Hurricane Awareness – Wind Damage – Flood – Storm Surges

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! 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 +

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 a hurricane watch or warning has been announced you are highly unlikely able to purchase Hurricane Coverage. 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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What You Need To Know About Manufactured and Mobile Home Insurance Coverage

HouseThere are various types of Mobile Home Insurance Policies to provide coverage for fires, storms and more.

Structure ProtectionCovers the cost to replace or repair your mobile home when they’ve been damaged or destroyed by fire, wind, and other elements such as storms. Check with your agent if Hurricane coverage is included or if you have to pay extra. Flood coverage is not included.

Personal Property Protection – Covers the cost to replace your personal property – clothing, furniture, tools, electronics, etc. when they are damaged or stolen. The same applies here for hurricanes and floods.

Additional Living Expenses – Covers additional living expenses when your mobile home is being repaired or is too damaged to reside in. This includes hotel bills, food, etc.

Liability Protection – Covers injuries to visitors, including medical bills and legal fees.

Don’t wait until the last minute to purchase Mobile Home Insurance. You will not be able to purchase any type of homeowners insurance, including Manufactured or Mobile Home Insurance when a tropical storm or hurricane is announced to hit Florida. Please check with Budget Bi Rite to learn more about these strict rules. It’s always better to be safe than sorry. There’s nothing like having to start from scratch when you’ve been through a tragic event like a hurricane and your home has been destroyed.

 

 

Photo Courtesy of Pixabay.com

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