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Hurricane Guidelines

Our Hurricane Guidelines are listed below as a reminder to all agents as we begin the 2022 Hurricane Season.

Agents may not bind coverage that includes a loss by wind or water on a new risk, or for an additional amount on an existing risk, when any designated tropical storm watch, hurricane watch, tropical storm warning or hurricane warning is in effect for the area in question. This temporary restriction would apply to property damage coverage that might exist in property forms or any other type of policy issued by Millers Mutual.

To specify what is meant by these terms, we will use the following standard definitions:

  • Hurricane Watch – A watch is issued by the National Weather Service when a hurricane threatens a definite area and time period.
  • Hurricane Warning – A warning is issued before hurricane conditions are expected or when the hurricane path changes quickly. The warning may be issued 18 hours or less before landfall.
  • Tropical Storm Watch – A watch is issued by the National Weather Service when a tropical storm or tropical storm conditions pose a threat to coastal areas – generally within 36 hours.
  • Tropical Storm Warning – A warning is issued when tropical storm conditions, including sustained winds within the range of 39 to 73 mph, are expected in a specified coastal area within 24 hours or less.

Binding authority on wind or water damage coverage will not be reinstated until 24 hours after a tropical storm watch, hurricane watch, tropical storm warning or hurricane warning is discontinued.

Finally, “telephone call binders” will not be accepted when a storm appears imminent. The binder must be mailed prior to the tropical storm watch, hurricane watch, tropical storm warning or hurricane warning.