Palmetto State News

Hurricane Helene recently impacted several states in the southeastern United States, causing significant disruptions and damage. The storm made landfall on Thursday along Florida’s Big Bend Panhandle as a major hurricane, leading to power outages and flooding across Alabama, Georgia, the Carolinas, and Tennessee.

In response to the disaster, South Carolina Governor Henry McMaster declared a state of emergency. The South Carolina Emergency Management Division is actively monitoring the situation and providing updates on road closures, power outages, and flooding.

For businesses affected by Hurricane Helene, there are several steps to consider for recovery. It is crucial to contact insurance companies once it is safe to do so. Business owners should inquire about the types of damage covered by their policies, the time frame for processing claims, and whether estimates for repairs are necessary.

Temporary repairs can be made to prevent further damage; however, extensive permanent repairs should wait until an insurance adjuster assesses the damages. Business owners are advised to keep receipts for any repair expenses incurred.

Preparation for an adjuster's visit is essential. Providing detailed information about damaged property can expedite claim settlements. This includes creating an inventory of damaged or destroyed items with descriptions, purchase dates, and replacement costs. Photographs or videos of the damage can also support claims.

It is important not to discard damaged items until after an adjuster's inspection. Identifying structural damage and having electrical systems checked are recommended steps since most insurance companies cover these inspections.

Obtaining written bids from licensed contractors with detailed material lists and prices can facilitate quicker claim adjustments. Keeping copies of all submitted documents and maintaining records of communications with insurance representatives is advisable.

Once claims are settled and repairs begin, businesses should reassess their insurance coverage. Evaluating whether current policies provide adequate protection and considering changes with an insurance agent could be beneficial.

The U.S. Department of Labor has also highlighted Disaster Unemployment Assistance (DUA) as a resource for individuals whose employment has been affected by Hurricane Helene but who do not qualify for regular unemployment insurance benefits.