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Severe weather is getting stronger, and powerful storms are becoming more frequent. This megatrend is particularly relevant for Texas boat owners, and we highly recommend that you get an insurance review before the coming hurricane season begins.
An insurance review will give you an opportunity to discuss with your agent at All Around Insurance Agency in Katy, TX, the important issues, which include potential damage from high winds, storm surge, evacuation, storage, and named-storm provisions.
What is a tropical depression, a named storm, a tropical storm, and a hurricane?
Some insurance policies differentiate between damage caused by an unnamed tropical depression and damage caused by an officially named storm or a hurricane. These details are important because they may affect your claim.
Here is a list in the order of strength, from the weakest to the strongest storms:
1. Tropical Depression
2. Named Storm
3. Tropical Storm (keeps the same name)
5. Hurricane (keeps the same name)
Tropical depressions have sustained winds less than 39 miles per hour. Storms get names when sustained winds exceed 39 miles per hour. Storms with names that are stronger are called tropical storms when they have sustained winds of 39 to 73 miles per hour. A storm keeps its name and becomes a hurricane when sustained winds exceed 74 miles per hour.
Read the details in your boat and watercraft insurance policy about the storm terminology used by your insurance company and the definitions of the covered perils.
Work with Your Agent
Ask your agent to explain anything you don’t understand, and especially any concerns about situations when you may not have insurance coverage. For example, a hurricane may damage your boat, and storm surge may cause it to come onshore to create additional property damage.
Reach out to us at All Around Insurance Agency in Katy, TX, for all your boat and watercraft insurance needs.
