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SAINT JOHNS, Fla., Oct. 7, 2020 – Residents from eastern Texas to the Florida Panhandle should prepare for Hurricane Delta, which is forecast to make landfall in Louisiana on Friday, Oct. 9, according to the Insurance Information Institute (Triple-I).
The National Hurricane Center (NHC) warns Delta’s impacts will include destructive winds, torrential rain, life-threatening storm surge, flash flooding, isolated tornadoes and widespread power outages.
In an advisory this morning, the NHC indicated Delta may intensify to a Category 3 storm as it approaches the U.S.’s Gulf Coast states. The region will begin to experience the storm’s impacts on Thursday, Oct. 8.
In what has become the second most active Atlantic hurricane season on record with 25 named storms (there were 27 in 2005), Delta will be the fifth hurricane and record-setting 10th tropical cyclone to make landfall in the continental U.S. this year. Previous 2020 landfalls include Hurricanes Hanna, Isaias, Laura and Sally, and Tropical Storms Bertha, Beta, Cristobal, Fay and Marco.
Damage caused by hurricanes and tropical cyclones are covered under different insurance policies, according to the Triple-I.
Wind-caused property damage is covered under standard homeowners, renters and business insurance policies. Renters’ insurance covers a renter’s possessions while the landlord insures the structure.
Property damage to a home, a renter’s possessions, and a business – resulting from a flood – is generally covered under FEMA National Flood Insurance Program (NFIP) policies, if the homeowner, renter or business has purchased one. Several private insurers also offer flood insurance.
Private-passenger vehicles damaged or destroyed by either wind or flooding are covered under the optional comprehensive portion of an auto insurance policy. Nearly 80 percent of U.S. drivers choose to purchase comprehensive coverage.
Through its Resilience Accelerator and the organization’s other educational materials, the Triple-I offers the following preparedness tips for Alabama, Florida, Louisiana, Mississippi, and Texas residents who may be impacted by Delta:
Catastrophes: Insurance Issues
Hurricane Season Insurance Checklist
How to Prepare for Hurricane Season
Hurricane Season Insurance Guide
Hurricanes and Windstorm Deductibles
Understanding Your Insurance Deductible
Preparing an Effective Evacuation Plan
Brochure: Settling Insurance Claims After A Disaster
Spotlight on Flood Insurance
Facts About Flood Insurance
Recovering from a Flood
Triple-I Hurricane Delta Update—Oct. 7, 2020
Triple-I Non-Resident Scholar Dr. Phil Klotzbach’s Update—Oct. 7, 2020
Hurricane Insurance Guide
Insurance Check Up: Homeowners and Hurricane/Flood Insurance
Create a Home Inventory