With memories of Hurricane Sandy in 2013 and Hurricane Irene in 2012, everyone in the northeast is well aware of the destruction that these powerful hurricanes can cause.  It’s not only wind damage but flooding that presents a major threat in such a storm.  The Atlantic is expected to have an “active or extremely active” hurricane season according to The National Oceanic and Atmospheric Administration (NOAA). There is a 70% chance of 13 to 20 named storms.

Even with state-of-the-art weather forecasting, it’s impossible to accurately predict how a storm will develop and how severe the damage will be in a given area.  Planning ahead rather than wait until a storm is imminent to prepare and have to scramble to protect your property is essential.  As we saw with Irene, hurricane force winds can travel far inland causing damage, so planning is impotant for everyone not just those who live near the coast.

Beyond physical preparation steps for your property, your business and your family, be sure that you have proper insurance coverage on your property. Remember that home and commercial property policies typically exclude damage caused by floods. You need to have a separate flood insurance policy to protect for such damage.  As we saw with Sandy, many people didn’t have flood insurance and didn’t have coverage to rebuild. There is generally a 30 day period after purchasing flood insurance before coverage becomes effective, so you need to get your coverage in place well in advance.

Also, once a hurricane has been announced, binding coverage in an affected area may not be possible, so make sure you’re protected now with the proper amount of home, condominium, renters and commercial property insurance. In addition to property, businesses need to consider having business interruption coverage. If you have questions about your insurance protection, please contact us, so that we may assist you.

Helpful resources:

Ready.gov
Hurricane Preparation Checklist
Traveler’s Insurance Catastrophe Resources
Insurance Business Institute for Business
FEMA: The Disaster Area for Kids
NOAA predicts an active hurricane season

Photo: NOAA/NASA

Read Other Blog Posts

Life Insurance in Groton, MA Protecting What Matters with Murphy Insurance
Hazard symbol

Updated Hazard Communication Standard

Employers should review OSHA's the final rule on its Hazard Communication Standard (HCS) to determine how the changes affect them. Specifically, paying attention to their compliance dates for required actions which go into affect in 2026 and 2027.
Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flood Insurance May Be Critical to Safeguard Your MetroWest, Massachusetts Home

Flooding isn’t just a coastal problem—it’s a growing concern across MetroWest, Massachusetts. Whether you live in Framingham, Hudson, or Hopkinton, you may be surprised to learn your home is at risk. Learn how flood insurance can help protect your property from the damage that standard homeowners’ policies don’t cover.
Roundabout

Safe Driving Saves Money

For better or worse, your automobile insurance premium is a direct result of your driving record. While you can’t always prevent every accident or control what happens on the road, safe driving is one of the most powerful tools you have to protect both yourself and your finances. Keep reading to learn how maintain a safe driving record can lower your premium, and—as a result—protect your wallet.
Car driving

Buying a Car? Don’t Forget the Insurance Quote First!

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Shovel

Digging on Your Property? Here’s Why “Dig Safe” Should Be Your First Step

Under federal and state law, all homeowners and contractors are required to notify the appropriate utility companies before doing any excavation work. Keep reading to learn more about the standards for digging on your property.
What You Need to Know About Condominium Insurance in Groton MA

What You Need to Know About Condominium Insurance in Acton, MA

If you own a condo in Acton, MA, don’t assume the condo association’s master policy fully protects you. That policy typically covers the building’s exterior and shared spaces, but not the inside of your unit. Without your own Condominium Insurance, you could be on the hook for costly repairs to your walls, floors, or fixtures and replace personal belongings damaged by fire, water, or theft. It’s essential protection that helps ensure you’re not left paying out of pocket when the unexpected happens.
Sparkler 1200

Summer Fun and 4th of July Safety: Celebrating Smart

Summer is a time for BBQs, fireworks, family gatherings, and making the most of long days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER. Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.
Lightning

Lightning Storm Safety

Lightning storms light up the sky in dramatic fashion, but they’re also dangerous. A lightning strike can cause major injuries like burns, heart issues, or even brain damage. That’s why it’s important to know how to stay safe when one rolls into your area. Follow these helpful tips to help you stay safe.

Visit Our Personal Insurance Page

Personal Insurance

Life is an ever-changing journey, and it deserves a thoughtful, comprehensive plan to protect the things and people that matter most. Our dedicated team at Murphy Insurance is here to assist you in creating that plan. With a wide range of product options at our disposal, we ensure that your plan is tailored precisely to your requirements. Our commitment to providing clear, intelligent guidance to help you achieve true peace of mind. Learn more about our personal insurance portfolio.

Visit Our Business Insurance Page

Business Insurance

Murphy Insurance stands as your steadfast partner in safeguarding your business from unforeseen challenges in today’s dynamic business landscape. In an era where comprehensive business insurance is not just a prudent choice but a vital one for ensuring the long-term stability and security of your enterprise, we are here to offer our expertise. Running a business inherently entails various risks that can potentially impact your financial stability and reputation. Learn more about our comprehensive business insurance solutions, which are meticulously designed to protect you from these potential threats, granting you peace of mind necessary to focus on the growth and prosperity of your business.