Hurricane season officially started June 1st, are you ready?
The National Oceanic and Atmospheric Administration (NOAA) predicts a near normal 2012 Atlantic hurricane season with nine to 15 named storms, of which four to eight will strengthen to a hurricane with winds of 74mph or more and of those, one to three will become major hurricanes with top winds of 111mph or more. While these numbers are slightly below average for hurricanes for the region, it only takes one storm to make landfall for a major disaster.
Are you prepared for hurricane season?
By now you should have completed all necessary pre-hurricane season preparations, but if you haven’t, looking at your insurance policies to ensure you have adequate coverage in place would be a good place to start. It is important to know what you are covered for and what your deductible is. Are you covered for windstorm, flooding and other storm related damage?
Many homeowners and business owners do not realize that most windstorm policies do not cover flooding, and include a 30-day waiting period before flood insurance coverage becomes effective.
“When a tropical storm or hurricane threatens Florida, you can’t buy or modify coverage, so plan ahead.” suggests Laura Lieberman, General Manager of the Business Insurance Division of MHG. “Most of the carriers follow Citizens so if they have suspended binding authority, chances are the other carriers have too.”
Take time this weekend to review your insurance coverage and get the rest of your hurricane plan in place. Don’t forget to check your shutters, generator, take pictures of the outside and inside of your property, gather important papers, place them in a plastic bag, and store in a safe place. Also, trim dead or weak branches from trees as they can become missiles. It is important to have an evacuation plan, including a family meeting spot, shelter location if needed, and to make arrangements for your family pets as not all shelters are animal friendly.
Prepare a disaster kit. This kit should include enough food and water for each family member for three days, a battery-powered radio and flashlights, an emergency contact list, personal hygiene items, cash (no electricity means no working ATMs) and first aid materials. If any in your family requires regular medication make sure to include an ample supply.
Lastly, be sure to fill up your gas tanks ahead of time as the lines at the gas station will increase as the storm nears.
MHG Insurance Brokers urges you to be ready for hurricane season. As an insurance broker, MHG works for you, our client. We research the market to find the best suited plans based upon your needs, future plans and budget requirements. Whether you are looking for commercial insurance, comprehensive health benefit plans, life insurance, travel insurance, trip cancellation insurance, or a specialty marine medical plan, speak with the insurance specialists at MHG. Contact us today at 877-278-7400 to learn more.