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"Nothing is so exhilarating as to be shot at and missed!" Winston Churchill cabled back to England when he was a war correspondent covering the Boer war. The same could be said for hurricanes. Thanks to the late date, resultling in cooler Gulf waters, and upper wind shear, the winds were much less than they could have been. However, as with most tropical storms and depressions, most of the damage is done by flooding,often miles inland from the coast. Unfortunately some homeowners are going to suffer flooding and find that their Homeowners Insurance does not cover flooding even when that flooding is caused by a named windstorm. I have posted earlier blogs on this site as to how to obtain low cost flood insurance through the National Flood Insurance Program (NFIP) which is a government funded policy. If you suffered flooding, or even if you escaped this time, I urge you to look into obtaining flood insurance. History has shown that flooding occurs anytime throughout the year, not just during Hurricane season or near the Gulf Coast.

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