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Wikipedia
Hurricanes, tropical cyclones, and typhoons are different names for the same phenomenon: a cyclonic storm system that forms over the oceans. It is caused by evaporated water that comes off of the ocean and becomes a storm. The Coriolis Effect causes the storms to spin, and a hurricane is declared when this spinning mass of storms attains a wind speed greater than 74 mph. Hurricane is used for these phenomena in the Atlantic and eastern Pacific Oceans, tropical cyclone in the Indian, and typhoon in the western Pacific.
HURRICANE HAZARDS
A common image of the damaging effects of hurricanes is that of storm-driven waves crashing against a shoreline, destroying fishing piers and coastal homes. Waves, driven to a speed that is a significant fraction of the hurricane's wind speed, crash against any structure in their path with irresistible force. Storm surge ahead of the hurricane raises sea level and carries damaging waves even farther onshore, which causes flooding in areas normally well above the high tide line.
Rain is torrential in the rain bands surrounding the eye of a hurricane. Driven by hurricane-force wind, water can enter homes through usually rain-tight openings and cause significant damage.
Hurricane-force rain entering through a wind-destroyed roof can completely devastate a home's interior and contents.
Hurricane-force rain entering through a wind-destroyed roof can completely devastate a home's interior and contents.
The degree of damage that a hurricane produces varies with the intensity of the storm. Hurricane strength has been categorized in several ways. The accepted scale today for measuring hurricane intensity is the Saffir-Simpson Damage-Potential Scale, which came into general use in 1974. Before that, hurricanes were categorized as Great Hurricanes, or as Minor, Minimal, Major, or Extreme Hurricanes.

Great Hurricanes were characterized by winds greater than 125 mph, and diameters of hurricane winds of 10 miles or more colorado edu hazard

Great Hurricanes were characterized by winds greater than 125 mph, and diameters of hurricane winds of 10 miles or more colorado edu hazard
Mitigating Hurricane Losses
For years, insurance companies have offered premium credits or lower insurance rates to customers who take steps to prevent fire, liability, and other losses. Today, insurers are also developing and implementing programs designed to reward customers who mitigate hurricane losses.
When a major hurricane comes ashore in a populated area, some property loss is inevitable. But sturdy construction of buildings and the addition of protective devices, such as storm shutters, can reduce losses. And strong building codes — rigorously enforced — should prevent much of the economic dislocation and human suffering that hurricanes typically bring to a community.
When a major hurricane comes ashore in a populated area, some property loss is inevitable. But sturdy construction of buildings and the addition of protective devices, such as storm shutters, can reduce losses. And strong building codes — rigorously enforced — should prevent much of the economic dislocation and human suffering that hurricanes typically bring to a community.
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Lower Rates for Sturdy Construction
For more than 200 years, insurers have encouraged sound construction practices by offering lower rates for properties less susceptible to damage.
Today,
For more than 200 years, insurers have encouraged sound construction practices by offering lower rates for properties less susceptible to damage.
Today,
ISO's programs for personal and commercial property recognize that different kinds of construction —
wood frame, masonry, and others — differ in their susceptibility to windstorm damage. In addition, ISO's commercial property program recognizes that other factors — building height, reinforcement of masonry walls, strength of steel frames — also affect the ability of buildings to resist wind.
wood frame, masonry, and others — differ in their susceptibility to windstorm damage. In addition, ISO's commercial property program recognizes that other factors — building height, reinforcement of masonry walls, strength of steel frames — also affect the ability of buildings to resist wind.
ISO publishes information about loss costs for each type of structure. Insurers can use such information to help in determining fair, actuarially sound rates. Such rates reward customers whose properties have loss-resistant characteristics.

Storm shutters or other protective devices for doors, windows, skylights, and vents can also mitigate hurricane losses. Insurers have begun offering credits that reduce premiums for customers who install such devices.Humminbird Fish Finders - Instant Rebates & Free Shipping!
For example, following legislative action in Florida and New York, ISO has updated its homeowners programs in those states to include credits for storm shutters. In Florida, the credits vary by territory and type of policy and apply to policies that cover the perils of windstorm and hail.
To qualify for the credits, property owners must install storm shutters, hurricane-resistant glazing material, or acceptable alternatives that protect all openings in external walls and roofs. The devices must be able to withstand a specified wind pressure. Property owners can qualify for additional credits by installing devices that can also meet specified standards for withstanding impact from wind-driven debris.
To qualify for the credits, property owners must install storm shutters, hurricane-resistant glazing material, or acceptable alternatives that protect all openings in external walls and roofs. The devices must be able to withstand a specified wind pressure. Property owners can qualify for additional credits by installing devices that can also meet specified standards for withstanding impact from wind-driven debris.

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