News Center > Prepare for Hurricane Season Now
|FOR IMMEDIATE RELEASE||FOR INFORMATION, CONTACT|
|May 23, 2013
||Vivian D. Laxton, 410-468-2007
Director, Public Affairs
PREPARE FOR HURRICANE SEASON NOW
June 1 marks the start of hurricane season, and now is the time to review your homeowners insurance policy. A natural disaster doesn’t have to turn into an insurance disaster. According to the Maryland Insurance Administration, it pays to know what your policy covers, and what it excludes, if your property is damaged.
Hurricane forecasters expect an active season this year. Last year 19 named storms formed in the Atlantic Ocean. Don’t wait for a major storm to roll through to review your policy. Find out if your policy has special deductibles or limitations associated with this type of storm claim. Now is the time to prepare so you won’t be caught off guard should your home be damaged by a storm this hurricane season.
Super Storm Sandy, and Tropical Storm Isabel before her, taught many people that damage from flooding is not covered under most homeowners insurance policies. Flood insurance is available through the National Flood Insurance Program and some private insurers. Generally, there is a 30-day waiting period before new policies take effect. The Federal Emergency Management Agency (FEMA) provides useful information to help homeowners reduce the financial impact of flooding.
During National Hurricane Preparedness Week, which runs May 26 through June 1, Insurance Commissioner Therese M. Goldsmith encourages all Marylanders to read their insurance policies carefully. The Maryland Insurance Administration offers guides and general information about insurance coverage at community outreach events and online. Your insurance agent can help to explain specifically what is covered by your policy and what is not.
Some ways to prepare for disaster include:
Maryland Insurance Commissioner Goldsmith and Governor O'Malley survey damage and
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