As we approach the tail end of Hurricane season scientists continue to gather data on the storms, and insurance companies continue to react to that data.
Here is what is clear:
Based on the Saffir-Simpson Wind Scale (SSHWS), developed by civil engineer Herbert Saffir and meteorologist Robert Simpson, wind must exceed 74 miles per hour to be classified as a hurricane. At 157 mph a storm will be classified as Category 5, where we see catastrophic damage. There is currently no Category 6 classification.
“We are now faced with slower moving storms, with more intense paths of property damage, and let’s not forget about the surge of water!”
Statistics will show that the frequency of hurricanes has not increased. But the temperature of surface water in the ocean, likely driven by global warming, has caused storms to slow down as they travel, allowing their intensity to grow. So while there are not more storms, the storms that do form are growing to greater intensity, and causing more destruction in their path.
We are now faced with slower moving storms, with more intense paths of property damage, and let’s not forget about the surge of water! With nearly 40% of the population living within 200 miles of a shoreline, this storm evolution is worrisome.
You cannot control the weather, so how do you respond?
Keep trees adjacent to the house well trimmed
Gutters clean, down spouts clear of the foundation
Consider a generator
Forget submitting small claims, prepare for the big one
Add a leak detection component to your alarm
Pick the right insurance company
If you need help sorting out the future of your insurance, give Kyle at Shepard Insurance a call at 203-637-6655 or email firstname.lastname@example.org
Kyle’s extensive sales and account management expertise transcends both Commercial and Personal Lines. Coupling that with his finance and life insurance licenses, Kyle serves as full service insurance agent for all of his valued clients. The goal for Kyle is to provide tailored risk management to address his client’s current and future exposures, and to optimize wealth preservation.