning alert from the National Weather Service for your local area. It also provides tips on what to do before, during, and after a hurricane.

What Steps Should I Take to Prepare?

   - Secure your home and property.


When it comes to protecting your property against hurricane damage, there are several key areas that have been identified by the Insurance Institute for Business & Home Safety (IBHS) as being the most vulnerable. Thankfully, there are several steps you can take to help mitigate damage to these areas. As a member of IBHS, American National is pleased to share the following information with you. More details are available at


The roof is the first line of defense and takes a beating as wind speeds increase. The older the roof, the weaker it likely is and the more exposed it may be to winds and water damage. When re-roofing, strengthen connections between the roof and walls, re-nail the decking, add a wind-resistant and water-resistant barrier and choose a high-wind rated roof covering. Read more about strengthening your existing roof or creating a stronger new roof.

Windows and Doors

When a hurricane strikes, windows and doors, including garage doors, can be blown open or broken, allowing wind and water inside. Shuttering these openings can reduce the risk of wind and water damage. Read more about protecting windows and doors.

Attached Structures

Porch roofs, carports, covered entry ways, lanais and screened rooms are often are the first to fail in high winds. Proper attachment of the support systems for these structures is critical in a hurricane. Straps, anchor bolts or through bolts between the tops of columns should be used to support the roofs of attached structures and the roof framing of the home or business.


Trees, gravel, yard ornaments and other items outside a home or business can become windborne debris in a hurricane. Avoid using gravel or stones as mulch in hurricane-prone areas; bring in lawn furniture and other yard items when a hurricane threatens; and keep trees trimmed to reduce the risk of falling limbs.

Other Things to Consider

Create a Disaster Supplies Kit.*

The following items should be included in a disaster supplies kit:

*Keep the items that you would most likely need during an evacuation in an easy-to-carry container (i.e. a large, covered trash container; a camping backpack; or a duffle bag).

How Do I Recover from a Hurricane?

Click here to read FEMA's comprehensive guide for dealing with the aftermath of a hurricane.

The following bulletins also offer important additional information about disaster recovery.

How Do I Report Damage and Request Recovery Assistance?

No one wants to think about suffering a loss. In the unfortunate event you do endure a loss, American National's Five Star Claim ServiceSM is designed to provide reassurance and confidence to our policyholders throughout the entire claims process.

24-Hour Claims Hotline: 1-800-333-2860


Report a claim online.

The following community resources may also be helpful:

FEMA Online Registration (In event of Presidential disaster designation): 1-800-745-0243 or

American Red Cross:

Salvation Army:

United Way:

American National Property And Casualty Company is headquartered in Springfield, Missouri. It is a subsidiary of American National Insurance Company (ANICO) of Galveston, Texas. American National Multiple Line exclusive agents offer a combination of life insurance, annuities, property and casualty insurance for personal lines, agri-business, targeted commercial exposures and other services. Multiple Line agents serve individuals, families and business owners.

This web site is not comprehensive and is only provided for general use and should not be relied upon as the sole source for your safety. American National, its affiliates, subsidiaries and employees assume no liability in connection with the information or the safety suggestions provided. Unique circumstances may require implementation of some or all of the safety suggestions. There may be additional available safety procedures that are not referenced on this web site. This site may have links to other sites, which are not maintained by American National Insurance Company, its subsidiaries or affiliates. Links to or from a third-party site do not constitute the sponsorship, endorsement or approval by American National Property And Casualty Company of the content, policies or practices of such sites. You should check the privacy policies of any site you visit. All coverages are subject to the insuring agreements, exclusions and conditions of the policy, and applicable endorsements. This material is not a representation that coverage does or does not exist for any particular claim or loss under any policy.