Don't Underestimate Quiet

Posted by on 6/18/2015
Don't Underestimate Quiet

Many sources are predicting that it will be a quiet season with no major catastrophic storms this year.  Tropical Depression Bill, however, is making a significant impact on multiple states including Arkansas, Oklahoma, Kansas, Missouri, Louisiana, and continues to effect Texas.  Bill is going to bring additional heavy rains leading to flash floods and possibly isolated tornadoes with its winds throughout these states.  According to The Weather Channel, “Bill has a very healthy inner core for an inland tropical cyclone, and it is expected to remain a tropical depression through early Saturday before degenerating into a remnant low.”  Bill is the perfect example that quiet does not mean uneventful.

Storms are measured and categorized by their winds, as seen in the Saffir-Simpson Hurricane Wind Scale below.  Like Bill, it is not always the wind speeds that cause devastation.  Several tropical storms have left their mark by dropping up to 2 feet of rain within a 48 hour period.  It doesn’t always take a named hurricane to cause catastrophic damage.

There are many storm types that call adjusters to action.  Is there really ever a quiet season in the catastrophe insurance field?

Saffir-Simpson Hurricane Wind Scale

Tropical Storm

Winds 39-73 mph

Minimal damage

Category 1

Winds 74-95 mph (64-82 kt)

Minor damage to roofs, vinyl siding, gutters

Category 2

Winds 96-110 mph (83-95 kt)

Mild damage to roofs, windows, trees blown down

Category 3

Winds 111-129 mph (96-112 kt)

Major damage all the way to roof decking

Category 4

Winds 130-156 mph (113-136 kt)

Severe damage to roof and home structure

Category 5

Winds 157+ mph (137+ kt)

Catastrophic damage with homes destroyed


See what each category looks like in this video from The Weather Channel

Wiltgen, Nick, Jonathan Erdman, and Chris Dolce. "Tropical Storm Bill Makes Landfall; Major Flood Threat For Texas, Oklahoma, Ozarks (FORECAST)." The Weather Channel. N.p., 18 June 2015. Web. 18 June 2015.

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