Okay, we get that it might seem a little early to be talking about hurricane season. There’s nothing to worry about quite yet, is there? There’s still time before the big storms hit, right? Well, sure, but the thing is that it’s important to give yourself time to get your insurance situation sorted out. Here are five things to know about hurricane season and home insurance – we’ll explain why it’s never too early to prep your insurance for hurricane season.
As far as hurricane season goes, we’re not out of the woods yet. (Hurricane season in the Atlantic goes from June to the end of November.) If you’re trying to get home insurance ahead of a major hurricane, you may encounter a problem: no one’s selling it in your area. There’s a reason that you can’t get home insurance before a hurricane: binding restrictions (a.k.a. moratoriums.)
Well, that doesn’t sound good. But what is that, exactly? We’ll explain.
Hurricane Florence, a Category 3 storm, is poised to hit the North Carolina, South Carolina, Virginia, and Georgia coasts. The outer edge of the storm is already brushing against the cost of the Carolinas and the hurricane is expected to fully make landfall tomorrow afternoon (Friday, September 14th.)
Part 1: Hurricanes
Natural disasters. These words can send shivers down your spine. It seems like every day we hear about another natural disaster as they seem to rise to Biblical proportions: hurricanes, tropical storms, earthquakes, tornadoes, etc.
As a homeowner, just because you may have home insurance, it doesn’t mean you will necessarily be covered in the case of a natural disaster with your current policy. You may be wondering, “How can that be?” Well, let’s find out together as we look at the most common natural disasters that hit the United States each year.
Will your homeowners protect you from Hurricanes?
Normally when you think of hurricanes you think of coastal towns like Galveston, Texas. The facts are though that hurricane winds can cause damage to cities that may normally not be prone to hurricane damage. For example, all you have to say is the name “Sandy” and now you have New York and New Jersey paying close attention too.
Did you know that hurricane season officially runs from June 1 through November 30 each year with the busiest time between mid-August and mid-September?
What does that mean for you? It’s time to batten down the hatches! While Georgia has not had a “direct hit” hurricane since the 1800’s, we certainly can get heavy rain, high winds, or tornadoes from the remnants of the Atlantic and Gulf coast storms. That raises an important question:
What can we do to protect our homes and families from hurricanes?
Here are a few helpful tips so that you and your family will be prepared ahead of time.