Guide to Insurance

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Hurricane Season The Movie

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The lazy days of summer are upon us. So pass the sweetened sun-brewed iced tea with the mini cocktail umbrella and light up a few tiki torches. But don't doze off in that hammock just yet. Along with summer comes the increased chance of severe summer weather. As hurricane season swiftly approaches, homeowners are encouraged to prepare for worst case scenarios.



Eight days shy of hurricane season, time is quickly ticking for consumers to take action against financial ruin in the event of catastrophe. With an increased amount of hurricanes anticipated this season, the National Oceanic & Atmospheric Administration urges folks to prepare for the worst. The NOAA reports that approximately 13-17 storms will be named and seven to 10 will likely become hurricanes.

So what do you need to do to prepare? Don't run to the home improvement store just yet. Plywood and duct tape won't prevent or fix damage from a hurricane. Because hurricanes bring torrential rains and cause extensive flood damage, you need to be sure you've purchased flood insurance.

"But doesn't my homeowner's insurance take care of flooding? I thought homeowner's insurance was supposed to cover things like this?"

While it seems logical that homeowner's insurance would cover flooding, it does not. With FEMA reporting flooding as America's #1 natural disaster, it makes sense to look into purchasing flood insurance.

You have several options when it comes to purchasing flood coverage. The National Flood Insurance Program offers two federal programs. The main stipulation for these programs is that your community must enroll and be an NFIP participant. This flood insurance can be purchased directly from the NFIP or from some insurance agents.

"But do I have to buy flood insurance when there is a national disaster program that will assist me?"

Because both programs provide coverage for flood damage, you don't HAVE to purchase flood insurance. Like many government programs, however, national disaster assistance requires much more paperwork and waiting than flood insurance does.

In addition, flood insurance does not have to be re-paid. Most disaster assistance comes in the form of a loan, so it has to be re-paid over a set amount of time. Disaster assistance is only guaranteed when the president puts it into effect - and even then you have to wait for reimbursement.

In short, keep in mind that FLOOD INSURANCE IS NOT INCLUDED in your homeowner's insurance policy. If you need to apply for flood insurance, start preparing ASAP. Unless you just built your house, there is a 30-day waiting period between when you apply for the insurance and the date it goes into effect. With a little more than a week before hurricane season and 30 days for your policy to take effect, don't let time slip away with the lazy days of summer unless you're insured for flood damage.

Publishing Guidelines: This article may be published with permission by sending a request to krista@hometownquotes.com.
About The Author
Hurricane Season The Movie
Hurricane season is upon us and like every other year, this is something that is absolutely critical to take seriously. If A family fails to do this the consequences can be very deadly. In the past several decades hundreds of thousands of lives in North America alone have been lost to this nightmare.

With this in mind let's go over a hurricane preparedness checklist together.

1) Are you prepared with the necessary plywood to board up the windows in your house? Although many hurricanes may not require this step unless you are facing a category three or higher hurricane. Unless of course your family lives very close to the beach. Beach front property and the areas adjacent to the beach are the most susceptible. This is due to the fact that a hurricane typically builds power until it hits landfall. Thus in a beachfront property bears the worst of a hurricane's deadly forces.

2) Do you have at least two weeks supply of canned and dry goods on hand? This is a good rule of thumb for the average family. Be sure to rotate these items and not save them just for the next hurricane disaster. Reason being all came goods and dry goods have a shelf life. Typically that shelf life is not longer than one hurricane season anyway.

3) Make a emergency evacuation checklist of all the items your family may need if you are forced to leave your home for several weeks. Again this is a good rule of thumb for a potentially disastrous hurricane.

4) Plan several possible places for your children to meet with you should you ever not be together when facing a threatening hurricane. Typically there are several public shelters in every town or city. Be sure to check ahead of time of course. Public schools colleges are libraries may be another option. Again check ahead of time. Draw a simple map to five of these alternatives on a eight by five index card. Have those index cards laminated. You can also hole punch them to put a new child's school binder.

5) Look into the possibility of natural hurricane reduction training by the father of hurricane reduction himself, Glen B. Stewart. Yes this remarkable technology is available today and is 100% safe to practice. This remarkable breakthrough in lifesaving training is called the One With The Winds workshop. Glen designed this evolutionary workshop to be both entirely duplicatable and affordable for the average family. The One With The Winds workshop is a one year online training. Glenn also made a point of making it affordable act only $97.00 a month. So instead of paying $1197.00 up front you can stretch out the payments to an affordable monthly basis. Can anyone do it? That depends on how much you believe in yourself and the abilities that you are about to learn.

Remember for some reason this remarkable gift from God was somehow wrong God would have not provided us with the divine power to do it. Amen to that.

If you know the value of this critical, life-saving information be sure to click on the links provided in my resource box below today.
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About Author
Both Krista Farmer & Glen B. Stewart are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Krista Farmer has sinced written about articles on various topics from Auto Insurance, Insurance Quotes and Homeowners Insurance. . Krista Farmer's top article generates over 12100 views. to your Favourites.

Glen B. Stewart has sinced written about articles on various topics from Work From Home, How to Sell on Ebay and Family Concerns. . Glen B. Stewart's top article generates over 22200 views. to your Favourites.
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