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Is Your Insurance Policy Ready For Storms As Home Values Rise?

Hurricane Irma damage

As the six-month hurricane season officially begins June 1, the Florida Division of Emergency Management will have surpassed 450 days responding to the COVID-19 pandemic.

“They would love to get back to doing tropical cyclones and wildfires and things like that, because we have been doing COVID a very long time, and we're ready to be doing something else,” Director Kevin Guthrie said.

Guthrie, who spent 23 years as a police officer and emergency-preparedness coordinator with the Jacksonville Sheriffs’ Office, took over as the state’s director on May 3, replacing Jared Moskowitz, who announced he was stepping down to spend more time with his family in South Florida.  

Guthrie has also served as public safety and emergency management director for Flagler County.

The hurricane season is projected to be above average for storms and got off to an early start as Tropical Storm Ana has already formed and dissipated.

The National Oceanic and Atmospheric Administration last week predicted a 60 percent chance of 13 to 20 named storms (winds of 39 mph or higher), with six to 10 reaching hurricane strength (winds of 74 mph or higher) and three to five considered major hurricanes (winds of 111 mph or higher).

The federal agency’s scientists based their projections on continued warmer-than-average sea surface temperatures in the tropical Atlantic Ocean and Caribbean Sea, among other factors.

“Maybe in the next couple of years we'll see that switch, and we'll start to see a general decreasing trend,” National Weather Service meteorologist Mark Wool said. “But you know, the wildcard here is global warming, and we don't quite know how that's going to influence that just yet.

To get ready for this season, Guthrie wants people to review their residential insurance policies because property values and costs of building materials have been on the rise, while Federal Emergency Management Agency assistance tops out at $36,000.

“Lumber has gone up,” Guthrie said. “If you were impacted by a storm this year, the price to rebuild your home is going to be more than what it was a year ago. So, what we're telling people to do is go out and get in touch with your insurance agent. Make sure you have enough coverage to rebuild your home because your first line of defense is your insurance policy.”

And to potentially reduce crowding at shelters, residents are also being asked to know how their homes are built to withstand winds and flooding as they make evacuation decisions. 

“If we have a Cat 1 storm, that means winds are 75 to about 90 miles an hour, do I need to leave my home?" Guthrie said. "Because most homes now — underneath the Florida Building Code — are actually rated to 100 (mph), 115 (mph) and so on. So again, do I really need to leave my home for winds versus do I need to leave my home for a potential storm surge.”

On Monday, President Joe Biden announced that $1 billion is being made available to states, territories, tribes and rural communities for what he said is typically the busiest time of the year for disasters in America: hurricane season in the South and East and fire season out West.

“Last year, as you all know, we faced the most named storms on record,” Biden said. “Seven out of the 30 named storms alone claimed 86 lives and caused more than $40 billion in damage. This year, NOAA is focusing on another severe season, perhaps — and God willing — not as bad as 2020, but still quite bad. We all know that these storms are coming.  And we're going to be prepared; we have to be ready.”

Last year, the Atlantic spun a record 30 named storms, with 14 hurricanes. None made landfall in Florida, a relief as the state took direct hits from major storms in 2016, 2017, 2018 and 2019. 

But that didn’t mean Florida was spared as, for example, the Pensacola area sustained severe flooding and other damage from Hurricane Sally, which made landfall across the border in Alabama.

And after a year of COVID-19, Guthrie said the state has stockpiled enough personal protective equipment for several hurricanes and will again be able to offer non-congregate shelters — hotels and dorms for individuals or families. Unlike in 2020, such accommodations will be just for people who test positive for the virus.

Guthrie also said plans remain from last year for staff members to respond to simultaneous disasters, with a team working on COVID-19 response in the state emergency operations center shifting to a neighboring building while a second team takes the desks in the main room to focus on storms.

“We do have additional personnel we would bring on for responding to the hurricane,” Guthrie said. “We've been in that mode since last year. You know, last year we responded to wildfires, we responded to tornadoes. We responded to tropical cyclones. We responded to a couple of floods. So, these guys are used to now responding to multiple incidents at one time.”