The Official Start of Atlantic Hurricane Season is Here - Are You Prepared And Protected?

June 28, 2018


Contact: Judith Watters, Consumer Outreach Specialist


Augusta -

Days before the official start of the Atlantic hurricane season, which runs from June 1 to November 30, the first named storm "Alberto" made landfall, bringing heavy rains, strong winds, downed trees and flooding from Florida to the Great Lakes.

"This is a good time for Maine residents to assess their vulnerability to strong storms," said Eric Cioppa, Maine's Superintendent of Insurance. "Whether you own a home or are renting, talk with your agent about whether you need flood insurance."

Many people assume that their basic homeowners insurance policy will cover damage from flooding, but that's not the case; flood coverage must be purchased separately.

Mortgage lenders usually require homes in flood zones to have flood coverage, but it's usually an optional purchase for all others. People outside of mapped flood zones should consider their risk as well. According to the Federal Emergency Management Agency (FEMA), 20 percent of flood claims are filed by property owners outside of flood zones.

Maine residents are urged to take steps to protect their homes, investments and families. The following resources provide initial guidance.

Flood Insurance: Details are available from FEMA's National Flood Insurance Program (NFIP) by calling 1-800-427-4661 or online at

Inventory Checklist: A checklist can be helpful in establishing an insurance claim. Start one at and keep a hard copy in a secure location away from your home, with insurance policies, medical records, and other important documents.

Emergency Preparedness: For information about preparing yourself and family for emergency situations, such as floods, storms, power outages and home fires, visit The Maine Emergency Management Agency (MEMA) provides Maine specific information at

The Bureau of Insurance is part of the Department of Professional and Financial Regulation. Consumers can reach the Bureau at; by calling 800-300-5000 in state; or by writing to Bureau of Insurance, 34 State House Station, Augusta ME 04333.

Last Updated: September 14, 2018 5:39 PM