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Hurricane Season Risks: What Insurance Won't Cover
15 Jul
Summary
- Warmer oceans fuel stronger storms and heavier rainfall.
- Standard homeowners insurance may not cover all flood costs.
- Inland cities face risks from heavy rain and downed trees.
Hurricane season, active through November 30, necessitates preparation for Georgia homeowners regarding insurance coverage. Tropical systems can impact inland cities like Augusta and Athens with significant rainfall, flash flooding, and power disruptions, according to experts. Rising ocean temperatures, driven by climate change, are contributing to more powerful storms and increased storm surge. This phenomenon intensifies evaporation and heat transfer from oceans to the atmosphere, feeding storms with more energy. Consequently, hurricanes bring heavier rainfall, stronger winds, and more extensive flooding upon landfall. For homeowners across the South, flood recovery often presents unexpected financial burdens. Even FEMA's National Flood Insurance Program may not cover several common post-flood expenses.
