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Is Hurricane Insurance Available to You? Ames IA

Here's the good news: Hurricane insurance is available. Here's the bad news: your regular homeowners insurance policy will not normally include the coverage you need for hurricanes

Severson Insurance Agency Inc
(515) 232-7203
205 Clark Avenue
Ames, IA
 
Hills Insurance Agency
(319) 679-2139
131 Main Street
Hills, IA
 
Heil Insurance Agency Inc
(641) 673-6143
801 A Avenue East
Oskaloosa, IA
 
Allstate Insurance Christy Cox
(563) 359-4079
5159 Utica Ridge Rd
Davenport, IA
 
Cameron T K Insurance
(319) 752-0966
600 South Starr Avenue
Burlington, IA
 
Allstate Insurancemarci Baldwin
(515) 232-0771
516 Lincoln Way #b
Ames, IA
 
Farmers Insurance
(712) 328-9239
1221 East Pierce Street Suite 200
Council Bluffs, IA
 
Dodds Bob Insurance Agency
(319) 392-8311
202 North Main Street
Danville, IA
 
Citizens State Agency
(563) 864-7648
100 N Lawler Street
Postville, IA
 
Grandypratt Co
(712) 252-4026
4280 Sergeant Rd
Sioux City, IA
 

Is Hurricane Insurance Available to You?

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Hurricane Insurance

Since the 2004 hurricane season, we are all much more aware of the devastation that a hurricane can leave in it's wake. We are also much more aware of the need for insurance against hurricane damage.

Here's the good news: Hurricane insurance is available. Here's the bad news: your regular homeowners insurance policy will not normally include the coverage you need for hurricanes.

If you don't know a lot about hurricanes themselves, here are a few facts: A hurricane is a tropical storm with winds that 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 miles to 30 miles wide, and the storm may extend outward 400 miles. August and September are peak months during the North American hurricane season, which lasts from June 1 through November 30.

Tropical cyclones are classified as follows:

Tropical Depression- An organized system of clouds and thunderstorms with a defined circulation and maximum sustained winds of 38 mph (33 knots) or less. Tropical Depressions do not normally result in damage.

Tropical Storm- An organized system of strong thunderstorms with a defined circulation and maximum sustained winds of 39 mph to 73 mph (34-63 knots). A large tropical storm can leave damage in it's wake, but it will not be as serious or widespread as a hurricane.

Hurricane- An intense tropical weather system with a well-defined circulation and maximum sustained winds of 74 mph (64 knots) or higher. These are the deadliest of the cyclones, and they often result in damage to property and lives.

The hurricanes that typically affect the US form in the Atlantic Ocean, Gulf of Mexico or Caribbean Sea. As a result, populations along the southern and eastern seaboards of the continental US are the most prone to hurricane damage, although there have been notable exceptions caused by hurricanes moving inland.

In most cases, you will not be buying something called hurricane insurance. What you will be buying is additional coverages or policies for windstorm damage and water or flood damage. As you might expect, the biggest issues with hurricanes are wind and flood damage. This is where you will need to review your policy carefully, and ensure that you have the correct additional coverage. You may even want to speak with a broker or insurance agent to discuss your options.

One thing to watch for is you...

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