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September Stokes 2020 Storm Potential as Peak Hurricane Season Blows In

Weather the Rest of the Year Successfully through Smart Safety Practices including Proper Generator Use

In an already hyperactive hurricane season, early September propels the momentum as the mark of the peak storm period. And staying true to its unprecedented form, the official peak date of September 10 brought seven tropical disturbances in the Atlantic. The continued highly volatile nature of the 2020 season highlights the importance of sound safety practices.

Causing an estimated $8 to $12 billion in damage, Hurricane Laura came ashore on August 27, 2020, in Louisiana as a Category 4. In addition to devastating property damage, Laura took more than 70 lives. Seven of those deaths are reported by the Louisiana Department of Health as resulting from carbon monoxide poisoning from a generator. If the levels are high enough, carbon monoxide can claim a life in as little as five minutes.

The American Red Cross provides the following guidelines on selecting and safely using generators along with information on preventing carbon monoxide poisoning.

Selecting a Generator

Add up the power requirements of the appliances and devices you will want to use. (Check the back and sides for a label with this info.)

  1. Add up the wattage of all the light bulbs you will want to use.

  2. Find the total amps you need by dividing watts by volts.

  3. Choose a generator that produces more amps than you need – because some machines draw up to 3 times as much power when starting up, and others lose efficiency over time. The best option is a permanently-installed stationary generator.

Using a Generator at Home

The primary hazards to avoid when using a generator are carbon monoxide (CO) poisoning from the toxic engine exhaust, electric shock or electrocution, and fire. Follow the directions supplied with the generator. (Learn more about carbon monoxide poisoning.)

  • To avoid electrocution, keep the generator dry and do not use in rain or wet conditions. Operate it on a dry surface under an open canopy-like structure, such as under a tarp held up on poles. Do not touch the generator with wet hands.

  • Be sure to turn the generator off and let it cool down before refueling. Gasoline spilled on hot engine parts could ignite.

  • Store fuel for the generator in an approved safety can. Use the type of fuel recommended in the instructions or on the label on the generator.

Local laws may restrict the amount of fuel you may store, or the storage location. Ask your local fire department.

Store the fuel outside of living areas in a locked shed or other protected area. To guard against accidental fire, do not store it near a fuel-burning appliance, such as a natural gas water heater in a garage.

  • Plug appliances directly into the generator, or use a heavy duty, outdoor-rated extension cord that is rated (in watts or amps) at least equal to the sum of the connected appliance loads.

  • Check that the entire cord is free of cuts or tears and that the plug has all three prongs, especially a grounding pin.

  • Never try to power the house wiring by plugging the generator into a wall outlet. Known as “backfeeding,” this practice puts utility workers, your neighbors and your household at risk of electrocution.

  • Remember, even a properly connected portable generator can become overloaded, resulting in overheating or generator failure. Be sure to read the instructions.

  • If necessary, stagger the operating times for various equipment to prevent overloads.

Preventing Carbon Monoxide (CO) Poisoning

  • Never use a generator, grill, camp stove or other gasoline, propane, natural gas or charcoal-burning devices inside a home, garage, basement, crawlspace or any partially enclosed area.

  • Keep these devices outdoors, away from doors, windows and vents that could allow carbon monoxide to come indoors.

  • Opening doors and windows or using fans will not prevent CO buildup in the home. Although CO can't be seen or smelled, it can rapidly lead to full incapacitation and death. Even if you cannot smell exhaust fumes, you may still be exposed to CO. If you start to feel sick, dizzy, or weak while using a generator, get to fresh air right away – do not delay.

  • Install CO alarms in central locations on every level of your home and outside sleeping areas to provide early warning of accumulating carbon monoxide.

  • Test the batteries frequently and replace when needed.

  • If the carbon monoxide alarm sounds, move quickly to a fresh air location outdoors or by an open window or door.

Call for help from the fresh air location and remain there until emergency personnel arrive to assist you.

Staying safe during and after a hurricane encompasses a variety of sound practices. For more information on crafting a general hurricane safety plan, visit www.ready.gov.

HL Law Group is a boutique law firm that focuses its practice on property damage insurance claims. Call (855) 713-1212 or email us at info@hllawgroup.com if you have a question or a potential claim.

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If you have already retained a lawyer for this matter, please disregard this letter. DID YOUR INSURANCE COMPANY DENY OR UNDERPAY YOUR PROPERTY DAMAGE CLAIM? DID YOU SUFFER WATER, WIND OR OTHER PROPERT