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Most Caribbean business continuity plans were written for a Category 3 world and are silent on the questions that decide the first 48 hours. This runs one business unit through a Category 3 and a Category 5 direct hit, ranks your dependencies by how fast each has to come back, finds the week your cash gets tight, and gives you a one-page call sheet to print.
The output is not a business continuity plan. It is the starting point a COO and a CFO can argue with: a disruption window your operation has to survive, the order your dependencies have to come back in, the point at which cash becomes the binding constraint, and the calls that have to be made before anyone has time to think.
The windows below are planning bands drawn from what Category 4 and 5 events have actually done to Caribbean infrastructure in recent seasons, not forecasts. Your own utility's restoration history beats any figure on this page, and where you have it you should substitute it. What the tool is for is making the assumptions visible so the disagreement happens now rather than during the event.
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Run this once per business unit rather than once per company. A plan that averages across units hides the one that fails first.
Category 3 direct hit
– working days before this unit operates normally againCategory 5 direct hit, peak week
– working days before this unit operates normally againRestore in this order
Where cash becomes the constraint
First 48 hours
Fill this in, print it, laminate it, and put a copy in the car of everyone named on it. A plan on a server behind a login is not available at 6am with the power out. Printing this page prints only the sheet below.
Hurricane call sheet
Restoration bands
Planning bands reflecting what Category 4 and 5 events have done to Caribbean power, telecoms and road access in recent seasons, including Hurricane Melissa's Category 5 landfall on Jamaica's southern coast in late October 2025. They are planning assumptions, not forecasts. Substitute your own utility's restoration history wherever you have it.
Season context
The Atlantic season peaks around 10 September. NOAA's 2026 outlook puts a below-normal season at 55 percent probability with eight to 14 named storms, and Caribbean landfall probability at 35 percent against a 47 percent historical average. Seasonal counts describe how many storms form, not where they go.
Why Category 5 is the planning case
Not because it is the likeliest event in any given year, but because every lesser scenario is contained inside it. A plan that survives a Category 5 direct hit in the peak week survives the others. A plan built only for a Category 3 has not been tested.
Privacy
Everything runs in your browser. Nothing you enter is transmitted, stored or logged, and there is no login. Close the tab and it is gone.