Get the Hurricane Facts

There's a 100% chance this hurricane season will be unlike any other. Don't let your unanswered questions prevent you from being prepared.


Personal Coverage


You should unplug your appliances?


Appliances and electrical devices should be unplugged before the onset of a storm to prevent
damage to appliances from power surges. The use of surge protectors is also highly recommended.

It is a good idea to have your roof checked, after a hurricane season?


It’s important to have your roof checked prior to hurricane season to ensure that it is safe and ready to brave the weather of the season and after any storm or hurricane to look for any cracks or damage. 


You should crack open the leeside window?


It has always been common practice in Bermuda to open a leeside window during a hurricane in an effort to equalize pressure and minimize damage to the home. There is, however, no scientific evidence to substantiate this practice. In fact, the National Weather Service advises that permanent storm shutters offer the best protection for windows with boarding up windows to protect them from high winds and flying debris being an alternative approach.

My furniture is covered by my landlord’s policy, right?


Your landlord likely has a building insurance policy which covers the building structure, fittings and fixtures (eg. walls, floor ceilings and cabinetry). Your furniture is your own personal property and as such, you would need to personally obtain a home contents insurance policy to ensure that furniture and other personal possessions such as clothing, electronics, etc. are insured.


If I make a claim, my home contents insurance premium will increase?


Your home contents insurance premium is not calculated in the same manner as an auto policy and therefore a “No Claims Discount” (NCD) would not be applicable. Insurance rates are calculated based on other factors including market rate fluctuations.


Travel Coverage


I’ll be travelling during hurricane season. It’s ok to take out a travel policy the day of my travel, right?


Although there is no specific time limit for taking out travel insurance on a per trip basis, it is recommended that you not leave buying cover too late as insurance companies typically stop accepting new business when a hurricane is imminent. Travel insurance can also be obtained as an annual policy for all of your travel throughout the year.


Marine Coverage


My boat is comprehensively insured, so it should be fine in the water during a hurricane?

As a boat owner, you must ensure that your mooring certificate is up-to-date and that your mooring has been approved by your insurance company for storm cover. If your mooring is not storm approved, the schedule of your policy will include any imposed restrictions ..

Before a hurricane, I need to take my boat out of the water?

Taking your boat out of the water may be a requirement of your policy if the mooring is not storm approved, or just a good idea to help reduce major damage to your vessel.article,

If I take my boat out of the water during a hurricane I will get a refund?

You must take reasonable precautions to prevent damage to your property at all times and there is no no discount available for doing so. However boats that are taken out of the water for several months are eligible for a reduction in premium.


Motor Coverage


I insure my car on an annual basis – so I’m covered for hurricanes?

A comprehensive policy provides coverage for damage to your vehicle including damage sustained as a result of a hurricane less any applicable deductible.

Third party cover does not provide any cover for any damage to your vehicle including hurricane damage.

Due to a history of flooding, hurricane/storm damage to cars is not covered when they are parked in the airport parking lots after notification of a named storm and within 72 hours prior to the storm affecting Bermuda

To protect my bike, I need to bring it inside during a hurricane?

You must take reasonable precautions to prevent damage to your property. Prior to a hurricane, it would be prudent to move your bike to the garage or to an area outside your home which enjoys some protection from the elements. A comprehensive policy will cover your bike for hurricane damage less any applicable deductible. We do not recommend that you bring or any item with a vessel for gasoline (eg. generator) inside your home.

The above advice has been compiled from our experience of previous storms and has proved helpful in the past. However, every storm is different and every resident faces different issues. If any damage is suffered during a severe storm, even after following this advice, Argus is only responsible to the extent provided in any policy issued to the injured party. Likewise, if there was advice that could have been included in this advisory and was not, Argus is only responsible for any damage incurred due to a severe storm to the extent provided in any policy issued to the injured party. Under no circumstances does Argus accept any liability of any kind suffered by any person who may rely upon this advice but who does not hold a policy of insurance issued by Argus in respect of windstorm perils.