The official Atlantic hurricane season runs from June 1 to November 30 each year, and like last year, 2021 is predicted to have an above average number of named storms and hurricanes and is currently on track with that prediction.
According to the Maine Emergency Management Agency (MEMA) website, while hurricane force winds have periodically devastated areas in Maine, tropical storms and hurricanes typically reach Maine in the 'post hurricane stage,' producing winds less than 74 mph. These storms typically result in inland flooding, as well as storm surges and rip tides that threaten coastal areas. MEMA also notes that some of the greatest rainfall amounts occur from weaker storms that drift slowly or stall over an area.
MEMA provides tips on severe weather preparedness to help mitigate loss of property and life, as does the Federal Emergency Management Agency (FEMA) at www.ready.gov. To aid in recovery from weather related damage, whether it be flood, wind, hail, lightening, or damage from a fallen tree -- to either an automobile, boat, home or business - the Bureau of Insurance strongly recommends that Mainers review their insurance coverage with their agent or company annually.
- Insurance is needed to rebuild structures and to repair or replace automobiles and to fully recover. Many people are under the false impression that FEMA will cover their losses after a federal emergency is declared, but FEMA support is targeted toward immediate needs that provide shelter, safety and support to individuals, families and communities.
- Include flood insurance in your regular review of coverage. FEMA reports that in recent years hurricanes have caused above average flooding, with more than 40% of flood claims submitted from outside of high-risk flood areas. Details about flood insurance are available from the National Flood Insurance Program (NFIP) by calling 1-800-427-4661 or online at www.floodsmart.gov. You can purchase a flood insurance policy at any time, but there is usually a 30-day waiting period for coverage to take effect.
- Be aware of the coverage provisions in your policy; for example, some policies provide a separate, higher deductible for damage caused by hurricanes.
- Create a home inventory before you are in the position of needing to make a claim. This will speed up the claims process if you have a loss and will help to ensure that you are correctly reimbursed by your insurer. Use one of the home inventory tools on the Bureaus website.
Consumers with questions about insurance matters can obtain information and assistance from the Maine Bureau of Insurance by visiting www.maine.gov/insurance, calling 800-300-5000 (TTY 711), or e-mailing Insurance.PFR@maine.gov.
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