Hurricane Insurance

Hurricane Insurance is an insurance which covers loss resulting from hurricane damage.

A hurricane is a tropical storm with winds which have reached a constant speed of 74 miles per hour or more. Hurricane winds blow in a large spiral around a relative calm center known as the "eye." The "eye" is generally 20 to 30 miles wide, and the storm may extend outward 400 miles. As a hurricane approaches, the skies will begin to darken and winds will grow in strength. As a hurricane nears land, it can bring torrential rains, high winds, and storm surges. A single hurricane can last for more than 2 weeks over open waters and can run a path across the entire length of the eastern seaboard. August and September are peak months during the hurricane season that lasts from June 1 through November 30. (source: FEMA)

Tips on preparing your home for a Hurricane:

Be prepared for the worst, as each hurricane is different.

Investing in flood insurance saves you from the damage caused by hurricane related floods.

Take an advice from your engineer on how to make your home more resistant to hurricane damage.

Install storm doors. You will also need strong screws or nails that will be long enough to go through the wood around the window frame.

Do not use electrical appliance during the storm.

Have a landline phone service instead of cordless phone as hurricanes will put you out of power service.

Create a network of relatives, friends and neighbors to aid you in case of emergency.

Keep an emergency kit which includes medicines, water, food, cash, important documents, first aid kit etc. Make arrangements for your pets.

As most policies usually cover damage caused from wind and rain, check your home owner�s insurance policy as to what it covers. Contact your local insurance agents and check out for the requirements and replacement coverage. Be cautious in choosing your building contractors, as they encourage you to spend a lot of money on temporary repairs.

Many can get help from their own life insurance policy. Over half of life insurance policyholders own policies that have cash value. The best use of this cash value is a loan -money that can be borrowed from the policy without waiting for lender�s approval. No matter the money is not taxable as you are borrowing against your own money, but the lender does charge interest on the loan; which is fixed on some policies. Keep in mind that insurance coverage varies by state and by company; it has its own claims filing procedures.

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