The official Hurricane Season is from June 1st through November 30th. The guidelines are in effect not
only during the normal season, but whenever a threat is present.
COMMERCIAL LINES:
Since there is no binding authority of commercial without authority from IBGA, you should contact a Commercial Underwriter if you have any questions.
AMERICAN RELIABLE:
During periods of hurricane and/or tropical storm activity, the following restrictions apply:
- No new business may be written when any hurricane is within the area of 65 degrees West and 100 degrees West Meridians and 15 degrees North and 37 degrees North Parallels.
- No new business may be written when any tropical storm is within the area of 75 degrees West and 100 degrees West Meridians and 20 degrees North and 37 degrees North Parallels.
No endorsement or renewal will be issued which has the effect of increasing limits while a hurricane or tropical storm is within the above quadrants.
LLOYD’S OF LONDON:
During periods of hurricane and/or tropical storm activity, the following restrictions apply:
- No new business may be written when any hurricane is between the 65 degrees West and the 100 degrees West Meridians and 15 degrees North and 40 degrees North Parallels.
- No new business may be written when any tropical storm is between the 75 degrees West and 100 degrees West Meridians and 20 degrees North and 40 degrees North Parallels.
No endorsement or renewal will be issued which has the effect of increasing limits while a hurricane or tropical storm is within the above quadrants.
A “Hurricane Watch” is usually issued when a storm is about 24 to 48 hours away from the coastline.
The U.S. Weather Bureau will then follow this with a “Hurricane Warning” when the storm is 12 to 24 hours away.
Most restrictions indicated in this bulletin shall be removed when the insurance company approves doing so.
Renewals of expiring policies may be written, provided there is no increase or lapse in coverage provided.