June 1st is the official beginning of the Hurricane Season. So far the Atlantic it has been experiencing a relatively calm period with no tropical cyclone activity expected in the Atlantic during the next 48 hours.  That can change drastically in the blink of an eye.

One of the most important facts that I inform our policyholders (and that many people are unaware of) is that a Flood Insurance Policy has a 30-Day Waiting Period from date of purchase until the policy goes into effect. Many people delay obtaining a plan until they hear of an impending storm and at that point it can be too late.

It is better to prepare now, and then get locked out. To learn more about your flooding risk and how to protect yourself and your business, visit the Federal Insurance and Mitigation Administration (NFIP) Web site, www.floodsmart.gov or call 1-800-427-2419.

We can also help you to understand your risk at http://www.warwickresource.com/research-center/flood-insurance

As the Boy Scouts of America always say … be prepared. The best way to survive devastation during a hurricane is to defend yourself from it.


  • Prepare an emergency kit and make a family communications plan. We have a great link that will give you all of the information you need to do this. http://www.warwickresource.com/research-center/disaster-preparedness-center/emergency-basics•   
  • Know your surroundings, the elevation level of your property, and whether the land is prone to flood. Also Identify levees and dams that may pose a hazard.
  • Learn evacuation routes.
  • If in a high-rise building, be prepared to take shelter on or below the 10th floor.


  • Cover all of your home’s windows. Permanent shutters offer the best protection for windows but 5/8” marine plywood cut to fit and ready to install will provide protection
  • Install straps to fasten your roof to the framing structure.
  • Keep trees and shrubs around your home manicured.
  • Clean rain gutters and downspouts of debris.
  • Reinforce garage doors to avoid structural damage from wind.
  • Plan storage for outdoor furniture, decorations, garbage cans, etc.
  • Pre-determine how to secure any boats.
  • Install a generator
  • Consider building a safe room.

And most importantly, consider purchasing flood insurance. It will save you an immense amount of time and aggravation after the storm subsides. Anyone who has been flooded from a storm can attest to that.