Do you take the hurricane vacation insurance?

Bunches of friends were at the beach this weekend when Tropical Storm Beryl dumped rain and apparently a lot of blowing sand on families trying to enjoy the beach.

From the AP:

“SAVANNAH, Ga. (AP) — The remains of Tropical Storm Beryl soaked beach vacations and some Memorial Day remembrance services in southern Georgia and northern Florida on Monday and knocked out power to tens of thousands, though emergency officials said it hasn’t brought any major damage.”

“The storm made landfall just after midnight Monday near Jacksonville Beach in Florida with near-hurricane-strength winds of 70 mph (113 kph), according to the National Hurricane Center. Sustained winds had died down to about 35 mph (55 kph), leading forecasters to downgrade the storm to a tropical depression and cancel all warnings and watches less than 11 hours after it made land….”

Beryl is just the start of Hurricane season on the Atlantic coast, which runs from May 15 to Nov. 30, and I am wondering how concerned are you when you plan your family vacations during this time? Do you even think about the possibility of hurricanes hitting? Do you try to go to beaches where they traditionally haven’t hit in the past? And the big question:

Do you take the trip insurance that covers you in case a hurricane hits and you have to be evacuated? (I believe that usually it doesn’t just cover the threat of a storm. Usually you have to go and be evacuated to get your money back.)

I don’t think we have ever taken the hurricane insurance. I’ve always felt pretty safe going to Hilton Head. The few times we went to Wilmington, N.C., I worried more. We were there one time when a storm was down the coast a little way and the water was too choppy to even go in. (But insurance wouldn’t have helped that.)

This weeks is Hurricane Preparedness Week and the National Weather Service Hurricane Center has a lot of information for you on its web site –  including You Tube videos for each day of the week.

There is a kids’ site as well.

Are you thinking at all about hurricanes when you plan your summer vacations? Are you taking the hurricane insurance? Do you know what to do in case of a hurricane while at your beach condo?

25 comments Add your comment

motherjanegoose

May 29th, 2012
7:21 am

shaggy

May 29th, 2012
7:59 am

Waste of money. Hurricanes have never been recorded in the Grand Tetons. If I even consider going to the beach, and don’t get me wrong…I like the beach…I would actually welcome a hurricane for something wild and crazy to do.

We did a trip to Cumberland Island to camp, and a tropical storm was in full bloom…tides, wind, and rain were raging. For some reason, my sweetie didn’t want to go and camp during the storm. After some pretty intense arguments, where she threatened to throw me off of the ferry, with weights tied on, and testicles removed, we compromised to just stay the day. We left all of the gear, steaks, beer…lots of beer, in two wagons loaded for a helluva week at the room that we had rented as a base camp for the trip after the planned trip. We went for the day, and it was beautiful. The storm had given the island an even more pristine, primitive feel. Guess what my beautiful wife had to say. “We really should have brought the gear and stayed the week.” In order to supress huge gurgling screams, I had to race madly to the coolers left behind, demand that she drive, while I worked out, with my little 12 ounce dumbells.
We ended up having a great trip after all, but I still wonder what riding out the storm on the island would have been like…very little civilization, just nature’s beautiful, stimulating, fury, and then, there would be the storm to deal with too.

Becky

May 29th, 2012
8:34 am

Tinkerballa

May 29th, 2012
8:40 am

OMG_MJG!

May 29th, 2012
8:43 am

No,

Also: You can’t stop me, you can only hope to contain me.

BlondeHoney

May 29th, 2012
8:46 am

FCM

May 29th, 2012
8:53 am

Are you thinking at all about hurricanes when you plan your summer vacations? Not really. Then again we seldom know for sure a hurricane is going happen (the chance sure), when I start planning/booking vacation in March or April.

Are you taking the hurricane insurance? No. I do only book where I can get my money back if I cancel with in “x” number of days. This year it was 5 days before…and I did cancel due to other issues here at home but not weather.

Do you know what to do in case of a hurricane while at your beach condo? I would likely just head home if it was such that I thought we would be in danger.

A

May 29th, 2012
9:00 am

Another “No” here, but then we only do one long weekend at the beach each summer, so I’d be surprised if we were ever affected. Our other, longer summer trip is usually to a big city (and not in Florida), so hurricanes are not a concern.

Augusta

May 29th, 2012
9:18 am

NO!!!!!

Actually, we did once. On our very first cruise, it was HIGHLY recommended. We were rookies at the crusing thing, so we thought why not? It sounded good at the time, since we were planning the cruise in March for a July trip to the Caribbean…

DB

May 29th, 2012
9:53 am

Nope, not at all. Most of the really strong hurricanes don’t really hit until mid-August through September, and with school starting in early August around here, it just wasn’t something we worried about. Of all the major hurricanes to hit Florida, ALL of them, except Dennis in 2005, were in August and September.

Plus, we used to live in South Florida, so hurricanes and tropical storms were just how we rolled — we rotated food and water on store, paid up on our flood insurance, put up the hurricane shutters and hoped for the best.

DB

May 29th, 2012
9:57 am

@shaggy: Umm . . . waiting out a tropical storm in a tent is borderline insane. No matter how tight you think you have those tents pegged, they are NOTHING compared to gusts of 90 mph wind. Yes, it’s fresh, clean and wiped clear AFTERWARDS — but DURING? Not to mention tidal surges on an island . . . Oh, hell no . . .

TXMom

May 29th, 2012
10:36 am

The only time we did was when we were going on a cruise in September. Actually had to use it, too, thanks to Frances. However, the cruise line still tried to finagle out of giving us our money back. Had to threaten to sue them before it was actually returned to us.

HB

May 29th, 2012
11:07 am

Shaggy, the only evacuations I heard about this past weekend were the Cumberland Island campsites — NPS sent them packing.

shaggy

May 29th, 2012
11:40 am

DB – I am borderline insane, so I have been told. Ms. shaggy knows me to be completely insane, but she always smiles and laughs in the end. She tells me that she feels safest when she is with me, and that if things go bad in the world, she will be OK, because she has a large Boy Scout for a soulmate. It is my intention to keep her safe, smiling, and laughing until the end of time. Is that really so bad?

HB – Your point? Since Beryl is not the tropical storm that I wrote about. That one happened years ago. I might be crazy, but I am not insane…uhhh..I might be insane, but I am not crazy, errrrrr…you get it, right?

Techmom

May 29th, 2012
12:06 pm

We’ve only bought the trip insurance for a trip we had planned to the Caribbean in September. Peak hurricane season. The insurance covered any reason we may not be able to go and included extra medical insurance. The flights were non-refundable as well so that was one of the main reasons we bought it. If we were just going to US coast, I would not have bought it.

BlondeHoney

May 29th, 2012
12:09 pm

@ DB, exactly…I grew up in South Florida as well & that’s exactly how we rolled. Always have your hurricane kit ready to go at the start of the season(btw, not May 15th, season starts June 1st), stocking up on canned goods and water, fill the gas tank and hunker down.

Theresa Walsh Giarrusso

May 29th, 2012
12:10 pm

OMG — You played nice for such a long time but lately you’ve had multiple infractions — not just to MJG. I sent my boss your history yesterday and he was fine with me banning you. I banned two of your IP addresses yesterday and I can keep going. It takes mere seconds. If you want to play on the blog as your former self who was sometimes a voice of reason, we can try it out. But I’m not going to let you attack other community members or be gross or use potty language.

Theresa Walsh Giarrusso

May 29th, 2012
12:11 pm

Blonde honey — I wonder if they changed the start of the season. I pulled that directly from national weather center’s site. Another article said they have had two named storms so far this year before June 1.

HB

May 29th, 2012
12:16 pm

No point really. Just thought you might be interested to know NPS didn’t let anyone ride this one out in a tent. Made me chuckle when I heard it on national news — who would be crazy enough to camp out through a T.S.?!

Theresa Walsh Giarrusso

May 29th, 2012
12:18 pm

tech mom — now that you say that I think we did have insurance for our cruise for our 10 year anniversary — but I think I was more worried about medical in a foreign country than the hurricanes but I think it did cover both.

DB

May 29th, 2012
12:31 pm

@TWG: *clap, clap, clap* Thank you!

Penguinmom

May 29th, 2012
12:37 pm

From the NHC website: “Hurricane season in the Atlantic begins June 1st and ends November 30th. The Eastern Pacific hurricane season begins May 15th and also ends November 30th.”

I wouldn’t take out insurance, most hurricanes are not a surprise since they often come off the coast of Africa and have to come all the way here. If there was a pop-up one that caused the area to be evacuated, I’d just be happy to be safe not worrying much about losing some vacation money. I’d be more upset about it ruining my vacation by being stormy/windy but doesn’t sound like insurance covers that so no reason to purchase it.

justmy2cents

May 29th, 2012
12:44 pm

We buy “cancel for any reason” trip insurance, as we do travel during hurricane season. The resort we go to has their own, more than generous hurricane cancellation policy, so we are completely covered. We already have a trip booked for this summer and one for Sept. 2013, so you never know what could come up emergency wise in the meantime.

shaggy

May 29th, 2012
3:55 pm

HB –

“who would be crazy enough to camp out through a T.S.?!”

Someone that is borderline insane :0)
I’ve done calculated crazy stuff all of my life, and contrary to popular belief, I do like my life…like hanging from a itty bitty rope, fastened to a little miracle piece of metal, jammed into a crack in some rock,,,a little miracle piece of metal that I didn’t attach myself…with 1200 feet of nothing under my feet. You can’t lead an adventursome life from the couch…I don’t even have a couch. I have a love seat :0)

Bellean

May 31st, 2012
4:19 am

Waylande Gregory
I would have kept that chair as well! She is a beauty! I love the vintage chesterfield also! Iv’e had my eyes peeled for a while now, no dice so far.