Preparing for Hurricane Season
Large amounts of time and money are spent every year analyzing storms and weather events that peril life and property. Our certified team of Public Adjusters at messtx.com would like to share some interesting facts and information from The Insurance Information Institute at http://www.iii.org/issue-update/catastrophes-insurance-issues.
Total catastrophe losses over the 20-year period, 1993 to 2012 :
Hurricanes and tropical storms - 40.4%
Tornado losses - 36.0%
Winter storms - 7.0%
Terrorism - 6.3%
Earthquakes and other
geologic events - 4.7%
Wind/hail/flood - 3.8%
Fire - 1.7%
Civil disorders, water damage,
utility services disruption - >1.0%
The Saffir-Himpson Hurricane Wind Scale is used to determine the category of the storm along with the associated warnings:
Category 1 - Wind speeds from 74-95 mph. Will produce some damage.
Example: Hurricane Dolly 2008, South Padre Island, Texas.
Category 2 - Wind speeds from 96 - 110 mph. Will cause extensive damage.
Example: Hurricane Frances, 2004, Port S. Lucie, Florida.
Category 3 - Wind speeds from 111-129 mph. Devastating damage will occur.
Example: Hurricane Ivan, 20014, Gulf Shores, Alabama.
Category 4 - Wind speeds from 130 - 156 mph. Catastrophic damage will
Example: Hurricane Charley, 2004, Punta Gorda, Florida.
Category 5 - Wind speeds over 157 mph. Catastrophic damage will occur.
Example: Hurricane Andrew, 1992, Cutler Ridge, Florida
Source: U.S. Department of Commerce, National Oceanic and Atmospheric
Administration, National Hurricane Center.
Even the best predictions cannot outplay Mother Nature. Double-check your insurance policy for adequate coverage and take precautions to protect life and property. Always remove yourself from the path of destruction; your safety is worth more than anything you own! Our team of certified Public Adjusters stand ready to assist when disaster strikes. Contact us at 281-201-1110 or visit messtx.com.
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The team of Public Adjusters at Morgan Elite Specialist Services have over 25 years of experience in the insurance industry. All of our adjusters are licensed and bonded by the Department of Insurance and are required to take continuing education courses annually.