Does Your Outdoor Adventure Insurance Plan Protect Your Property From Hurricane Risks?

The 2016 Atlantic hurricane season runs from June 1 to November 30, covering areas including the North Atlantic Ocean, Gulf of Mexico and the Caribbean Sea.  Is your outdoor recreation insurance up to date and sufficient enough to cover any damages?

Now is the time to call your insurance agent and ask for an insurance check-up to make sure you have enough insurance to repair or even replace your property and equipment in the event of a damaging hurricane. Whether you’re a commercial property owner or renter, you’ll need a separate policy for flooding, available through your outdoor insurance company.  Don’t forget that there may be damage to your car, truck or boat. In addition, you could experience loss of business as a result of damages.  However, a thorough outdoor adventure  insurance plan can also protect your business from this risk.

According to the National Hurricane Center, the biggest risks associated with hurricanes are:

Storm Surge and Storm Tide

The destructive power of storm surge and large battering waves can result in loss of life, buildings destroyed, beach and dune erosion and road and bridge damage along the coast. Storm surge can travel several miles inland. In estuaries and bayous, salt water intrusion endangers public health and the environment.

Heavy Rainfall and Inland Flooding

Tropical cyclones can produce torrential rains in excess of 6 inches, which can result in deadly and destructive floods and even flash flooding.

High Winds

Hurricane‐force winds, 74 mph or more, can destroy buildings and mobile homes. Debris, such as signs, roofing material, siding and small items left outside become flying missiles during hurricanes. Winds can stay above hurricane strength well inland

Rip Currents

The strong winds of a tropical cyclone can cause dangerous waves that pose a significant hazard to mariners and coastal residents. When the waves break along the coast, they can produce deadly rip currents – even at large distances from the storm.

Tornadoes

Hurricanes and tropical storms can also produce tornadoes. These tornadoes most often occur in thunderstorms embedded in rain bands well away from the center of the hurricane; however, they can also occur near the eyewall. Usually, tornadoes produced by tropical cyclones are relatively weak and short-lived, but they still pose a significant threat.

Be Ready

During hurricane season, be sure to keep insurance papers safe and readily accessible in the event of storm damage and take pictures to document damages.  Your insurance agent will immediately assist you in filing any claims and help you get your business back up and running as soon as possible.  Outdoor Insurance Group offers tailored outdoor recreation insurance and outdoor recreation insurance solutions to cover hurricanes, and any associated risks.  Call today.