Tag Archives: hurricane insurance florida

What is Wind Damage – Flood – Storm Surges from Hurricanes

Tropical Storms have winds from 39-73 mph. The are not as strong as a hurricane, but have the potential to do damage. Hurricane winds range from 75 mph and up. The stronger the winds the higher the category number for a Hurricane.

Category One – 74-95 mph
Damage to mobile homes and manufactured home that are not anchored, shrubbery, trees, some coastal flooding and minor pier damage. Loss of electricity. Storm surge 4-5 ft

Category Two – 96-110 mph
Damage to possible destruction of mobile homes, manufactured homes, roofs, windows, trees, shrubbery, small craft in unprotected anchorages. Loss of electricity. Storm surge 6-8 ft

Category Three – 111-130 mph
Mobile homes are destroyed. Damage to small residences and utility buildings. Structural damage to homes possible. Flooding well inland very possible. Loss of electricity. Storm surge 9-12 ft

Category Four – 131-155 mph
Extensive damage to loss of curtain wall (an outer covering of a building in which the outer walls are non-structural, used to keep out the weather.) Roof damage to destruction, damage to homes in general, flying debris, flooding, beach erosion. Loss of electricity. Storm surge 13-18 ft

Category Five – 155 mph+
Catastrophic Damage to what ever is in its path. If you do not have to be in a category Five Hurricane, Evacuate! This can cause, Roof destruction, loss of any utility buildings, major flooding to lower floors and all buildings and homes on or near a shoreline. Total destruction to mobile and manufactured homes. Extensive damage to homes and buildings. Flooding. Loss of electricity. Storm surge 18 ft +.  Hurricane Dorian Category 5, reached up to 185 mph with over 200 mph wind gusts over the Bahamas. Taking about the same route as Hurricane Andrew in 1992, this is very scary for all concerned in the Bahamas and Florida Coast.

If you live in a high rise building at the highest floor, you are likely to see more wind damage then on the lower floors, being the wind is stronger at higher levels. Lower levels may experience flooding, depending on the storm surge and category of the hurricane. If you are renting, be sure you have renters insurance, your landlords insurance may cover the building but not your personal belongings.

Hurricane winds are preceded by Tropical Storm winds and should not be taken lightly. Hurricane force most intense winds are on the right side of the eye wall. The eye wall (the inner circular formation of the hurricane) carry the highest winds and rain surrounding it. If you have the eye of a Hurricane coming over your area, you will experience a lull in the storm. This could be for just a few minutes to more depending on the size of the eye, how many miles across, and you do not want to be outside when the eye passes completely. The winds will pick up again for the other half of the storm.

Check your home owners insurance before a hurricane is near your area to be sure your up to date. Once there is a watch issued binding restrictions take place within the carriers and aren’t lifted until the storm passes..

Flood insurance is not a part of your homeowners insurance coverage and you will have to purchase it separately and will take 30 days to go into effect. Even if you are not in a flood zone, when there is a hurricane in your area, you will run the risk of possible flooding. Purchasing Flood Insurance would be a good idea before the Hurricane season starts.

Contact Us today for a homeowners and flood insurance questions or quotes at 863-453-3903 or visit our website budgetbirite.com fill out the form and we will have an agent contact you within 24 hours.

 

 

 

Photo Courtesy of TipsDave at Pixabay.com

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Preparing For 2019 Hurricane Season and What to Consider for a Supply Kit

ID-100156365Preparing for a flood, hurricane or tropical storm is to get out of town for many. Securing your home the best you can and hitting the road. Many times a flood can come about with a hurricane or tropical storm. Before the warning goes up for a big named storm, you need to think ahead about safety and supplies. From June until November it is hurricane season in Florida and if you live on any coast you should make plans to put together a Hurricane supply kit or check the one you have and refurbish if necessary.

Number one on your list should be water.
One gallon per day per person and you should have a least a 3 day supply. (Considering the stronger Hurricanes i.e. Michael 2018, more then a three day supply may be needed). You will also need water for cleaning, and cooking. When you see bottled water on sale pick up what you need and for your supply kit to use during Hurricane season. If there is no hurricane, you can always drink it up when out of Hurricane season. See this article about how to store bottled water and more. Five Facts You Should Know About Bottled Water

Power Outages

With power outages you will not have refrigeration unless you have a generator and when it comes to food supplies canned or non perishable foods are essential.

Crackers, peanut butter, jelly, bread, canned goods, energy bars, granola bars, powdered drink mixes, etc. What ever your family likes consider this for your food supply, and don’t forget you will need a manual can opener if you do not have on already. These Are the Best Foods to Stockpile for an Emergency

Tip: When Hurricane Charley (2004) was on its way on the west coast of Florida, we were caught off guard and had a short time to prepare when it turned in early and came through Ft. Myers to central Florida. Coolers went fast, they were hard to find as well as ice and generators. With the ice I could gather up, I packed it in my freezer and moved as many items I could freeze from my fridge to the freezer so it would last longer and we could have a chance to use up the food cooking it on the grill after the storm. You should not eat any food that has been in a refrigerator that has been off longer then 4 hours. A well packed freezer will hold your food good for up to two days. Food and Water Safety During Power Outages and Floods

Here are some other items you will need;

Cell Phones and Chargers:

Cells phones should be fully charged before the storm hits. With searches on the internet, texting and phone calls after the storm, you can use up the life of the battery fairly quickly if not careful. Since there had not been in a Hurricane since 2004 when Hurricane Irma 2017 came to central Florida, many learned how fast that cell phone lasted. What saved us was a charger you could plug into your vehicle for recharging. This is essential to add to your supply kit or even to keep in your vehicle at all times.

Coolers and Ice – You may want to have a separate smaller cooler for any medications that need refrigeration.

Medications: At least a 2 week supply should be on hand

NOAA Weather Radio – Always have a NOAA Weather Radio on hand with batteries. The NOAA Weather Service will keep you up to date for flood warnings, hurricanes, tropical storms and other critical information you will need.

First Aid Kit, Insect repellent and sunscreen, moist towelettes and personal hygiene items

Flashlights and Batteries and if someone in your household has an hearing aid, make sure you have extra batteries.

Copies of personal documents like your insurance policies should be placed in a plastic baggie and sealed.

Baby Supplies – bottles, diapers, formula, baby wipes, medication, Baby Tylenol, baby food, blankets, wash clothes.

Pet Supplies – Food, water, ID tag, carrier, leash and of course toys.

Emergency Blankets and Towels

Extra Clothes for everyone in your family. Laundry will not be available so you may want to consider doing laundry before the storm hits.

Multi Purpose Tool Kit for any repairs needed.

Gasoline -You will need this for a generator and be sure to fill up your vehicle before the storm. Generator Safety Tips That Will Get You Through a Storm, and Maybe Save Your Life

Propane for your gas grill or Charcoal. If you have a gas grill you can cook on that or make use your supply of charcoal. (Always use outdoors)

Keep cash on hand for after the storm, it may come in handy at a grocery store or other places without back up generators.

Once a storm hits and the days after you will be glad you have supplies. You also may want to consider purchasing a floor fan that can be run by your generator.

Don’t forget your neighbors. Check on them after the storm to be sure they are safe.

 

 

 

 

 

 

Photo Courtesy of Vlado at FreeDigitalPhotos.net