Hurricane season starts June 1 and runs until November 30. There are quiet seasons and busy seasons, but one thing is a given – when a strong storm hits land, there's sure to be damage and insurance claims. Storms often cause flooding, damage buildings and vehicles, knock out power, affect transportation, and cause other problems.
Without electricity, there is no air conditioning in residences, businesses, and essential services such as hospitals and emergency shelters. Gas pumps need electricity in order to pump fuel, leaving no way to refill the tanks of vehicles or generators. A lack of power to appliances leads to food spoilage and equipment damages. Cell phones will lose power, and people won't be able to recharge them. Water treatment plants will be affected as well. This leaves people without air conditioning, water, transportation, and communication.
It's not unusual for the local civil authorities to issue evacuation orders before a storm and restrict access to damaged property after a storm. There are a number of coverage issues that can be expected that are related to evacuations and restricted access on both personal and commercial policies.
This premium content is locked for FC&S Coverage Interpretation Subscribers
Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.
- Quality content from industry experts with over 60 years insurance experience, combined
- Customizable alerts of changes in relevant policies and trends
- Search and navigate Q&As to find answers to your specific questions
- Filter by article, discussion, analysis and more to find the exact information you’re looking for
- Continually updated to bring you the latest reports, trending topics, and coverage analysis
Already have an account? Sign In Now
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected]Christine G. Barlow, CPCU
Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.