Meteorologists are now predicting that early next week Hurricane Sandy will either pass close by or make a direct impact on New England. This storm is potentially huge, rivaling last year’s Hurricane Irene and the Perfect Storm of 1991.
- If you are closing on a property next week, you may want to consider pushing up the closing to before the hurricane makes landfall on early Tuesday. I realize that may not be possible at this point, but it’s worth a shot.
- If you have not secured a homeowner’s insurance policy, you should probably wait until the storm passes as most carriers will not write new policies right now.
- If you are closing on a purchase or refinance after the storm passes — and especially if the Federal Government declares a Federal Disaster Area –be prepared to have a re-inspection of the property before closing. A hurricane considered to be an Act of God and as a result the borrower will be required to pay for any re-inspection fee. These re-inspections range from $125 to $200. You will receive notice from your lender and re-disclosures prior to closing. This will also likely delay your closing
- If there is substantial damage to a home you are purchasing, you’ll have to look to your purchase and sale agreement as to whether you have a right to pull out of the deal or proceed, provided you get the benefit of any insurance proceeds.
Hurricane Safety Precautions & Information
- National Weather Service Hurricane Center
- FEMA Hurricane Center
- Massachusetts Emergency Management Agency (MEMA)
- Weather Channel Hurricane Central
- American Red Cross Hurricane App (iPhone & Android)
- Plan an evacuation route to the nearest shelter or “safe” area and keep a map handy. During emergencies, shelter locations will announced on the radio.
- Replenish emergency kits and supplies.
- Get lots of batteries and flashlights!
- Secure important documents from possible damage or move to a safe location.
- Develop a list of important phone numbers.
- Develop a plan to secure loose objects around the house; trim branches and trees.
- Ensure that your pets have collars and identification tags.
Secure all loose objects outdoors.
- Secure all windows using plywood.
- Fill your vehicle with fuel.
- Charge all batteries (i.e. phone, lamps, flashlights, radios, etc.)
- Listen to the emergency broadcasts of the storm.
- Be prepared to evacuate with emergency supplies to a predetermined location.
During the Hurricane:
Stay in doors and away from windows. Keep to the center of the building on the ground level.
- Listen to the emergency broadcast on the radio or television.
- Turn off all electrical devices and appliances that are not needed.
- Stay away from coastal waters, rivers, streams or other flooding areas.
- Do not try to cross flooded areas with your vehicle.
- Listen for instructions from emergency officials when the storm is over.
Emergency Supplies and Kits:
First aid kit and personal medications
- Drinking water
- Ice Chest
- Lighter, matches and candles
- Clothing, personal toiletries
- Sleeping bags and blankets
- Portable radio and flashlight
- Extra batteries
- Non-perishable foods
- Manual can opener
- Important documents
- Quiet games, books, or toys for children
Local Insurance Claims Numbers
|Acadia Insurance||(800) 691-4966|
|AIG (Global Energy)||(877) 743-7669|
|Chartis (formerly AIG) Private Client Group||888-760-9195|
|Andover Companies: Cambridge Mutual & Merrimack Mutual||(800) 225-0770|
|Chubb Group||(800) 252-4670|
|Fireman’s Fund||(888) 347-3428|
|Great American||(888) 882-3835|
|Guard Insurance Group||(888) 639-2567|
|Hanover Insurance||(800) 628-0250|
|Hartford Insurance||(800) 327-3636|
|Hingham Mutual (After hours claims)||(800) 972-5399|
|Mass. Property Insurance Underwriting||(800) 851-8978|
|Trident (After hours claims)||(800) 288-2502|
|Quincy Mutual||(800) 490-0047|
|Safety Insurance||(800) 951-2100|
|Selective Insurance||(866) 455-9969|
|Splash Program (Emergency Pollution related claims)||(866) 577-5274|
|Splash Program (Emergency Non-Pollution related claims)||(800) 746-3835|
|Utica National||(800) 216-1420|
|Vermont Mutual (After hours claims)||(800) 445-2330|