tabangay-and-turner-llc

ChicagoWest Business Center: At-Grade Railroad Crossing

Tue, 23 Dec 2025 14:42:57 GMT

Tabangay & Turner represented its developer client in petitioning the Illinois Commerce Commission for and obtaining approvals to construct a new at-grade railroad crossing for railroad service at the ChicagoWest Business Center. In addition, the firm assisted its client with obtaining a necessary City easement over a public road for the new at-grade crossing as well as securing UP rail service to the development.

AOS

Thu, 20 Mar 2025 20:30:08 GMT

Tabangay & Turner assisted its client in locating and acquiring a 150-acre site in the City of Chicago on which to build this 430,000 barrel liquid asphalt through-put facility. This project was completed over a period of three years. Tabangay & Turner performed all legal work including zoning, subdividing, and setting up a planned development for the site plan on the Calumet River with an accompanying barge dock and rail service. Numerous easements, construction and other contracts were prepared for the client. The project was financed through the issuance of Federal Recovery Zone Bonds issued by the City of Chicago.

Gas Station - Chicago, IL

Wed, 05 Feb 2025 21:01:34 GMT

Tabangay & Turner obtained a special use and variations for the remodeling and expansion of a Shell gas station.

Landscaping Business

kyle.taylor@levitateapp.com (Kyle Taylor) — Wed, 05 Feb 2025 21:00:46 GMT

Tabangay & Turner assisted the buyer with the acquisition and rezoning of a building for a landscaping business.

Shopping Center

Wed, 05 Feb 2025 20:59:49 GMT

Tabangay & Turner represented the buyer of a 19-acre shopping center with national tenants.

Multi-Tenant Commercial Office Building

Wed, 05 Feb 2025 20:57:45 GMT

Tabangay & Turner represented the seller of a multi-tenant commercial office building.

Industrial Warehouse

Wed, 05 Feb 2025 20:55:49 GMT

Tabangay & Turner represented the seller of an 18,000 square foot industrial-warehouse building.

Mariano's - Des Plaines

Thu, 30 Jan 2025 23:40:38 GMT

Tabangay & Turner assisted its client with the development of this former auto dealership for a Mariano's Fresh Market grocery store. The firm's engagement included the acquisition and financing of the project property, obtaining necessary City zoning and other entitlements, negotiation and preparation of the build-to-suit lease with Mariano's, and the eventual sale of the project to a national REIT.

IDI Logistics

Thu, 30 Jan 2025 23:40:37 GMT

Tabangay & Turner represented its developer client in the sale and development of this spec industrial building to a prominent national industrial building owner purchaser including contracts addressing the construction of land improvements, roads and building improvements.

Vynera Transportation Inc.

Thu, 30 Jan 2025 23:40:36 GMT

Tabangay & Turner represented its client in the sale of the site to a large trucking company user.

Thorntons Gas Station

Thu, 30 Jan 2025 23:40:35 GMT

Tabangay & Turner represented its developer client in the sale and development of the gas station site as well as securing the necessary Village entitlements including but not limited to a diesel fuel tax rebate agreement.

Antebellum Manufacturing

Tue, 21 Jan 2025 15:58:27 GMT

Tabangay & Turner assisted their developer client on this manufacturing build to suit project located in Ocala, Florida. We assisted in the preparation and finalization of the lease, represented the client with respect to bank financing including construction lending, and assisted in the organization of the entity that owns the development.

Romeoville Gateway Association

Tue, 21 Jan 2025 15:57:42 GMT

Tabangay & Turner assisted its developer client with the annexation, zoning and tax increment financing of 30+ acre industrial development, including preparing the necessary covenants conditions and restrictions (CCRs) and easements for the orderly operation of the industrial park. The firm also assisted the client in obtaining a special use permit for a subterranean mine and helped the client negotiate and draft a mining lease, royalty agreement and access easement for the same with a Fortune 500 aggregates company.

Amazing Grace Kids Palace, Inc.

Mon, 16 Sep 2024 14:50:04 GMT

The tenant of a building on the east side of Chicago seeking to open a day care retained Tabangay & Turner LLC after their building permit was denied. Working with the architect and City staff, our firm obtained a zoning variance to reduce the required on-site parking allowing the client to secure its building permit and open for business.

351-53 West Dickens Condo Association

Mon, 16 Sep 2024 14:50:04 GMT

Tabangay & Turner LLC represented an association seeking to construct balconies and roof decks onto a vintage condo building in Old Town. With the approval of the Mid-North Association (a City Landmark District) and the local Alderman, our firm was able to secure the necessary zoning relief authorizing the improvements.

Icing – Chicago, IL

Mon, 16 Sep 2024 14:50:04 GMT

Tabangay & Turner LLC obtained a special use permit to establish ear piercings for a national retailer of accessories and jewelry to young women at its State Street location in the Central Business District. The process required the approval of the Chicago Loop Alliance Planning and Advocacy Committee and 42nd Ward Alderman Brendan Reilly. A public hearing before the Zoning Board of Appeals was held and the special use permit was unanimously approved and granted.

Commercial Property on North Michigan Avenue

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC represented the seller in the multi-million dollar sale of a 4-story commercial building at 336 North Michigan Avenue in Chicago, formerly the 65 Chinese Restaurant and Bakery. MAURIDES FOLEY TABANGAY & TURNER LLC also assisted with the termination of the existing lease, the liquidation of the tenant’s restaurant equipment and the seller’s acquisition of commercial strip centers in Wheaton and Algonquin as part of a tax deferred exchange.

Housing Development

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC assisted this client in rezoning previously strip-mined property from industrial to residential to allow the property to be reclaimed and ultimately a residential single-family housing development.

Bluff City Materials

cristina.villegas@levitateapp.com (Cris Villegas) — Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC assisted this client in assembling over one-thousand acres in three different counties and three municipalties to operate a surface sand and gravel mine. Our attorneys also represented this client in annexing, zoning and subdividing the property.

Buffalo Wings & Rings Franchise in Bridgeport

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC negotiated a franchise agreement and commercial lease for a Buffalo Wings & Rings location on South Halsted in Bridgeport.

Commercial Property at State & Division

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC provides legal services to the owner of this high-profile Gold Coast property. These services include leasing, construction, maintenance, contract negotiations, and landlord-tenant relations, and all other services involved with the operation of the building.

Burger King

Mon, 16 Sep 2024 14:50:04 GMT

A national real estate developer retained TABAGNAY & TURNER, LLC to assist with the development of several Burger King locations throughout the Unites States. Our attorneys assisted in acquiring properties in Wisconsin, Tennessee, Texas and Illinois; established individual corporate entities to own the properties; drafted build-to-suit leases with franchisees; negotiated construction contracts, and facilitated the sale of the finished units to investor groups.

Reggies South Loop

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC represented the purchaser of two adjacent commercial buildings at 2105-09 South State Street as well as the build-out and leasing of the spaces to three related entries which now operate Reggie’s Music Club and Reggie’s Bar & Grill, which have become established music venues in the South Loop area, as well as Record Breakers, an old-school record store.

Buona Beef Itasca

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC represented its client in the acquisition, development and build-to-suit lease for another Buona Beef restaurant.

Shell/McDonald’s – Buffalo Grove, IL

Mon, 16 Sep 2024 14:50:04 GMT

Attorneys in our firm assisted Shell Oil Company in acquiring, annexing, zoning and obtaining site plan and appearance commission approvals of a controversial Shell/McDonald’s complex in Buffalo Grove, Illinois. Despite significant neighborhood and political opposition, our firm’s members were able to guide Shell in obtaining the required permitting for what is now a successful location.

McDonalds Bucktown

Mon, 16 Sep 2024 14:50:04 GMT

Tabangay & Turner LLC represented McDonald’s Corp. in rezoning this Chicago property and acquiring a special use permit to allow a dual drive-through facility.

Joliet Subterranean Mine

Mon, 16 Sep 2024 14:50:04 GMT

Tabangay &Turner LLC assisted this client in completing a 1031 Tax Deferred Exchange resulting in the purchase of a 45-acre subterranean limestone mine with 355 acres of subterranean mineral rights and mining equipment. Our attorneys performed extensive due diligence including meeting with government officials, researching zoning and licensing, and reviewing title including related easements for a barge docking facility.

Wintrust Old Town - Chicago, IL

Mon, 16 Sep 2024 14:50:04 GMT

Tabangay & Turner LLC assisted Wintrust Bank in obtaining a special use permit to allow a two-lane drive-thru at its facility in the heart of Old Town. Wintrust retained our firm to assist with the application process which involved working with the Alderman’s office; obtaining a waiver from the strict requirements of the Lake Michigan and Chicago Lakefront Protection Ordinance; addressing traffic issues with the Chicago Department of Transportation; and appearing before the Chicago Zoning Board of Appeals where it use was unanimously approved.

Food Processing Plant - Romeoville

Mon, 16 Sep 2024 14:50:04 GMT

Attorneys at TABAGNAY & TURNER LLC worked with two real estate developers on a 32-acre parcel in Romeoville, Illinois. We coordinated with Village officials, engineers and experts to acquire the property; obtained zoning approval; and negotiated and drafted the annexation agreement incorporating the subdivision, site plans, and Village incentive package. This multi-million dollar 186,000 square foot food processing plant is connected to a building on an adjacent lot by a bridge conveyor system so the two facilities work in concert.

Armanetti Express - Chicago, IL

Mon, 16 Sep 2024 14:50:04 GMT

Tabangay & Turner LLC represented an Armanetti Express franchisee in connection with a special use to allow a liquor store in a retail strip center on Fullerton Avenue. Our attorneys assisted this client with completing all necessary city forms and obtaining supporting documentation necessary to ultimately gain unanimous approval by the Chicago Zoning Board of Appeals.

Mariano’s Fresh Market – Elmhurst, IL

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC assisted its client in developing this site for a Mariano’s Fresh Market in Elmhurst, Illinois. The process involved acquiring the property, obtaining variations for signage and setback changes, financing, drafting and negotiating a Tax Increment Finance Redevelopment Agreement with the municipality, and preparing a build-to-suit lease.

Buona Beef – Hillside, IL

Mon, 16 Sep 2024 14:50:04 GMT

Our firm assisted in the acquisition of land and the negotiation of a build-to-suit lease with Buona Beef, a successful Illinois-based restaurant chain. Many locations required local permitting for special use permits, site plan approvals, cross-access easements and other special needs of the fast-food restaurant industry.

Check-n-Go Lombard

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC assisted this national chain with obtaining the necessary special use permit to operate its check cashing business in Lombard, Illinois.

Main Street Marketplace

Mon, 16 Sep 2024 14:50:04 GMT

Tabangay & Turner LLC represented the buyer in the acquisition of a seven-unit retail center in Wheaton, Illinois. The buyer’s tenants included Starbucks, Qdoba, UPS, Verizon and Supercuts.

McDonald’s – Glenview, IL

Mon, 16 Sep 2024 14:50:04 GMT

A representative from McDonald’s sought out TABANGAY & TURNER LLC’s assistance in rezoning and rebuilding its existing restaurant in Glenview, Illinois. This location required a subdivision, cross-access easements, and a new special use permit for the updated restaurant and double drive-thru.

Briarwood Retail Center

Mon, 16 Sep 2024 14:50:04 GMT

The purchaser of this six-unit retail center in Algonquin, Illinois, retained the services of Tabangay & Turner LLC to assist with the acquisition of the property. Tenants include Oberweiss, Giordano’s and The Bedding Experts.

Abbott Business Center

Mon, 16 Sep 2024 14:50:04 GMT

We facilitated the acquisition, subdivision, zoning and annexation of property to allow this client to develop an industrial park. Following that, we set up the tax-exempt owners’ association and assisted this client with build-to-suit leases and with the sale of lots on the 40-acre parcel.

Federal Express Facility

Mon, 16 Sep 2024 14:50:04 GMT

Our attorneys assisted the property owner in negotiating a build-to-suit lease for a Federal Express Ground Facility in Carol Stream, Illinois which required obtaining the necessary special use permits to operate a truck terminal with residential neighbors in fairly close proximity. This 380,000 square foot facility has since been enlarged, and is one of Federal Express’s hubs for sorting and distributing packages on a daily basis.

Klein Creek Golf Course

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC assisted its client with assembling a 140-acre parcel for the construction of this golf course in Winfield, IL. The property needed to be annexed and zoned in conjunction with the adjacent residential developer who used the golf course for its detention areas. Additionally, a conservation easement was recorded on the property so the owners could take a charitable tax deduction for the development value of the property.

Baseball Fields

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC’s attorneys negotiated a series of transactions in which this client constructed baseball, football and other athletic facilities on Village of Bartlett property as part of a real estate trade transaction resulting in significant financial savings for both parties.

Catholic Church

Mon, 16 Sep 2024 14:50:04 GMT

This property needed a special use permit to operate a place of worship because of its proximity to surrounding residences. We worked with the Village of Arlington Heights to obtain the necessary permits to convert this property to a Catholic Church given neighborhood input and concerns over traffic impacts and other related matters.

Islamic Mosque

Mon, 16 Sep 2024 14:50:04 GMT

Our firm worked with this client to locate and purchase an existing building that met its zoning needs. We worked with the municipality to rehabilitate and convert the property. This building, a former funeral parlor, was built on footings and foundations that were sinking and failing. As part of this transition, during the due diligence period, we assisted in negotiating a reduction in the price to allow for a budget to correct the building’s defects.

Parkway Bank

Mon, 16 Sep 2024 14:50:04 GMT

TABANGAY & TURNER LLC assisted a local property developer in obtaining the necessary land use variations, cross-access easements, and site plan approvals to construct a Parkway Bank location adjacent to a residential community.

Subterranean Limestone Mine Portal

Mon, 16 Sep 2024 14:50:04 GMT

Tabangay & Turner assisted its client in obtaining the necessary land use variations (including a planned unit development) for a subterranean limestone mine. The firm also represented the client in negotiating and preparing a subterranean mining lease and related royalty agreement with the Fortune 500 aggregates company mine user.

Valbona's Beauty Salon

Thu, 05 Sep 2024 16:23:38 GMT

Valbona’s Beauty Salon

A beauty salon operator in Jefferson Park engaged Tabangay & Turner LLC to obtain a special use permit to allow her to move her business to a better location within the same community. Our attorneys’ knowledge of the zoning process was instrumental in expediting the application and obtaining unanimous approval from the Chicago Zoning Board of Appeals.

Park Place Condominiums

Thu, 05 Sep 2024 16:09:40 GMT

Park Place Condominiums – Elmwood Park, IL

The owner/builder of this condominium complex in Elmwood Park, Illinois, retained Tabangay & Turner LLC to work with the Village in obtaining zoning approval and to assist with structuring and creating the legal condominium association and units with assigned parking.

Navigating Medicare AEP: What You Need to Know for 2024

Thu, 22 Aug 2024 15:14:22 GMT

As the leaves begin to change and the holiday season approaches, there’s another significant period on the horizon that’s crucial for those eligible for Medicare: the Annual Election Period (AEP). Running from October 15 to December 7 each year, AEP is the time when Medicare beneficiaries can make important decisions about their healthcare coverage for the coming year. At GHT Insurance Services, we understand that navigating the complexities of Medicare can be overwhelming, especially during AEP. In this blog post, we'll break down everything you need to know about AEP 2024 and how to make informed choices that best suit your needs.

Understanding Medicare AEP

The Medicare Annual Election Period is a yearly opportunity for beneficiaries to review their current Medicare coverage and make changes if necessary. During this period, you can:

Switch from Original Medicare (Parts A & B) to a Medicare Advantage Plan (Part C).
Switch from a Medicare Advantage Plan back to Original Medicare.
Change from one Medicare Advantage Plan to another.
Join, drop, or switch a Medicare Prescription Drug Plan (Part D).

These changes take effect on January 1 of the following year, making it crucial to carefully evaluate your options during AEP.

Why AEP Matters

Medicare plans can change from year to year, affecting everything from coverage details to premiums and out-of-pocket costs. Additionally, your healthcare needs may have changed over the past year, requiring different coverage. AEP allows you to adjust your plan to better suit your needs, ensuring you have the right coverage at the best possible price.

Steps to Take During AEP

Review Your Current Coverage: Start by reviewing your current Medicare plan. Consider how well it met your healthcare needs over the past year. Did you find yourself paying too much out-of-pocket? Were there services you needed that weren’t covered? These are important questions to consider.
Compare Plans: Once you’ve reviewed your current coverage, compare it to other available plans. Medicare’s Plan Finder tool is an excellent resource for this, allowing you to compare costs, coverage, and customer ratings.
Consider Your Prescription Drug Needs: If you’re enrolled in a Medicare Part D plan, review your current medications and how they’re covered. Plans can change their formularies (list of covered drugs), so it’s essential to ensure your medications will still be covered in 2024.
Check for Additional Benefits: Many Medicare Advantage plans offer additional benefits not covered by Original Medicare, such as dental, vision, and hearing services. If these are important to you, consider whether a Medicare Advantage plan might be a better fit.
Consult with a Professional: Medicare is complex, and making changes during AEP can feel daunting. At GHT Insurance Services, we’re here to help. Our knowledgeable agents can guide you through the process, ensuring you make informed decisions that align with your healthcare needs and financial goals.

Common AEP Pitfalls to Avoid

While AEP is an opportunity to improve your healthcare coverage, it’s essential to avoid common pitfalls:

Waiting Until the Last Minute: Procrastination can lead to rushed decisions. Start your review early to ensure you have ample time to consider your options.
Ignoring the Details: Medicare plans vary widely in terms of coverage, costs, and network providers. Take the time to understand the specifics of each plan you’re considering.
Overlooking Prescription Drug Coverage: Prescription drug costs can add up quickly. Ensure any plan you choose provides adequate coverage for your medications.

Looking Ahead: What to Expect in 2024

As we approach AEP 2024, there are a few trends and changes to be aware of:

Telehealth Expansion: Many Medicare Advantage plans are continuing to expand their telehealth services, a trend that began during the COVID-19 pandemic. This can be a valuable benefit if you prefer the convenience of virtual healthcare visits.
Increased Focus on Preventive Care: Medicare is placing a greater emphasis on preventive care, with more plans offering benefits like gym memberships and wellness programs.
Rising Premiums: While some plans may see stable premiums, others could experience increases. It’s important to balance premium costs with the coverage and benefits offered.

How GHT Insurance Services Can Help

At GHT Insurance Services, we’re committed to helping you navigate the complexities of Medicare, especially during the crucial AEP period. Our experienced agents can provide personalized guidance, helping you compare plans, understand your options, and make decisions that align with your healthcare needs and budget. Don’t let the AEP pass without taking action—reach out to us today to schedule a consultation.

The Growing Importance of Cyber Insurance in a Digital World

Wed, 17 Jul 2024 15:17:19 GMT

In today's increasingly digital world, businesses of all sizes are vulnerable to cyber threats. From data breaches to ransomware attacks, the risks are growing, and the consequences can be severe. As a result, cyber insurance has become a critical component of a comprehensive risk management strategy. At GHT Insurance Services, we understand the unique challenges that businesses face in protecting their digital assets. In this blog post, we'll explore the importance of cyber insurance, what it covers, and how it can protect your business from potentially devastating losses.

The Rising Threat of Cyber Attacks

Cyber threats are on the rise, and no business is immune. In recent years, we've seen a significant increase in cyber attacks, targeting businesses across all industries. These attacks can take many forms, including:

Data Breaches: Unauthorized access to sensitive information, such as customer data or financial records, can lead to significant financial losses and damage to a company’s reputation.
Ransomware: Ransomware attacks involve malicious software that encrypts a company's data, rendering it inaccessible until a ransom is paid. These attacks can bring business operations to a halt and result in substantial financial losses.
Phishing: Phishing attacks involve deceptive emails or messages designed to trick recipients into revealing sensitive information or clicking on malicious links. These attacks are often the entry point for more significant breaches.
Business Email Compromise (BEC): BEC attacks target businesses by compromising email accounts to redirect payments or steal sensitive information. These attacks can be particularly costly.

The Impact of a Cyber Attack

The consequences of a cyber attack can be devastating, particularly for small and medium-sized businesses. The potential impacts include:

Financial Losses: The costs associated with a cyber attack can be substantial. This includes direct costs, such as paying a ransom or restoring systems, as well as indirect costs, such as lost revenue due to business interruption.
Reputational Damage: A cyber attack can damage a company's reputation, leading to a loss of trust among customers, partners, and stakeholders. Rebuilding a damaged reputation can be a long and costly process.
Legal Liabilities: If a data breach results in the exposure of sensitive customer information, a business may face legal liabilities, including fines, penalties, and lawsuits.
Regulatory Compliance: Many industries are subject to strict regulations regarding data protection. A cyber attack that results in non-compliance can lead to significant fines and other penalties.

What Cyber Insurance Covers

Cyber insurance is designed to help businesses mitigate the financial impact of a cyber attack. While coverage can vary depending on the policy, cyber insurance typically includes:

Data Breach Response: Coverage for the costs associated with responding to a data breach, including notification of affected individuals, credit monitoring services, and public relations efforts to manage reputational damage.
Business Interruption: Coverage for lost income and additional expenses incurred due to a cyber attack that disrupts business operations.
Cyber Extortion: Coverage for ransom payments and the costs associated with responding to a ransomware attack.
Legal Fees and Regulatory Fines: Coverage for legal expenses, fines, and penalties resulting from a data breach or other cyber incidents.
Liability Coverage: Coverage for claims made against your business by third parties, such as customers or partners, who are affected by a cyber attack.

The Importance of a Comprehensive Cyber Risk Management Strategy

While cyber insurance is a crucial component of risk management, it should be part of a broader strategy that includes proactive measures to prevent cyber attacks. Some key elements of a comprehensive cyber risk management strategy include:

Employee Training: Educating employees about cyber threats, such as phishing and social engineering, is essential for preventing attacks. Regular training sessions can help employees recognize and respond to potential threats.
Robust Security Measures: Implementing strong security measures, such as firewalls, encryption, and multi-factor authentication, can help protect your business from cyber attacks.
Regular Backups: Regularly backing up data ensures that you can quickly restore systems in the event of a ransomware attack or other incidents that compromise your data.
Incident Response Plan: Having a well-defined incident response plan in place can help your business respond quickly and effectively to a cyber attack, minimizing the impact on operations.

How GHT Insurance Services Can Help

At GHT Insurance Services, we understand that the digital landscape is constantly evolving, and so are the threats facing businesses. Our team of experienced agents can work with you to assess your cyber risk and develop a comprehensive insurance plan that meets your needs. Whether you're a small business or a large corporation, we can help you protect your digital assets and ensure your business is prepared for the unexpected. Don’t wait until you’re the victim of a cyber attack—contact us today to learn more about cyber insurance and how it can safeguard your business.

Preparing for Hurricane Season: Protecting Your Property and Peace of Mind

Thu, 13 Jun 2024 15:16:01 GMT

When hurricane season approaches, the potential for severe weather and its devastating effects on homes and businesses becomes a significant concern. In recent years, hurricanes have caused billions of dollars in damage, displacing families and disrupting lives. At GHT Insurance Services, we understand the importance of being prepared and ensuring that your property is adequately protected. In this blog post, we'll explore the steps you can take to prepare for hurricane season and the role that insurance plays in safeguarding your assets.

Understanding Hurricane Risk

Hurricanes are powerful storms that can cause widespread damage through high winds, heavy rain, and storm surges. Coastal areas are particularly vulnerable, but even inland regions can experience severe effects. The damage from a hurricane can include:

Wind Damage: High winds can tear off roofs, break windows, and uproot trees, causing significant structural damage to homes and businesses.
Flooding: Heavy rains and storm surges can lead to flooding, which can be catastrophic for properties not covered by flood insurance.
Power Outages: Hurricanes often result in prolonged power outages, which can disrupt daily life and cause further damage, such as spoiled food and water damage from sump pump failures.

Preparing Your Property for a Hurricane

Taking proactive steps to prepare your property for a hurricane can significantly reduce the risk of damage:

Reinforce Your Home: Ensure your home is structurally sound by inspecting the roof, windows, and doors. Consider installing storm shutters or impact-resistant windows, and reinforce garage doors to withstand high winds.
Trim Trees and Shrubs: Keep trees and shrubs around your property trimmed to reduce the risk of branches breaking off and causing damage during a storm.
Secure Outdoor Items: Bring in or secure outdoor furniture, grills, and other items that could become projectiles in high winds.
Create a Hurricane Kit: Assemble a kit with essential supplies, including water, non-perishable food, flashlights, batteries, first aid supplies, and any necessary medications. Make sure you have enough to last at least 72 hours.
Develop an Evacuation Plan: Know your evacuation route and have a plan in place for where you will go if you need to leave your home. Keep important documents and valuables in a waterproof container, ready to take with you if necessary.

The Role of Insurance in Hurricane Protection

Insurance is a critical component of hurricane preparedness. However, not all insurance policies provide the same level of protection, so it’s essential to review your coverage carefully:

Homeowners Insurance: Standard homeowners insurance typically covers wind damage from hurricanes but may not cover flood damage. Review your policy to understand what is covered and consider adding riders or endorsements if necessary.
Flood Insurance: Flooding is one of the most common and costly consequences of hurricanes. However, standard homeowners insurance does not cover flood damage. To protect your property, you’ll need to purchase a separate flood insurance policy. Keep in mind that there’s usually a 30-day waiting period before coverage takes effect, so don’t wait until a storm is approaching to buy flood insurance.
Business Insurance: If you own a business, it’s important to have adequate commercial insurance that covers hurricane-related risks. This includes coverage for property damage, business interruption, and extra expenses incurred due to a hurricane.
Auto Insurance: If a hurricane causes damage to your vehicle, comprehensive auto insurance will typically cover the repairs. Review your auto insurance policy to ensure you have sufficient coverage.

What to Do After a Hurricane

If a hurricane does cause damage to your property, it’s important to take the following steps:

Document the Damage: Take photos or videos of the damage as soon as it’s safe to do so. This documentation will be crucial when filing an insurance claim.
Contact Your Insurance Agent: Notify your insurance agent as soon as possible to start the claims process. Provide them with all necessary documentation and information about the damage.
Make Temporary Repairs: If your property is damaged, make temporary repairs to prevent further damage. Keep receipts for any materials or services used, as these may be reimbursed by your insurance company.
Stay Safe: Avoid entering damaged buildings until they’ve been inspected and deemed safe. Be cautious of downed power lines, standing water, and other hazards.

How GHT Insurance Services Can Help

At GHT Insurance Services, we’re dedicated to helping you protect your property and peace of mind during hurricane season. Our experienced agents can review your current insurance policies, recommend additional coverage if needed, and assist you in the event of a claim. Don’t wait until it’s too late—contact us today to ensure you’re fully prepared for hurricane season.

tabangay-and-turner-llc

ChicagoWest Business Center: At-Grade Railroad Crossing

AOS

Gas Station - Chicago, IL

Landscaping Business

Shopping Center

Multi-Tenant Commercial Office Building

Industrial Warehouse

Mariano's - Des Plaines

IDI Logistics

Vynera Transportation Inc.

Thorntons Gas Station

Antebellum Manufacturing

Romeoville Gateway Association

Amazing Grace Kids Palace, Inc.

351-53 West Dickens Condo Association

Icing – Chicago, IL

Commercial Property on North Michigan Avenue

Housing Development

Bluff City Materials

Buffalo Wings & Rings Franchise in Bridgeport

Commercial Property at State & Division

Burger King

Reggies South Loop

Buona Beef Itasca

Shell/McDonald’s – Buffalo Grove, IL

McDonalds Bucktown

Joliet Subterranean Mine

Wintrust Old Town - Chicago, IL

Food Processing Plant - Romeoville

Armanetti Express - Chicago, IL

Mariano’s Fresh Market – Elmhurst, IL

Buona Beef – Hillside, IL

Check-n-Go Lombard

Main Street Marketplace

McDonald’s – Glenview, IL

Briarwood Retail Center

Abbott Business Center

Federal Express Facility

Klein Creek Golf Course

Baseball Fields

Catholic Church

Islamic Mosque

Parkway Bank

Subterranean Limestone Mine Portal

Valbona's Beauty Salon

Valbona’s Beauty Salon ﻿

Park Place Condominiums

Park Place Condominiums – Elmwood Park, IL

Navigating Medicare AEP: What You Need to Know for 2024

Understanding Medicare AEP

Why AEP Matters

Steps to Take During AEP

Common AEP Pitfalls to Avoid

Looking Ahead: What to Expect in 2024

How GHT Insurance Services Can Help

The Growing Importance of Cyber Insurance in a Digital World

The Rising Threat of Cyber Attacks

The Impact of a Cyber Attack

What Cyber Insurance Covers

The Importance of a Comprehensive Cyber Risk Management Strategy

How GHT Insurance Services Can Help

Preparing for Hurricane Season: Protecting Your Property and Peace of Mind

Understanding Hurricane Risk

Preparing Your Property for a Hurricane

The Role of Insurance in Hurricane Protection

What to Do After a Hurricane

How GHT Insurance Services Can Help

Valbona’s Beauty Salon