Wheather the Storm

Mass Exodus

Thousands of cars headed North causing miles of  backups on Florida's interstate Highways to flee the wrath of Hurricane Irma.  Drivers waited for hours at gas stations, while others, including my daughter stood in line for hours at the airport.  I'm so glad she's back safe in NY.  My thoughts are with the people in FL, Carolinas and neighbor states - Be safe.

"Once the evacuation order is given, don't wait around," Sen. Bill Nelson

Hurricane Preparedness...Be ready 

Plan and Take Action

FEMA
Weather.com

Wheather the Storm ... What you should know

You shouldn't wait to review your homeowners policy when there's a storm coming.  Most insurance companies put binding restrictions in place before a storm preventing customers from purchasing policies or making changes like increasing coverage or reducing deductibles.


Homeowner policies usually cover damage from wind, rain and weight of ice and snow.  Some policies have higher windstorm deductibles and most have higher Hurricane deductibles.  Meaning your regular  deductible will not apply if you have a loss during one of these storms.  Review your policy and look for replacement cost and deductibles.

Most homeowner policies don't cover damage caused by rising water.  So if a hurricane tears the roof off your home and rain damages your personal property the insurance would pay to repair the home and replace your possessions, but damage  caused by water rising from a flooded street would  only be covered by a separate flood policy.

Remember to play after the storm ~ Mattie Stepanek