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Hurricanes & Cyclones Affect Travel Insurance

There may be some facts you need to know about named events like hurricanes and cyclones – and travel insurance

As hurricane season continues, a little known clause in most travel insurance policies could really make a difference, but only if you know you are eligible to make a claim.

Most travel insurance policies have a clause allowing the insured traveler to return home if their home is rendered uninhabitable.

Other facts about how hurricanes and severe weather impact travel insurance:

1 - You can claim if your flight is cancelled because you are either traveling to or traveling from an area affected by the hurricane.

2 - You can claim if you are in an area that is under a mandatory evacuation and you have to leave for a few days.

3 - You can claim if you are in an area that is under a mandatory evacuation order and you have to either cut short or extend your vacation.

4 - You can claim if your home was rendered uninhabitable by the storm.

5 - You cannot make a claim if the hurricane or storm was named BEFORE you purchased insurance.

This is an important part of any type of insurance and is referred to as a "named event". Chris Harvey, President of Squaremouth.com explains: "A named event clause exists within most policies to protect the insurance companies by stopping people buying insurance when they know something bad may happen. As soon as a tropical depression becomes a tropical storm and gets a name, insurance companies will not provide coverage. This clause is also relevant for other events like terrorism and airline strikes"

also see related Feature: Hurricane Clean-Up Tips

Related Web Sites:

How to Build Your Own Storm Shutters

Hurricane Weather Center

American Red Cross Disaster Safety: Hurricanes

Community Hurricane Preparedness

For more information contact Chris Harvey at (727) 490-5802 or charvey@squaremouth.com or visit http://www.quotetravelinsurance.com