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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. Ten audit questions score your plan out of 100. Alongside that, 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 the starting point a COO and a CFO can argue with. It does not replace a business continuity plan. It gives you a score out of 100 against ten things a working plan has to do, 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 score is a self-assessment, so it is only as honest as the answers. It is weighted by consequence: the one-page call sheet and the last exercise carry as much as the scenario modelling, because those are the parts that fail people at 6am. The storm in the panel below draws your exposure. A weak plan turns hard and dark; a strong one loosens and opens its eye.
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, in a meeting, with everyone awake.
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Run this once per business unit. A plan that averages across units hides the one that fails first.
Answer for the plan you have today. A plan that scores badly here is still worth more than a plan nobody has tested, because you now know which part fails first.
Answer the ten audit questions above. The storm draws your exposure: the worse the plan, the harder it turns.
0 of 10 answered
Fix these 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
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
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