In this week’s podcast episode, I talk about how insurance agents can help their policyholders prepare for hurricane season. Here are a few excerpts from the podcast, along with resources that appear at the end of the post:
Did you know?
- Hurricane season begins on June 1 in the Atlantic and on May 15 in the Eastern Pacific. In all locations, it ends on November 30.
- The biggest threat during a hurricane is storm surge–especially at high tide.
- The National Weather Service reports that the number of hurricanes keeps growing each year.
- During high winds, the 4 biggest areas of weakness in any building are its roof, windows, entrance doors, and garage doors.
- Not all property insurance policies provide coverage for wind–especially in coastal states.
- NO standard property insurance policies provide coverage for storm surge caused by a hurricane. This is because, in most states, it is considered a form of flood–which is an excluded peril.
For more information about how to prepare for hurricane season, listen to the entire podcast, which can be found at: https://episodes.castos.com/5e6ccb9ab4cf97-55025247/TMoI-Ep-16-Aug-4-Prepare-Hurricane-Seaxon.mp3
Resources: Prepare for Hurricane Season
Ready.Gov Hurricanes: https://www.ready.gov/hurricanes
NOAA Hurricanes: https://www.noaa.gov/education/resource-collections/weather-atmosphere/hurricanes
National Weather Service Hurricane Safety: https://www.weather.gov/safety/hurricane
Webpage with database of disaster declarations by state: https://www.fema.gov/disasters/
DHS’ DisasterAssistance.gov website: https://www.disasterassistance.gov/
SBA disaster loans: https://disasterloan.sba.gov/ela/Home/Questions
NFIP/FEMA Hurricane Season: https://agents.floodsmart.gov/pacifichurricaneseason