Here Comes Hurricane Earl

No, I’m not talking about your drunk uncle Earl.  I’m talking about the swirling 135 mph wind storm heading up the East Coast that weather-people have personified as Earl.

If you don’t already have Flood insurance its too late to buy it now.  So the only real advice I can give those that live near water and are going to be directly effected by Hurricane Earl is batten down the hatches and protect yourself as best you can.

Your homeowners insurance policy excludes Flood and does not carry Water-Backup as a standard coverage.  Flood policies are completely separate from Homeowners and regulated by the Federal Government.  Water-Backup coverage must be endorsed to the homeowners policy.  If you don’t have the Water-backup endorsement call you agent right now.

Knowing The Difference

In very simple terms think:

Water from above – Covered Special Form Homeowners

Water from below through pipes and drains – Water-Backup Endorsement

Water over foundation – Flood Insurance

Be Safe

Be prepared and be safe when it comes to handling this storm.  Its not going to be anything like Katrina (thank goodness) but Earl is still going to cause damage.  Hurricane Earl has already caused between $50 and $150 million in damage to the Caribbean.

Here is the link to the Hurricane Earl Storm Tracker on Weather.com.

Keep Your Head Up

Disclaimer:

This article is for informational purposely only. There is no legal advice being suggested or proffered and the author assumes no responsibility or liability for the actions take or not taken by the readers based upon such information.

Thank you,

Ryan H.

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