HARRISBURG PA – This week marks the mid-point of the 2009 Atlantic hurricane season, and while western Montgomery (PA) County‘s inclement weather during the period has been limited to occasionally higher winds and heavy rains, it pays to be careful, Pennsylvania Insurance Commissioner Joel Ario said Monday (Sept. 21, 2009).

A Federal Emergency Management Agency worker talks with a Philadelphia resident after flooding caused by Hurricane Floyd.

A Federal Emergency Management Agency worker talks with a Philadelphia resident after flooding caused by Hurricane Floyd.

Ario took the occasion to remind home owners their property insurance policies should be reviewed or updated.

“Insurance policy language is very specific about what damage is covered,” Ario warned. One key example: a standard homeowners insurance policy does not include flood protection. Consumers should review insurance policies at least annually with an agent to discover any coverage gaps that could prove costly, he suggested.

“Hurricane damage usually comes in the form of property damage, due to trees falling or power outages from high winds or flooding,” Ario said, “so it’s important to ensure your insurance policy covers the damage these storms can cause.” He noted that remnants of Hurricane Ike had a serious impact on parts of western Pennsylvania just a year ago.

The Atlantic hurricane season runs from June 1 to Nov. 30.

Photo from the FEMA Photo Library

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