The Storm Page

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On this page we provide information on hurricanes, current weather events, links to weather sites and weather related discussions.

All adjusters are invited to share weather information by posting it in the forum or adding your favorite weather links to the Resource Directory.

Also, if you have photos of weather related damage please share them by adding them to the Photo Gallery.

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Atlantic 5-Day Outlook

 

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Cane Categories

  • Cat 1 Hurricane
    - Sustained Winds 74-95 mph
  • Cat 2 Hurricane
    - Sustained Winds 96-110 mph
  • Cat 3 Hurricane
    - Sustained Winds 111-130 mph
  • Cat 4 Hurricane
    - Sustained Winds 131-155 mph
  • Cat 5 Hurricane
    - Sustained Winds greater than 155 mph

From the KB

Identification of Water Damages in Adjusting Hurricane Claims for Water Losses Other Than Flood

Source: North Carolina Department of Insurance

CADO Admin 0

....

In adjusting hurricane damage claims for homes within the 1968-1997 applicable residential code period, it is important that the inside of the walls be checked more carefully than
newer construction to ensure that moisture hasn’t seeped into the walls that will eventually result in mold and interior wall rot. If adjusters do not look for moisture build-up trapped inside the wall, then this damage could be missed, causing mold and rot to proliferate and resulting in bigger problems for homeowners in the future.

...

Hurricane and Windstorm Deductibles

CADO Admin 0

The source of the information below is the Insurance Information Institute, iii.org

Nineteen states and the District of Columbia have hurricane deductibles: Alabama, Connecticut, Delaware, Florida, Georgia, Hawaii, Louisiana, Maine, Maryland, Massachusetts, Mississippi, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Texas, Virginia and Washington DC. Listed below are reports for these states detailing hurricane deductibles.

 

Historical Hurricane Tracks

CADO Admin 0

Subject: Historical Hurricane Tracks
Description: The Historical Hurricane Tracks tool is an interactive mapping application that allows you to easily search and display Atlantic Basin and Eastern North Pacific Basin tropical cyclone data. 

Source: NOAA Climate.gov 
 



NFIP Claims Manual Effective June 1, 2019

National Flood Insurance Program

Roy

The Publication Date  of the most current manual is: June 1, 2019

The purpose of the NFIP Claims Manual is to improve clarity of claims guidance to WYOs, vendors, adjusters, and examiners so that policyholders experience consistency and reliability of service. The manual provides processes for handling claims from the notice of loss to final payment.

All NFIP bulletins, other than those announcing Flood Insurance Claims Office numbers, Flood Response Office locations, claims adjuster briefings, and current/future program changes, are superseded by this manual and of no further effect. 

Source: NFIP


Addendum to the NFIP Adjuster Claims Manual — Special Adjustment Issues: Fiberboard Sheathing/Blackboard

WYO Bulletin w-17065

Roy

On October 13, 2017, the National Flood Insurance Program (NFIP) updated the NFIP Adjuster Claims Manual by adding an addendum providing additional guidance on special adjustment issues surrounding perimeter wall sheathing. The addendum expands upon and replaces existing guidance found at Paragraph P of Section VIII of the NFIP Adjuster Claims Manual.


Special Adjuster Fee Schedule for Claims with a Date of Loss on or after August 24, 2017, through November 30, 2017

Source: Bulletin W-17045

CADO Admin

Hurricanes Harvey and Irma caused widespread flooding in Texas, Louisiana, the U.S. Virgin Islands, Puerto Rico, Florida, and the southeast United States. Due to the catastrophic impacts of these hurricanes and the increased demand for flood insurance adjusters, the Federal Emergency Management Agency (FEMA) is increasing the amount it will pay to adjust flood insurance claims.

The entire insurance industry is searching for qualified individuals to join the ranks of claims adjusters to handle losses from Harvey, Irma, and future events. FEMA recognizes the specialized knowledge required to properly adjust NFIP losses. Adjusters must know the differences between the Standard Flood Insurance Policy (SFIP) and private industry property insurance forms. They must know interpretations of coverage made by FEMA and the unique reporting requirements of the NFIP. Accordingly, FEMA maintains a list of adjusters authorized to handle NFIP losses.


New Guidelines for NFIP Adjusters

FEMA Bulletin w-16005 – Authorized NFIP Adjusters and 2016 NFIP Claim Presentations

CADO Admin

A note about the use of the term “Authorized NFIP Adjuster” rather than “Certified NFIP Adjuster”: It is FEMA’s position that certification requires a more formal course of study and the successful passing of a series of examinations before certification is awarded, such is the case with Certified Public Accounts. Also, the FCN will now be referred to as the Flood Control Number.


NFIP Training Available Online

Roy
The NFIP offers free online courses in basic and advanced flood insurance topics through the FEMA Emergency Management Institute. NFIP Training courses are free and open to anyone. Click on a link below to begin your self study course. 

 

(note: we first posted this in December of 2015, but it was deleted in error)


NFIP Coverage Comparison as of December 31, 2000

Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form

Roy

This chart shows provides a coverage comparison of the following NFIP policies. 

The Three Policy Forms 
There are three policy forms – Dwelling Form, the General Property Form, and the 
Residential Condominium Building Association Policy. Each is used to insure a different type 
of property. All, however, contain certain terms and condition (e.g., Mortgage Clause, 
Reformation of Coverage) that are unique to flood insurance.
 

source: NFIP

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Some Notable Cane Activity since we have been online

2012

Hurricane Sandy (unofficially known as "Superstorm Sandy") was the deadliest and most destructive hurricane of the 2012 Atlantic hurricane season, as well as the second-costliest hurricane in United States history. Classified as the eighteenth named storm, tenth hurricane and second major hurricane of the year, Sandy was a Category 3 storm at its peak intensity when it made landfall in Cuba.[1] While it was a Category 2 storm off the coast of the Northeastern United States, the storm became the largest Atlantic hurricane on record (as measured by diameter, with winds spanning 1,100 miles (1,800 km)).[2][3] Estimates as of March 2014 assess damage to have been over $68 billion (2013 USD), a total surpassed only by Hurricane Katrina.[4] At least 286 people were killed along the path of the storm in seven countries. From Wikipedia, the free encyclopedia
Photos - Discussions: Sandy Disscussion -

2011

Hurricane Irene, the storm slowly leveled-off in intensity as it struck the Bahamas and then curved northward after passing east of Grand Bahama. Continuing to weaken, Irene was downgraded to a Category 1 hurricane before making landfall on the Outer Banks of North Carolina on August 27, becoming the first hurricane to make landfall in the United States since Hurricane Ike in 2008. Early on the following day, the storm re-emerged into the Atlantic from southeastern Virginia. Although Irene remained a hurricane over land, it weakened to a tropical storm while making yet another landfall in the Little Egg Inlet in southeastern New Jersey on August 28. A few hours later, Irene made its ninth and final landfall in Brooklyn, New York City. Early on August 29, Irene transitioned into an extratropical cyclone hitting Vermont/New Hampshire after remaining inland as a tropical cyclone for less than 12 hours. From Wikipedia, the free encyclopedia
Photos - Discussions:

2008

Ike developed a large wind field as it moved northwestward across the Gulf of Mexico over the next 3 days, with tropical-storm-force winds extending up to 275 miles from the center and hurricane-force winds extending up to 115 miles from the center. The hurricane gradually intensified as it moved across the Gulf toward the Texas coast. Ike made landfall over the north end of Galveston Island in the early morning hours of September 13 as a Category 2 hurricane with maximum sustained winds of 110 mph. The hurricane weakened as it moved inland across eastern Texas and Arkansas and became extratropical over the middle Mississippi Valley on September 14. It then moved rapidly through the Ohio valley and into Canada, producing wind gusts to hurricane force along the way. Source: NOAA

2005

Hurricane Katrina Was the deadliest and most destructive Atlantic tropical cyclone of the 2005 Atlantic hurricane season. It is the costliest natural disaster, as well as one of the five deadliest hurricanes, in the history of the United States. Katrina is the seventh most intense Atlantic hurricane ever recorded, part of the 2005 season that included three of the six most intense Atlantic hurricanes ever documented (along with #1 Wilma and #4 Rita). At least 1,833 people died in the hurricane and subsequent floods, making it the deadliest U.S. hurricane since the 1928 Okeechobee hurricane; total property damage was estimated at $108 billion (2005 USD),[1] roughly four times the damage brought by Hurricane Andrew in 1992. From Wikipedia, the free encyclopedia
Photos Discussions: 

2004

The 2004 Atlantic hurricane season was the costliest Atlantic hurricane season, until the following year. More than half of the 16 tropical cyclones brushed or struck the United States. The season officially began on June 1, and ended on November 30. Due to a Modoki El Niño – a rare type of El Niño in which unfavorable conditions are produced over the eastern Pacific instead of the Atlantic basin due to warmer sea surface temperatures farther west along the equatorial Pacific – activity was above average. The first storm, Alex, developed offshore of the Southeastern United States on July 31. It brushed the Carolinas and the Mid-Atlantic, causing one death and $7.5 million (2004 USD) in damage.[nb 1] Several storms resulted in minor impact, including tropical storms Bonnie, Earl, Hermine, and Matthew. In addition, hurricanes Danielle, Karl, and Lisa, Tropical Depression Ten, Subtropical Storm Nicole and Tropical Storm Otto caused no impact on land while tropical cyclones. From Wikipedia, the free encyclopedia

2003

Hurricane Isabel was the costliest, deadliest, and strongest hurricane in the 2003 Atlantic hurricane season. The ninth named storm, fifth hurricane, and second major hurricane of the season, Isabel formed near the Cape Verde Islands from a tropical wave on September 6 in the tropical Atlantic Ocean. It moved northwestward, and within an environment of light wind shear and warm waters it steadily strengthened to reach peak winds of 165 mph (265 km/h) on September 11. After fluctuating in intensity for four days, Isabel gradually weakened and made landfall on the Outer Banks of North Carolina with winds of 105 mph (165 km/h) on September 18. It quickly weakened over land and became extratropical over western Pennsylvania the next day. Source: Wikipedia Photo Credit: Jacques Descloitres, MODIS Rapid Response Team, NASA/GSFC
Discussions: 458,000 ISO- Hurricane Isabel Claims, "Isabel", is a Hot Potato headed behind? and more..

 

Know before you go!

 

2021 Atlantic Hurricane Storm Names

  • * Ana 
  • * Bill 
  • * Claudette 
  • * Danny
  • * Elsa
  • * Fred 
    • Fred made landfall as a TS at 2:15 PM CDT on 8/16/2021 in the eastern Florida Panhandle
  • * Grace 
    • Grace made it's final landfall south Tuxpan Mexico as a CAT 3 Hurricane at 1 AM CDT 9/21/21
  • * Henri
  • * Ida 
    • ​At 11:55 AM CST 8/29/2021 Ida made landfall near Port Fourchon Louisiana, with 
      sustained winds estimated to be 150 mph which makes it a Cat 4 
  • * Julian
  • * Kate
  • * Larry
    • Larry made landfall near South East Bight, Newfoundland on 9/11/2021 as a Cat 1 Hurricane

  • * Mindy

  • * Nicholas
    • 9/14/01 Hurricane Nicholas made landfall near 1230 AM CDT (0530 UTC) on eastern part of the Matagorda Peninsula, about 10 miles (15 km) west-southwest of Sargent Beach, Texas.

  • *Odette​
    • 500 PM AST Sat Sep 18 2021, ...ODETTE BECOMES A POST-TROPICAL CYCLONE SOUTH OF NOVA SCOTIA...
  • *Peter
    • ​Looks like it may be a fish storm
  • * Rose
    • Another Fish Storm
  • * Sam
    • ​Fish Storm
  • * Teresa
    • ​Fish Storm
  • * Victor
    • ​Fish Storm
  • * Wanda

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