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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
 
Bussey Insurance Service
(641) 944-5313
404 Merrill Street
Bussey, IA
 
Daryl Braun Insurance
(319) 377-5797
601 7th Avenue
Marion, IA
 
Miller Harrison And Becky Ins
(563) 263-6044
100 W 2nd St
Muscatine, IA
 
Leschensky Insurance
(563) 568-6347
19 Allamakee Street
Waukon, IA
 
Allstate Insurancemarci Baldwin
(515) 232-0771
516 Lincoln Way #b
Ames, IA
 
Gregg Aistrope Agency Inc
(712) 527-3189
105 South Locust Street
Glenwood, IA
 
Elgersma Agency
(712) 729-3691
313 Main Street
Sanborn, IA
 
The A C Root Agency Inc
(563) 242-2454
1127 North 2nd Street Suite A
Clinton, IA
 
Allstate Insurance David Redlinger
(319) 472-9999
315 A Ave
Vinton, IA
 

Is Hurricane Insurance Available to You?

Provided By: 

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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