Weather Alert  

TROPICAL STORM WARNING REMAINS IN EFFECT * LOCATIONS AFFECTED - Huntington - Smithtown - Port Jefferson * WIND - LATEST LOCAL FORECAST: Equivalent Tropical Storm force wind - Peak Wind Forecast: 40-50 mph with gusts to 70 mph - Window for Tropical Storm force winds: Tuesday afternoon until Tuesday evening - THREAT TO LIFE AND PROPERTY THAT INCLUDES TYPICAL FORECAST UNCERTAINTY IN TRACK, SIZE AND INTENSITY: Potential for wind 58 to 73 mph - The wind threat has remained nearly steady from the previous assessment. - PLAN: Plan for dangerous wind of equivalent strong tropical storm force. - PREPARE: Remaining efforts to protect life and property should be completed as soon as possible. Prepare for significant wind damage. - ACT: Move to safe shelter before the wind becomes hazardous. - POTENTIAL IMPACTS: Significant - Some damage to roofing and siding materials, along with damage to porches, awnings, carports, and sheds. A few buildings experiencing window, door, and garage door failures. Mobile homes damaged, especially if unanchored. Unsecured lightweight objects become dangerous projectiles. - Several large trees snapped or uprooted, but with greater numbers in places where trees are shallow rooted. Several fences and roadway signs blown over. - Some roads impassable from large debris, and more within urban or heavily wooded places. A few bridges, causeways, and access routes impassable. - Scattered power and communications outages, but more prevalent in areas with above ground lines. * STORM SURGE - LATEST LOCAL FORECAST: Localized storm surge possible - Peak Storm Surge Inundation: The potential for 1-3 feet above ground somewhere within surge prone areas - Window of concern: Tuesday afternoon until early Wednesday morning - THREAT TO LIFE AND PROPERTY THAT INCLUDES TYPICAL FORECAST UNCERTAINTY IN TRACK, SIZE AND INTENSITY: Potential for storm surge flooding greater than 1 foot above ground - The storm surge threat has remained nearly steady from the previous assessment. - PLAN: Plan for storm surge flooding greater than 1 foot above ground. - PREPARE: Complete preparations for storm surge flooding, especially in low-lying vulnerable areas, before conditions become unsafe. - ACT: Leave immediately if evacuation orders are given for your area. - POTENTIAL IMPACTS: Limited - Localized inundation with storm surge flooding mainly along immediate shorelines and in low lying spots, or in areas farther inland near where higher surge waters move ashore. - Sections of near shore roads and parking lots become overspread with surge water. Driving conditions dangerous in places where surge water covers the road. - Moderate beach erosion. Heavy surf also breaching dunes, mainly in usually vulnerable locations. Strong and frequent rip currents. - Minor to locally moderate damage to marinas, docks, boardwalks, and piers. A few small craft broken away from moorings. * FLOODING RAIN - LATEST LOCAL FORECAST: - Peak Rainfall Amounts: Additional 1-3 inches, with locally higher amounts - THREAT TO LIFE AND PROPERTY THAT INCLUDES TYPICAL FORECAST UNCERTAINTY IN TRACK, SIZE AND INTENSITY: Potential for moderate flooding rain - The flooding rain threat has remained nearly steady from the previous assessment. - PLAN: Emergency plans should include the potential for moderate flooding from heavy rain. Evacuations and rescues are possible. - PREPARE: Consider protective actions if you are in an area vulnerable to flooding. - ACT: Heed any flood watches and warnings. Failure to take action may result in serious injury or loss of life. - POTENTIAL IMPACTS: Significant - Moderate rainfall flooding may prompt several evacuations and rescues. - Rivers and streams may quickly become swollen with swifter currents and may overspill their banks in a few places, especially in usually vulnerable spots. Small streams, creeks, canals, and ditches may overflow. - Flood waters can enter some structures or weaken foundations. Several places may experience expanded areas of rapid inundation at underpasses, low lying spots, and poor drainage areas. Some streets and parking lots take on moving water as storm drains and retention ponds overflow. Driving conditions become hazardous. Some road and bridge closures. * TORNADO - LATEST LOCAL FORECAST: - Situation is somewhat favorable for tornadoes - THREAT TO LIFE AND PROPERTY THAT INCLUDES TYPICAL FORECAST UNCERTAINTY IN TRACK, SIZE AND INTENSITY: Potential for a few tornadoes - The tornado threat has remained nearly steady from the previous assessment. - PLAN: Emergency plans should include the potential for a few tornadoes. - PREPARE: If your shelter is particularly vulnerable to tornadoes, prepare to relocate to safe shelter before hazardous weather arrives. - ACT: If a tornado warning is issued, be ready to shelter quickly. - POTENTIAL IMPACTS: Limited - The occurrence of isolated tornadoes can hinder the execution of emergency plans during tropical events. - A few places may experience tornado damage, along with power and communications disruptions. - Locations could realize roofs peeled off buildings, chimneys toppled, mobile homes pushed off foundations or overturned, large tree tops and branches snapped off, shallow rooted trees knocked over, moving vehicles blown off roads, and small boats pulled from moorings. * FOR MORE INFORMATION: - http://scoem.suffolkcountyny.gov - https://weather.gov/nyc - https://ready.gov/hurricanes

New York Homeowners Won't Pay Deductible for Sandy Damage

LongIsland.com

Gov. Cuomo announced that homeowners who experienced damage from Hurricane Sandy will not be responsible to pay insurance deductibles.

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Following Hurricane Sandy Governor Cuomo announced that homeowners will not be responsible for insurance deductibles on claims for damage caused by the storm.  For many Long Island homeowners, this means savings in the thousands.

“Homeowners should not have to pay hurricane deductibles for damage caused by the storm,” the governor announced last week after the storm, following up with a warning that the state’s Department of Financial Services will be monitoring how insurers handle such claims.  According to the governor, because the storm did not sustain hurricane force winds when it made landfall in New York, costly hurricane deductibles for New York homeowners would not be triggered.
 
Typical insurance policies require homeowners to cover one to five percent of the home’s value as a hurricane deductible, which means that for a $300,000 home, a deductible could range from $3,000 to $15,000. 
 
“Every little thing that works in the favor of homeowners is a blessing. The devastation of this storm will be felt for weeks to come as people attempt to reclaim their lives. Having to pay exorbitant deductibles on top of the costs for personal loss would be adding salt to the wound,” said Nassau County Executive Ed Mangano.  
 
The superintendent of financial services, Brian Lawsky, said that the department’s mobile command center will be accessible in some of the hardest hit areas to answer questions regarding insurance claims.  The department has asked that homeowners file claims as promptly as possible, including policy numbers and photos or videos that document the extent of damage incurred.  
 
Homeowners can further protect themselves by keeping a log of all conversations between themselves and their insurers, including the agent’s name and the date and time the conversation took place.  
 
Flood damage claims should be filed independently through FEMA.
 
If you have any questions relating to your insurance claim following Hurricane Sandy, you can call the Department of Financial Services’ Disaster Hotline at 800-399-1759, and the office is open seven days a week.
 
The price tag for Sandy in New York alone is over $18 billion, and her destruction across the East Coast could total $50 billion.  
 
Check out our Post-Hurricane Guide to find useful resources in recovering from Hurricane Sandy.
 
 

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