Florida Insurance Industry: Now Ready to Face Hurricane Season

Florida Insurance Industry: Now Ready to Face Hurricane Season

This year’s Atlantic hurricane season has opened. With that, a mixture of estimates for less-than-the-average storms, including the highest financial resources level to pay claims may assist businessmen and homeowners to take out their worries.

Florida, the most dangerous state in the US for hurricane hits, experienced 9 years without hurricanes. This allowed Florida insurance companies to establish more record capital reserves. However, that good fate may end any time this year, based on the condition of the Mother Nature.

Florida can sleep easier at night, according to Robert Hartwig, Insurance Information Institute President. At last, the insurance industry is financially rock solid.

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Beach Season everywhere else…But here in Florida it’s Hurricane Season!

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Beach Season everywhere else...But here in Florida it's Hurricane Season!

Beach Season everywhere else…But here in Florida it’s Hurricane Season!

Tropical Storm and Hurricane Tips

Be heard…Email comments, Questions, or suggestions to us at Support@dmginsurance.net

Citizens Property Insurance Corporation recently posted some helpful information about the “What to do’s” for hurricane season in Florida. Check it out!

When there are tropical storm and hurricane warnings you should……

  • Check your family’s emergency supply kit– make certain you have food, water, medications, and other necessities to sustain you, your family and family pets for at least 72 hours.
  • Follow the direction of local officials – any evacuation orders come from local officials, so follow their guidance. When it comes to swimming, follow local warnings as well. Even the best swimmers can fall victim to the strong waves and rip currents caused by storms.
  • Keep up to date with local conditions – follow TV and radio reports from your area, or visit www.weather.gov (http://mobile.weather.gov on your phone) for      the latest forecast.
  • Remember food safety – power outages and flooding may happen as a result of a tropical storm or hurricane, so have a plan for keeping food safe. Have a cooler on hand to keep food cold, and group food together in the freezer so it stays cold longer.
  • Have an adequate communication plan – be sure friends and family know how to contact you. Teach family members how to use text messaging as text      messages can often get around network disruptions when a phone call might      not able to get through.

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Prepping for Irene – Important FloodSmart Tips

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HURRICANE-PREParedness

Hurricane Preparation Information
With Irene threatening a large portion of the coastal United States, people will be looking to you as trusted authorities on what to do before, during, and after the storm. The National Flood Insurance Program (NFIP) has developed a number of resources that can help you communicate with residents about preparing for and recovering from a hurricane.

• During a Flood: Tips to stay safe during a flood.
• After the Flood: Helpful information for residents as they return home.
• Understanding Your Flood Insurance: Talking points to help you explain what flood insurance is, as well as what is and is not covered by a flood insurance policy.
• Filing Your Flood Insurance Claim: A checklist for policyholders as they navigate the claims process.
• NFIP Summary of Coverage: An explanation to help policyholders understand their flood insurance policy.
• NFIP Flood Insurance Claims Handbook: A step-by-step guide to filing a claim.
• FloodSmart.gov Hurricane Widget: A widget you can post on your Website with an interactive quiz allowing residents to test their hurricane knowledge.
• Cost of Flooding Tool: A shareable digital resource that helps the public understand the likely costs of flooding.

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Tropical Storm Targets South Florida

 

System aiming at South Florida becomes Tropical Depression 16; could be Tropical Storm Nicole in hours

by Eliot Kleinberg

The system on a collision course with Florida, arriving as early as this afternoon, became Tropical Depression 16 at 11 a.m. today. At 2 p.m., top sustained winds were near 35 mph, just below tropical storm strength, and the system is expected to become Tropical Storm Nicole later  this afternoon. But the official forecast calls for a 60 percent chance that Palm Beach County never will see tropical storm force winds. And the National Weather Service’s Miami office says there’s a “very low” chance. It says top sustained winds in Palm Beach County will be in the 25 mph to 35 mph range, with gusts up to 45 mph, although it said stronger winds still are possible depending on the system’s path. 

mflwindthreat_smA tropical storm warning is in place from Jupiter Inlet south to the Keys and a tropical storm watch north to Sebastian Inlet as well as for southwest Florida.

Also, a flood watch is set to be posted at 4 p.m. today and run through 2 p.m. Wednesday for Palm Beach County and points south. While heavy rains should start tonight, it’s most likely tropical storm force winds won’t affect Palm Beach County until Wednesday, if ever, the National Weather Service’s Robert Molleda said this morning. As much as 8 inches of rain could fall on South Florida, with the heaviest rains expected south and southeast of Lake Okeechobee, according to water managers at the South Florida Water Management District. They said Broward and Miami-Dade counties likely will see more rain than Palm Beach County. 

The heaviest rains are expected late this afternoon and tonight and then overnight, with a good chance they’ll make Wednesday morning’s commute an unpleasant one. The center of the system was expected to near southeastern Florida by Wednesday afternoon and east of Boynton Beach around 8 p.m. Wednesday. The system should be gone by Thursday morning. National Weather Service forecaster Brad Diehl said. At  2 p.m., the depression’s center was about 370 miles south-southwest of Miami. It was moving north-northeast at 10 mph. 

There's less than a 40 percent chance of tropical storm force winds for PB County There’s a 40 percent chance of tropical storm force winds for PB County 

145212w_sm1With the strongest winds east and south of the system’s center, if it stays right at or near the coast, tropical storm force winds would stay off shore, Molleda – warning coordination meteorologist at the weather service’s Miami office – said this morning. “Since it’s such a disproportionate distribution of wind and rain, if the system tracks offshore, even if it’s by a few miles, that’s the different between getting tropical storm force winds and not getting any at all,” he said. If the storm stays off shore, that also could reduce the projected deluge, Molleda said. But with the storm so close, and its status changing nearly hourly, “we’re walking a big of a tightrope,” he said. 

Assistant Palm Beach County administrator Vince Bonvento said the county does not expect to go into full storm mode but is watching the storm’s progress. He said the county’s final budget meeting still is set to go on at 6 p.m. Palm Beach Schools officials said at midday they’ll decide later today whether the storm will affect schools on Wednesday. The system is forecast to dissolve into a front on Thursday. Post staff writers Christine Stapleton and Jennifer Sorentrue  contributed to this report. 

Four to six inches of rain could fall on Palm Beach County

by Eliot Kleinberg

Four to six inches of rain, perhaps more in spots, could fall across Palm Beach County and the Treasure Coast from Tuesday afternoon to late Wednesday as a result of a weather system now in the Caribbean, the National Weather Service said today.

The atmosphere is loaded with water at historic levels, and rain bands could drop 2 to 4 inches over an area in as many hours, meteorologist Dan Gregoria said today from the weather service’s Miami office.

The heaviest rain will be from Tuesday night through Wednesday afternoon.

A flood watch might be issued early Wednesday for coastal urban areas.

Rainfall could be a little less pronounced along the Treasure Coast, but the threat also extends inland over Lake Okeechobee and west to the Gulf of Mexico, Gregoria said.

“We are concerned about heavy rain in a short time,” he said.

And it might not be the end. One to two more waves of saturated atmosphere might move through later in the week.

Thunder and lightning will be isolated, there’s a minimal tornado threat, and whether strong winds accompany the deluge will depend on whether the system develops tropical characteristics before moving over the peninsula, Gregoria said.

The National Hurricane Center’s 2 p.m. tropical weather outlook upped to 40 percent the chance the storm will do just that, and become a tropical depression or Tropical Storm Nicole, by Wednesday afternoon.

A National Science Foundation jet that flew into the system found it did not yet have a well-defined center of circulation, but conditions are favorable for more development, the outlook said.

The outlook mentioned two other systems way out in the Atlantic, but chances were low either will develop into anything in the next 48 hours.

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This entry was posted on Monday, September 27th, 2010 at 2:12 pm and is filed under 2010 season storms, Developing storms, Nicole, Season forecasts, South Florida weather. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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The Saffir-Simpson Hurricane Wind Scale

The Saffir-Simpson Team (Timothy Schott, Chris Landsea, Gene Hafele, Jeffrey Lorens, Arthur Taylor, Harvey Thurm, Bill Ward, Mark Willis, and Walt Zaleski)

The Saffir-Simpson Hurricane Wind Scale is a 1 to 5 categorization based on the hurricane’s intensity at the indicated time. The scale – originally developed by wind engineer Herb Saffir and meteorologist Bob Simpson – has been an excellent tool for alerting the public about the possible impacts of various intensity hurricanes

 

1. The scale provides examples of the type of damage and impacts in the United States associated with winds of the indicated intensity. In general, damage rises by about a factor of four for every category increase2. The maximum sustained surface wind speed (peak 1-minute wind at the standard meteorological observation height of 10 m [33 ft] over unobstructed exposure) associated with the cyclone is the determining factor in the scale. (Note that sustained winds can be stronger in hilly or mountainous terrain – such as the over the Appalachians or over much of Puerto Rico – compared with that experienced over flat terrain3.) The historical examples provided in each of the categories correspond with the observed or estimated maximum wind speeds from the hurricane experienced at the location indicated. These do not necessarily correspond with the peak intensity reached by the system during its lifetime. It is also important to note that peak 1-minute winds in hurricane are believed to diminish by one category within a short distance, perhaps a kilometer [~ half a mile] of the coastline4The scale does not address the potential for other hurricane-related impacts, such as storm surge, rainfall-induced floods, and tornadoes. It should also be noted that these wind-caused damage general descriptions are to some degree dependent upon the local building codes in effect and how well and how long they have been enforced. For example, building codes enacted during the 2000s in Florida, North Carolina and South Carolina are likely to reduce the damage to newer structures from that described below. However, for a long time to come, the majority of the building stock in existence on the coast will not have been built to higher code. Hurricane wind damage is also very dependent upon other factors, such as duration of high winds, change of wind direction, and age of structures. . For example, Hurricane Wilma made landfall in 2005 in southwest Florida as a Category 3 hurricane. Even though this hurricane only took four hours to traverse the peninsula, the winds experienced by most Miami-Dade, Broward, and Palm Beach County communities were Category 1 to Category 2 conditions. However, exceptions to this generalization are certainly possible.

Earlier versions of this scale – known as the Saffir-Simpson Hurricane Scale – incorporated central pressure and storm surge as components of the categories. The central pressure was used during the 1970s and 1980s as a proxy for the winds as accurate wind speed intensity measurements from aircraft reconnaissance were not routinely available for hurricanes until 1990

5. Storm surge was also quantified by category in the earliest published versions of the scale dating back to 197261

H. S. Saffir, 1973 in The Military Engineer; and R. H. Simpson, 1974 in Weatherwise . However, hurricane size (extent of hurricane-force winds), local2

R. A. Pielke, Jr. and colleagues, 2008 in Natural Hazard Review.3

C. A. Miller, and A. G. Davenport, 1998 in Journal of Wind Engineering and Industrial Aerodynamics.4

P. J. Vickery and colleagues, 2009 in Journal of Applied Meteorology and Climatology.5

R. C. Sheets, 1990 in Weather and Forecasting.6

National Hurricane Operations Plan, 1972.bathymetry (depth of near-shore waters), topography, the hurricane’s forward speed and angle to the coast also affect the surge that is produced

7,8

. For example, the very large Hurricane Ike (with hurricane force winds extending as much as 125 mi from the center) in 2008 made landfall in Texas as a Category 2 hurricane and had peak storm surge values of about 20 ft. In contrast, tiny Hurricane Charley (with hurricane force winds extending at most 25 mi from the center) struck Florida in 2004 as a Category 4 hurricane and produced a peak storm surge of only about 7 ft. These storm surge values were substantially outside of the ranges suggested in the original scale. Thus to help reduce public confusion about the impacts associated with the various hurricane categories as well as to provide a more scientifically defensible scale, the storm surge ranges, flooding impact and central pressure statements are being removed from the scale and only peak winds are employed in this revised version – the Saffir-Simpson Hurricane Wind Scale. (The impact statements below were derived from recommendations graciously provided by experts [Bruce Harper, Forrest Masters, Mark Powell, Tim Marshall, Tim Reinhold, and Peter Vickery] in hurricane boundary layer winds and hurricane wind engineering fields9,10.)Category One Hurricane (

Sustained winds 74-95 mph, 64-82 kt, or 119-153 km/hr). Very dangerous winds will produce some damagePeople, livestock, and pets struck by flying or falling debris could be injured or killed. Older (mainly pre-1994 construction) mobile homes could be destroyed, especially if they are not anchored properly as they tend to shift or roll off their foundations. Newer mobile homes that are anchored properly can sustain damage involving the removal of shingle or metal roof coverings, and loss of vinyl siding, as well as damage to carports, sunrooms, or lanais. Some poorly constructed frame homes can experience major damage, involving loss of the roof covering and damage to gable ends as well as the removal of porch coverings and awnings. Unprotected windows may break if struck by flying debris. Masonry chimneys can be toppled. Well-constructed frame homes could have damage to roof shingles, vinyl siding, soffit panels, and gutters. Failure of aluminum, screened-in, swimming pool enclosures can occur. Some apartment building and shopping center roof coverings could be partially removed. Industrial buildings can lose roofing and siding especially from windward corners, rakes, and eaves. Failures to overhead doors and unprotected windows will be common. Windows in high-rise buildings can be broken by flying debris. Falling and broken glass will pose a significant danger even after the storm. There will be occasional damage to commercial signage, fences, and canopies. Large branches of trees will snap and shallow rooted trees can be toppled. Extensive damage to power lines and poles will likely result in power outages that could last a few to several days. Hurricane Dolly (2008) is an example of a hurricane that brought Category 1 winds and impacts to South Padre Island, Texas.

Category Two Hurricane (

Sustained winds 96-110 mph, 83-95 kt, or 154-177 km/hr). Extremely dangerous winds will cause extensive damage7

Jelesnianski, C. P., 1972 in NOAA Technical Memorandum NWS 46.8

J. L. Irish, D. T. Resio, and J. J. Ratcliff, 2008 in Journal of Physical Oceanography.9

F. Masters, P. Vickery, B. Harper, M. Powell, and T. Reinhold, 2009 in Engineering Guidance Regarding Wind-Caused Damage Descriptors.10

T. Marshall, 2009 in On the Performance of Buildings in Hurricanes – A Study for the Saffir-Simpson Scale Committee.There is a substantial risk of injury or death to people, livestock, and pets due to flying and falling debris. Older (mainly pre-1994 construction) mobile homes have a very high chance of being destroyed and the flying debris generated can shred nearby mobile homes. Newer mobile homes can also be destroyed. Poorly constructed frame homes have a high chance of having their roof structures removed especially if they are not anchored properly. Unprotected windows will have a high probability of being broken by flying debris. Well-constructed frame homes could sustain major roof and siding damage. Failure of aluminum, screened-in, swimming pool enclosures will be common. There will be a substantial percentage of roof and siding damage to apartment buildings and industrial buildings. Unreinforced masonry walls can collapse. Windows in high-rise buildings can be broken by flying debris. Falling and broken glass will pose a significant danger even after the storm. Commercial signage, fences, and canopies will be damaged and often destroyed. Many shallowly rooted trees will be snapped or uprooted and block numerous roads. Near-total power loss is expected with outages that could last from several days to weeks. Potable water could become scarce as filtration systems begin to fail. Hurricane Frances (2004) is an example of a hurricane that brought Category 2 winds and impacts to coastal portions of Port St. Lucie, Florida with Category 1 conditions experienced elsewhere in the city.

Category Three Hurricane

(Sustained winds 111-130 mph, 96-113 kt, or 178-209 km/hr).Devastating damage will occur

There is a high risk of injury or death to people, livestock, and pets due to flying and falling debris. Nearly all older (pre-1994) mobile homes will be destroyed. Most newer mobile homes will sustain severe damage with potential for complete roof failure and wall collapse. Poorly constructed frame homes can be destroyed by the removal of the roof and exterior walls. Unprotected windows will be broken by flying debris. Well-built frame homes can experience major damage involving the removal of roof decking and gable ends. There will be a high percentage of roof covering and siding damage to apartment buildings and industrial buildings. Isolated structural damage to wood or steel framing can occur. Complete failure of older metal buildings is possible, and older unreinforced masonry buildings can collapse. Numerous windows will be blown out of high-rise buildings resulting in falling glass, which will pose a threat for days to weeks after the storm. Most commercial signage, fences, and canopies will be destroyed. Many trees will be snapped or uprooted, blocking numerous roads. Electricity and water will be unavailable for several days to a few weeks after the storm passes. Hurricane Ivan (2004) is an example of a hurricane that brought Category 3 winds and impacts to coastal portions of Gulf Shores, Alabama with Category 2 conditions experienced elsewhere in this city.

Category Four Hurricane

(Sustained winds 131-155 mph, 114-135 kt, or 210-249 km/hr).Catastrophic damage will occur

There is a very high risk of injury or death to people, livestock, and pets due to flying and falling debris. Nearly all older (pre-1994) mobile homes will be destroyed. A high percentage of newer mobile homes also will be destroyed. Poorly constructed homes can

sustain complete collapse of all walls as well as the loss of the roof structure. Well-built homes also can sustain severe damage with loss of most of the roof structure and/or some exterior walls. Extensive damage to roof coverings, windows, and doors will occur. Large amounts of windborne debris will be lofted into the air. Windborne debris damage will break most unprotected windows and penetrate some protected windows. There will be a high percentage of structural damage to the top floors of apartment buildings. Steel frames in older industrial buildings can collapse. There will be a high percentage of collapse to older unreinforced masonry buildings. Most windows will be blown out of high-rise buildings resulting in falling glass, which will pose a threat for days to weeks after the storm. Nearly all commercial signage, fences, and canopies will be destroyed. Most trees will be snapped or uprooted and power poles downed. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Long-term water shortages will increase human suffering. Most of the area will be uninhabitable for weeks or months. Hurricane Charley (2004) is an example of a hurricane that brought Category 4 winds and impacts to coastal portions of Punta Gorda, Florida with Category 3 conditions experienced elsewhere in the city.

Category Five Hurricane (

Sustained winds greater than 155 mph, greater than 135 kt, or greater than 249 km/hr).Catastrophic damage will occur

People, livestock, and pets are at very high risk of injury or death from flying or falling debris, even if indoors in mobile homes or framed homes. Almost complete destruction of all mobile homes will occur, regardless of age or construction. A high percentage of frame homes will be destroyed, with total roof failure and wall collapse. Extensive damage to roof covers, windows, and doors will occur. Large amounts of windborne debris will be lofted into the air. Windborne debris damage will occur to nearly all unprotected windows and many protected windows. Significant damage to wood roof commercial buildings will occur due to loss of roof sheathing. Complete collapse of many older metal buildings can occur. Most unreinforced masonry walls will fail which can lead to the collapse of the buildings. A high percentage of industrial buildings and low-rise apartment buildings will be destroyed. Nearly all windows will be blown out of high-rise buildings resulting in falling glass, which will pose a threat for days to weeks after the storm. Nearly all commercial signage, fences, and canopies will be destroyed. Nearly all trees will be snapped or uprooted and power poles downed. Fallen trees and power poles will isolate residential areas. Power outages will last for weeks to possibly months. Long-term water shortages will increase human suffering. Most of the area will be uninhabitable for weeks or months. Hurricane Andrew (1992) is an example of a hurricane that brought Category 5 winds and impacts to coastal portions of Cutler Ridge, Florida with Category 4 conditions experienced elsewhere in south Miami-Dade County.

Homeowners Beware – Hurricane Season Forcasted to be Busy

Atlantic Hurricane Season Predicted to be Busy!

Hurricane

Homeowners Beware

The Atlantic Hurricane Season is Forcasted to be Busy

National Oceanic and Atmosphere Administration predicted a very active hurricane season today, releasing its official Atlantic basin hurricane season outlook.

The NOAA forecasts 14 to 23 named storms (hurricanes and tropical storms), including eight to 14 hurricanes and three to seven major hurricanes (Category 3 or higher).

The forecast , made in collaboration with the National Hurricane Center, came as no surprise given the current meteorological conditions and earlier projections by nongovernment forecasters.

The reasons for the projected active season include:

  • The long, ongoing Atlantic hurricane cycle, which has been active for 25 years.
  • Exceptionally warm sea surface temperatures in the main development region.
  • The possible development of La Nina in the tropical Pacific.

The NOAA believes that the number of storms could be comparable to the most active hurricane season since 1995, when the current cycle began.

Those years include the devastating and record-breaking 2005 season, as well as the very active 2008 and 1995 seasons. 2005 had 28 named storms, 15 hurricanes and seven major hurricanes, including hurricanes Katrina and Wilma. The 2008 season had 16 named storms, eight hurricanes and five major hurricanes, including Hurricane Ike. The 1995 season had 19 named storms.

The multidecade signal mentioned by the NOAA is associated with overall conditions that are conducive to increased Atlantic hurricane activity. These conditions are believed to last for decades at a time, increasing the overall number of hurricanes.

Various year-to-year factors can add to — or counteract — the larger signal. This year, the exceptionally warm conditions in the main breeding grounds for storms and the possible change from an El Nino to a La Nina in the tropical Pacific are expected to add to the already heightened conditions associated with the long-term cycle.

This is why the NOAA is 85 percent certain that the season will be more active than normal, with normal season defined as one with a mean of 9.4 named storms (and a range of six to 14). Last year, cooler-than-normal water temperatures in the main tropical breeding grounds and the development of a Pacific El Nino are believed to have counteracted the larger signal, and the result was a near-normal season.

The NOAA points out the uncertainty related to the forecast, which includes nonprecise forecasts related to the possible development of a La Nina. While a La Nina occurs in the Pacific (cooling of Pacific tropical waters), an Atlantic hurricane season with a La Nina tends to be more active. The NOAA also notes that a wide range of seasons can occur with the same general large-scale factors.

However, NOAA gives only a 5 percent chance that the season will be less active than normal.

From http://www.aolnews.com/team/paul-yeager

Homeowners – Hurricane Season is Approaching, Are You Ready?

Hurricane

Homeowners – Hurricane Season is Approaching, Are You Ready?

 

 

History teaches that a lack of hurricane awareness and preparation are common threads among all major hurricane disasters. By knowing your vulnerability and what actions you should take, you can reduce the effects of a hurricane disaster. The Tax Collector, serving Palm Beach County, has wallet-sized Hurricane Preparedness guides to assist you in organizing your family Hurricane Plan.

We all hope that South Florida will again be spared. However, we still need to be prepared in case a major storm strikes. The Atlantic hurricane season is June 1 to November 30.  National Hurricane Preparedness Week will be held May 23 -29 this year.

As we have learned, it takes time for relief efforts to get underway and we each need to be prepared with several days of water, food, clothing, medicine and other supplies. By following this simple planning tool, you will have, in a convenient form, the information you need – key phone numbers, tips for preparing for a storm and what you need to stock. Use this tool to organize your home, your family and determine if you will need to evacuate and access a shelter. The list included in the Hurricane Preparedness Wallet Card can serve as a broad guide in selecting the appropriate items for your family.  The guide is available at all Palm Beach County Tax Collector’s Office locations. Please pick one up during your next visit with us. The better organized you are, the safer you and your family will be.

From the Palm Beach County Tax Collector’s Newsletter – May 2010