Category Archives: News

National Flood Insurance Program

Provided is a copy of the recent NFIP Premium Comparison ChartThis chart comes in handy when dealing with homeowners or local officials. It helps explain the benefits of flood insurance, elevating and freeboard as it relates to monetary savings.  The NFIP Call Center Brochure is for anyone needing assistance from the NFIP Support Center.

Courtesy of: Mark Lujan (FEMA Region VI – Sr. Region Insurance Specialist) & and John Miles (FEMA Region VI)

Meteorologist Terminology

What’s the Difference Between a Tropical Depression,
Tropical Storm and Hurricane?

Meteorologists use special terminology based on various classifications for developing tropical activity.

You’ve heard AccuWeather.com meteorologists describe these weather formations as tropical systems, tropical disturbances, tropical depressions, tropical storms and hurricanes. What does all of this terminology really mean?

Stages of Tropical Formation:

The first official stage of a tropical classification is a tropical depression, but before this happens meteorologists refer to this potential activity using many different terms, all which mean about the same thing.

You’ll hear them throw out some of these terms: tropical system, tropical feature, tropical activity, tropical disturbance, tropical wave. These descriptions all refer to a weather formation that has potential to strengthen and organize into a substantial tropical storm, or even a hurricane.

When these descriptors are used, the storm at its current state doesn’t have strong enough sustained and organized winds or the pressure necessary to be classified as a tropical depression.

Tropical Depression

A tropical depression forms when a low pressure area is accompanied by thunderstorms that produce a circular wind flow with maximum sustained winds below 39 mph. Most tropical depressions have maximum sustained winds between 25 and 35 mph.

In the U.S., the National Hurricane Center (NHC) is responsible for issuing advisories upgrading or downgrading tropical activity.

Reconnoissance aircraft missions are sent by the NHC flying into tropical storms to gather data, like wind speeds, to aid in making these classification changes. Surface data from islands, buoys and vessels can also be used to make changes.

Tropical Storm

An upgrade into a tropical storm occurs when cyclonic circulation becomes more organized and maximum sustained winds gust consistently at or above 39 mph, and no higher than 73 mph. Tropical storm status is when the naming of the storm takes place.

Hurricane Classification

A tropical storm is then upgraded into Category 1 hurricane status as maximum sustained winds increase to between 74 mph and 95 mph.

The Saffir-Simpson Hurricane Scale is used to rate hurricane intensity in the Atlantic Basin. A 1-5 rating system is used, with Category 1 being a less intense storm and Category 5 very intense.

Story by Carly Porter, AccuWeather.com Staff Writer

Policyholder Protection Extended

 

New Louisiana Emergency Rule Extends Flood-Impacted Policyholder Protection

Louisiana Insurance Commissioner Jim Donelon says a new emergency rule extends the time in which policyholders affected by August 2016 flooding have to comply with insurance policy provisions.

Emergency Rule 33 continues the provisions of previously issued Emergency Rules 28, 30 and 32 which suspend the ability of insurers to cancel or terminate policies due to the inability of policyholders in federal declared disaster areas to comply with certain policy provisions during the state of emergency. For example, some policies might require habitation or occupancy of dwellings or similar provisions that are not reasonably feasible to comply with following the catastrophic flooding.

The Emergency Rule includes the following provisions for the period Aug. 12, 2016, through Aug. 14, 2017:

  • The emergency rule applies to all insurers regarding all types of homeowners and/or residential property insurance, commercial insurance, fire and extended coverage insurance, credit property and casualty insurance, property and casualty insurance and surplus lines insurance.
  • The Emergency Rule applies to insureds living in Acadia, Ascension, Assumption, Avoyelles, Cameron, East Baton Rouge, East Feliciana, Evangeline, Iberia, Iberville, Jefferson Davis, Lafayette, Livingston, Pointe Coupee, St. Charles, St. Helena, St. James, St. John the Baptist, St. Landry, St. Martin, St. Tammany, Tangipahoa, Vermilion, Washington, West Baton Rouge and West Feliciana. All of those parishes were included in the federal disaster declaration following the August 2016 flood events.

Source: Louisiana Department of Insurance