Virginian advised to insure against second half of hurricane season | New


RICHMOND – Summer may be almost over, but destructive storms could affect Virginia during the holidays.

The 2021 Atlantic hurricane season continues through November 30, and a mid-season update from the National Oceanic and Atmospheric Administration has indicated that the remainder of the season could be hectic.

NOAA’s August 4 update predicted that 15 to 21 named storms could form through the end of November, and seven to 10 of them could become hurricanes. Of the potential hurricanes, three to five are expected to become major storms.

With parts of the eastern United States still reeling from Hurricane Ida, Virginians are reminded to stay vigilant.

In addition to protecting their families and residences from the threats of severe weather, homeowners and renters are also encouraged to obtain flood coverage on their insurance policies.

The Virginia Department of Conservation and Recreation urges everyone to understand their flood risk and take action now to protect themselves, their families and property from flood damage, and to purchase insurance. against flooding now, “said Wendy Howard-Cooper, director of dam safety. and floodplain management programs for DCR.

Without flood insurance, the cost of repairing water damage can be crippling. Flooding can cause structural and property damage, and according to the Federal Emergency Management Agency, 1 inch of water can cause more than $ 25,000 in damage to the home.

FEMA data also indicated that more than 20% of all flood claims are filed by people who live outside high-risk flood areas, making flood insurance a wise investment for all. owners and tenants.

“The biggest problem we have with flood insurance is that a lot of people think flood damage is covered by their home insurance policies, but that’s not the case,” said Ted Joyce, vice president of insurance agency services for Virginia Farm Bureau Mutual Insurance Co.

“And, another reason some people don’t buy flood insurance is they think it’s complicated and can be a problem, but it’s really as easy as getting home insurance,” he continued. “If you don’t have coverage and there is a flood, you will lose a lot of money fixing the damage yourself.

With a flood insurance policy, the insured’s home and personal property are covered in the event of a loss. Joyce also noted that flood insurance policies are generally inexpensive.

To further calculate their flood risk, Virginians can use the Virginia Flood Risk Information System to see if their property is located in the Virginia Special Flood Risk Zone. SFHAs are mapped flood risk areas that would be inundated by a 100-year flood.

Additional resources and information can be found on the Virginia Farm Bureau’s Hurricane Preparedness Center web page.

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