No Hurricane Deductibles for Sandy Claims in New Jersey, Maryland

October 31, 2012

  • November 1, 2012 at 12:30 pm
    dreamer says:
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    READ THIS NOW:
    ZCZC MIATCUAT3 ALL
    TTAA00 KNHC DDHHMM

    POST-TROPICAL CYCLONE SANDY TROPICAL CYCLONE UPDATE
    NWS NATIONAL HURRICANE CENTER MIAMI FL AL182012
    800 PM EDT MON OCT 29 2012

    …POST-TROPICAL CYCLONE SANDY MAKES LANDFALL ALONG THE COAST
    OF SOUTHERN NEW JERSEY…

    SUMMARY OF 800 PM EDT…0000 UTC…INFORMATION
    ———————————————-
    LOCATION…39.4N 74.5W
    ABOUT 5 MI…10 KM SW OF ATLANTIC CITY NEW JERSEY
    ABOUT 40 MI…65 KM NE OF CAPE MAY NEW JERSEY
    MAXIMUM SUSTAINED WINDS…80 MPH…130 KM/H
    PRESENT MOVEMENT…WNW OR 300 DEGREES AT 23 MPH…37 KM/H
    MINIMUM CENTRAL PRESSURE…946 MB…27.93 INCHES

    SURFACE…RADAR…AND AIR FORCE RESERVE HURRICANE HUNTER AIRCRAFT
    DATA INDICATE THAT POST-TROPICAL CYCLONE SANDY MADE LANDFALL NEAR
    ATLANTIC CITY NEW JERSEY AROUND 800 PM EDT…0000 UTC…WITH
    MAXIMUM SUSTAINED WINDS OF 80 MPH…130 KM/H.

    NATIONAL OCEAN SERVICE TIDE GAUGES HAVE RECENTLY REPORTED STORM
    SURGE HEIGHTS OF 11.9 FEET AT KINGS POINT NEW YORK…8.4 FEET
    AT THE BATTERY NEW YORK…AND 8.6 FEET AT SANDY HOOK NEW JERSEY.

    WITHIN THE PAST HOUR OR SO…A SUSTAINED WIND OF 49 MPH WITH A GUST
    TO 73 MPH WAS REPORTED AT JFK INTERNATIONAL AIRPORT IN NEW YORK. A
    WIND GUST TO 71 MPH WAS RECENTLY OBSERVED AT FARMINGDALE NEW YORK.

    ANOTHER UPDATE WILL BE ISSUED AT 900 PM EDT. NHC WILL ISSUE ITS LAST
    ADVISORY ON SANDY AT 1100 PM EDT. THE HYDROMETEOROLOGICAL
    PREDICTION CENTER…HPC…WILL BEGIN ISSUING PUBLIC ADVISORIES AT
    500 AM EDT TUESDAY. HPC PUBLIC ADVISORIES WILL BE ISSUED UNDER THE
    SAME WMO AND AWIPS HEADERS AS THE NHC PUBLIC ADVISORIES…AND WILL
    ALSO BE AVAILABLE VIA THE NHC WEBSITE.

    $$
    FORECASTER BROWN/ROBERTS

    NNNN
    9:00pm

  • November 1, 2012 at 1:52 pm
    Bob says:
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    Dear Insurers: Reinsurers are going to have meltdown over this political decision. Good luck with cat treaty renewals.

  • November 1, 2012 at 2:17 pm
    Bob says:
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    Also quite a play on words. Post tropical cyclones can be just as destructive as hurricanes. All depends on the energy source of the storm whether its classified as a hurricane or sub tropical cyclone. Go to the NHC website for the glossary. This will keep lawyers busy for years. Too bad so close to election day. Nice gift.
    The “hurricane” models will now have to be renamed as tropical cyclone models.

  • November 1, 2012 at 2:31 pm
    Richard says:
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    Dang it I donated money to people effected by Hurricane Sandy…you think Red Cross will send that back because Ken Kobylowski said no one there was effected by the Hurricane?

    I would love to see Washington only offer assistance to states effected by “The Hurricane”. Would we see Ken change his semantics then?

  • November 1, 2012 at 5:19 pm
    Carol says:
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    When did a hurricane become a peril? I always thought wind was the peril being covered.

  • November 2, 2012 at 10:35 am
    William says:
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    You are correct. Hurricane is not a named peril – neither is tornado. The issue is over the hurricane deductible and I guess the definition of hurricane. No hurricane then the claim resorts to the standard deductible.

    The larger issue is by what authority does a governor, dept. of insurance, and the like have to unilaterally vitiate contracts between parties. It happens all the time. The insurance companies usually cave instead of challenging in court.

  • November 2, 2012 at 11:28 am
    Don Murphy says:
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    Once a tropical storm reaches sustained wind velocities of 74 MPH it becomes a Hurricane. When Sandy went ashore in NJ winds were 80 MPH. A Post tropical storm I guess is one that is no longer in the tropics which of course applies to every Hurricane that strikes Florida or the Gulf coast since no part of the US is in the Tropics. Politicians are pandering to the public – just wait until they encourage the property insurance mess we now have in Florida when all the big companies decide not to do business in their states anymore. Short term short sighted solutions, typical of politicians.

    • November 2, 2012 at 12:52 pm
      PR HODSON says:
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      EXACTLY ON POINT, DON! AND EVEN IF THEY DO GET COMPANIES TO WRITE, THE CITIZENS (PARDON THE SAD PUN)WILL HAVE TO GET AN EXTRA JOB (IF THEY CAN FIND ONE) TO PAY THE PREMIUMS.

  • November 2, 2012 at 2:29 pm
    exclaimsguy says:
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    I guess no one cares about proximate cause. I am guessing the actuaries anticpated pricing on the basis of a hurricane being a hurricane beyond this politically limied scope.

  • November 5, 2012 at 12:53 pm
    Libby says:
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    I don’t think this article was written well. Having lived in New England,I doubt NY, NJ & CT have “hurricane” deductibles. They may have wind or Named Storm deductibles, though. The article is not clear if they are talking about these types of deductibles or not because they are not using the proper terminology.

    The other issue is wind v. flood. One peril covered by the policy (but maybe subject to a higher deductible) and one peril not covered under the policy but able to be covered through NFIP.

  • November 13, 2012 at 7:44 am
    mary doyle says:
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    have $1500 deductable on home insurance in Brick N.J. have tree on roof how does sandy storm apply…please keep it simple…as the more I read confusion rises…thank you



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