Review Your Home Insurance for Hurricane Coverage
Severe hurricanes, winds, flooding, and wildfires that have caused widespread damage in recent years have heightened concerns that a changing global climate may be leading to more frequent and extreme natural catastrophes. With hurricane season upon us, we want to remind everyone to be prepared for flooding, high winds, and torrential rains.
Hurricane Terminology
The term hurricane is used for Northern Hemisphere tropical cyclones east of the International Dateline to the Greenwich Meridian. The term typhoon is used for Pacific tropical cyclones north of the Equator west of the International Dateline.
A Hurricane Watch means that there is a threat of a hurricane, but it is not imminent. The watch covers a specific area and time period.
A Hurricane Warning means that a hurricane is expected within 24 hours with sustained winds of 74 mph or more.
It is important to note there may be a waiting period and most companies will not accept new (or increased) coverage applications after a named tropical storm is designated by the United States Weather Bureau. Your local personal independent insurance agent works with multiple insurance companies and can help you quote Hurricane insurance for your Condo, Renters, Apartment, and Home insurance. Contact us to start your quote.
Hurricane Categories
Based on the Saffir-Simpson Scale Hurricane Wind Scale
Cat 1 – Wind speed of 74-95 mph
Cat 2 – Wind speed of 96-110 mph
Cat 3 – Wind speed of 111-130 mph
Cat 4 – Wind speed of 131-155 mph
Cat 5 – Wind speed of 155+ mph
The 2020 hurricane season is upon us and scientists are already making predictions. Expert forecasts a possibility of 17 named storms for this year’s North Atlantic hurricane season – much higher than the average of 12 storms.
Tips to be Prepared for a Hurricane
- Make a plan. Your plan should be a working document that should be reviewed and updated periodically.
- Be Informed.
- Evaluate your location(s).
- Check roofs and make repairs as needed.
- Remove or brace loose equipment and debris.
- Clear drains and catch basins from obstructions.
- Back up computer data
- Install protective covers on windows and/or openings as needed.
Flood and hurricane resources to help organize, plan, or prepare your family, home, condo and pets:
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