Amid the risk of life-threatening storm surges due to Hurricane Debby, the Insurance Information Institute (Triple-I) has shared several preparedness tips that insurance brokers can pass on to their clients.
Those in Debby’s path are advised to have a clear evacuation plan and hurricane kits that are stocked with at least a 14-day supply of non-perishable food and one gallon of drinking water per person per day for all family members and pets, along with a two-week supply of medications.
It’s also essential to write down and keep handy the contact information of insurers and insurance contacts. Purchasing emergency supplies, such as batteries and flashlights, is recommended, while mobile phones should be fully charged to receive weather alerts.
At the same time, homeowners must secure their yards by removing outdoor furniture, lawn items, and other materials that could become airborne in high winds. Vehicle fuel tanks should be kept full.
The Triple-I added that wind damage to properties is covered by standard homeowners, renters, and business insurance policies, with renters’ insurance covering personal belongings while landlords insure the buildings.
Flood-related property damage, meanwhile, is generally covered by the FEMA National Flood Insurance Program or private flood insurance policies if purchased.
Wind or flood damage to vehicles is covered by the optional comprehensive portion of auto insurance policies, which about 80% of US drivers have opted for.
Debby is the fourth named storm of the 2024 Atlantic hurricane season and the second to make landfall this year, following Hurricane Beryl which struck Texas as a Category 1 hurricane on July 8.
In anticipation of Debby’s arrival, Florida Governor Ron DeSantis declared a state of emergency for 54 of Florida’s 67 counties on August 1. Debby is expected to impact Georgia, the Carolinas, and Virginia through midweek after affecting Florida.
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