For immediate release
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SAINT JOHNS, Fla., Oct. 27, 2020 – Residents from Louisiana to the Florida Panhandle should prepare for Tropical Storm Zeta, which is forecast to make landfall as a hurricane along the U.S.’s Gulf Coast on Wednesday, Oct. 28, according to the Insurance Information Institute (Triple-I).
The National Hurricane Center (NHC) warns Zeta’s impacts will include damaging winds, torrential rainfall, life-threatening storm surge, flash flooding, isolated tornadoes and widespread power outages.
In what has become one of the most active Atlantic hurricane seasons on record with 27 named storms (tying the 2005 season), Zeta will be the 11th named storm to make a U.S. landfall this year. Should the tropical storm’s wind speeds intensify, Zeta also would be the sixth hurricane to make landfall in 2020.
Previous 2020 landfalls include Hurricanes Hanna, Isaias, Laura, Sally and Delta, and Tropical Storms Bertha, Beta, Cristobal, Fay and Marco. Four of the landfalls have occurred in Louisiana (Cristobal, Marco, Laura and Delta) and one in Alabama (Sally).
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 and Mississippi residents who may be impacted by Zeta:
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