5 Things Contractors Should Do Before Storm Season

Storm season — whether that means hurricanes in the south, nor'easters in the northeast, or hail season in the midwest — brings a massive surge in contracting demand. Roofers, tree services, fencing contractors, and general contractors all see work multiply overnight. But storm work also multiplies your liability exposure. Here's how to prepare.

1. Verify your insurance covers storm-related work

Some GL policies have exclusions for storm damage work or work at heights above certain limits. Review your policy specifically for:

• Wind and storm-related liability coverage
• Height restrictions (especially relevant for tree services and roofing)
• Emergency services coverage
• Work on storm-damaged structures

If you're unsure, call your carrier before storm season — not after an incident.

2. Get your license and bond current

Storm work is heavily scrutinized. Unlicensed contractors doing post-storm repairs can face criminal charges in addition to civil liability. Verify before storm season:

• Your contractor's license is current and renewal isn't imminent
• Your surety bond is active with no lapses
• Your COI is ready to share with homeowners and insurance adjusters on demand

3. Update your equipment inventory and coverage

Storm work often means deploying equipment you don't use as frequently — generators, specialty tarps, chainsaws, larger ladders. Before storm season:

• Inspect and service all equipment
• Update your inland marine coverage to reflect current equipment values
• Check that rental equipment you might use is covered under your policy

4. Plan for worker safety protocols

Storm work is more dangerous than standard conditions. Debris-covered job sites, unstable structures, and pressure to work fast all increase injury risk. Before storm season:

• Verify workers' comp coverage is current for all employees
• Review fall protection protocols and equipment
• Brief your crew on increased hazards during storm cleanup
• Have a documented emergency response plan

5. Prepare your client intake process

Storm season creates urgency that leads to shortcuts — verbal agreements, no deposits, unclear scope. These lead to disputes. Before storm season:

• Have contract templates ready to issue quickly
• Establish your deposit policy (50% upfront is reasonable for storm work)
• Set up a photo documentation workflow (before and after every job)
• Brief your team on what to promise and what not to promise to upset homeowners

Disclaimer: This guide is for informational purposes only and is not legal, tax, or insurance advice. Always verify specifics with a licensed professional in your state.