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At LAT18, our north star is Puerto Rico and the safety of our business partners.
The 18° north latitude crosses several areas of Puerto Rico. Additionally, the 18° north latitude also passes through other municipalities and regions of the island, including both coastal and inland areas.
The 18° north latitude is a relevant reference for hurricanes in Puerto Rico due to its geographic location. Puerto Rico is located in a region of the Atlantic known to be susceptible to the formation and passage of hurricanes during the hurricane season, which runs from June 1 to November 30.
Many hurricanes that form in the Atlantic tend to move westward and northwestward, causing them to cross the 18° north latitude on their way to the Caribbean and often directly toward Puerto Rico.
Throughout history, several significant hurricanes have passed through this latitude on their path toward or over Puerto Rico. Recent examples include Hurricane María in 2017 and Hurricane Irma in the same year, both of which caused considerable damage to the island.
Given Puerto Rico's vulnerability to hurricanes, especially those near the 18° north latitude, it is crucial that businesses and residents take specific preparedness measures. For this reason, we have prepared this Guide to help you be ready and protected.
Make a plan
Developing a comprehensive hurricane protection plan is essential to minimize the impact of these phenomena on your business. This requires a detailed understanding of the environment where your business operates, including the assessment of specific risks such as flood zones, wind patterns, proximity to bodies of water, and other relevant geographic features.
1
Local Risk Assessment
Evaluate flood zones, wind exposure, proximity to water, and building infrastructure before hurricane season.
2
Emergency Contacts
Maintain an updated list of emergency services, suppliers, customers, and key personnel.
3
Emergency Supplies
Prepare kits with food, water, medications, flashlights, first aid, tools, and important documents.
4
Identification of Shelters and Evacuation Routes
Know nearby shelters, multiple evacuation routes, and follow official orders for safety.
5
Pet Plans at the Business
6
Essential Supplies for Business Continuity
Arrange pet-friendly shelters, hotels, and emergency kits if pets are allowed at work.
Stock food, water, medicine, alternative power, safety items, documents, and fire extinguishers.
7
Differences Between Hurricane Alerts
"Watch" = conditions possible within 48 hours
"Warning" = conditions expected within 36 hours.
8
Vehicle Preparation
Fill gas tank, park safely, ensure registration/insurance, and keep an emergency kit in each car.
Risk Assessment for Properties in Hurricane-Prone Areas
1
Identify Risk Zones
Check coast proximity, elevation, rivers, vegetation, and nearby structures.
2
Analyze Impacts
Assess wind, roof, windows, flooding, drainage, storm surges, power outages, and supplies.
3
Assign Roles
Designate tasks, communications, emergency team, first aid, and floor leaders.
4
Reinforce Openings
Protect windows/doors with shutters or panels; seal and reinforce frames.
5
Maintain Roof & Drains
Inspect roof/walls; clean gutters and drains regularly.
6
Secure Electrical System
Check backup generators and electrical panels; ensure fuel supply.
7
Backup Data & Cybersecurity
Regular cloud backups; malware protection; access control protocols.
8
Collaborate with Authorities
Build alliances with government and suppliers; identify alternatives.
9
Business Continuity Plan
Identify critical processes; run drills and tests.
Process for Handling a Claim for Damages Caused by a Hurricane
Claims for Property Damage
Business Interruption Claims
Claims for Flood Damage
Claims for Loss of Use
Claim Resolution
Complete the claims process by reviewing all payments and ensuring that repair work is carried out according to specifications. Close the claim once you are satisfied with the repairs and have received all agreed-upon payments.
This process may vary depending on the insurance policy, so it is important to carefully read your policy and consult with your Insurance Broker.