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NEW YORK, May 31, 2011 — An above-normal hurricane season is expected this year, according to the seasonal issued by , a division of the . NOAA is predicting that there will 12 to 18 named storms (winds of 39 mph or higher); of which six to 10 could become hurricanes (winds of 74 mph or higher); including three to six major hurricanes (Category 3, 4 or 5; winds of 111 mph or higher).

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Reporters covering the insurance implications of the hurricane season are encouraged to contact the ÐÓ°ÉÔ­´´ Information Institute (I.I.I.).

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Wind damage from hurricanes is covered under standard homeowners, renters and business insurance policies, but may be subject to a percentage-based windstorm deductible. Damage to cars from wind is covered under the optional comprehensive portion of an auto insurance policy.

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Flood damage is excluded under most standard homeowners, renters and business insurance policies. Flood insurance is available through the federal government’s National Flood ÐÓ°ÉÔ­´´ Program (), and from a few private insurers. There is typically a 30-day waiting period before a flood insurance policy goes into effect. The optional comprehensive portion of an auto insurance policy includes coverage for flood damage.

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In preparation for hurricane season, everyone should take these important steps: review their insurance coverage; research their flood insurance risk; conduct a home inventory and develop an evacuation plan. Detailed information on disaster preparedness can be found here.

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The I.I.I.’s online resources include:

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To arrange an interview with an I.I.I. subject matter expert, please call the press office at 212-346-5500.

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More information about protecting your property is available from the ÐÓ°ÉÔ­´´ .

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