It turns out the "Isaac" remnants in the Gulf of Mexico will get renamed....if it again becomes a tropical cylcone. I guess one could call it the sister of "Isaac" -- "Nadine". Here's the explanation courtesy the National Hurricane Center:
"Our analysis of the satellite, surface, and lower-tropospheric radiosonde data suggested that the disturbance we're currently following originated within Isaac's broad circulation, but that it had its own surface pressure minimum distinct from Isaac's. This was perhaps most apparent late in the day on Monday, when the residual surface center of Isaac was located over western Kentucky while a second weak low was located over northern Mississippi and Alabama. Isaac's circulation continued to weaken after that and became difficult to track, while the new disturbance moved slowly toward the Gulf coast. So what basically happened here is that a little piece of Isaac broke away and moved south.
OK, now everybody get your lawyer and grammar hats on. The National Weather Service rule that applies here reads: "if the remnant of a tropical cyclone redevelops into a tropical cyclone, it is assigned its original number or name".
Notice the rule says "the" remnant, and not "a" remnant. This means that the storm's primary remnant (and not just any old part of it) has to re-develop in order for the name to be retained. Since the primary remnant of Isaac was still in Kentucky when the new low formed and broke away, the rule dictates that the new low is not entitled to the name Isaac.
This rule actually makes a lot of sense. If a storm died and each of two parts re-developed, we couldn't give the same name to both parts. Only the primary remnant would retain the name, while a lesser remnant or part would get a new name."
It doesn't look like the system will be able to become very strong, but the low needs to be watched. Looks like the low will move over Central or N. Fl. bringing plenty of tropical moisture. That alone could result in heavy rain. But there will also be a strong upper level trough moving into the Eastern U.S. that will drop a surface cold front into Fl. Sunday. All of this should combine for on-&-off storms Sat. & Sun. While a few severe storms will be possible, heavy rain looks to be the primary concern.
Meanwhile...the large circulation of "Leslie" is sending an easterly swell to our beaches despite the center being 1,000+ miles away! Dangerous rip currents will continue at First Coast beaches through at least Fri.
"Michael" (not Buresh!) has joined the hurricane ranks. The 7th hurricane of the Atlantic season will stay over open water in the Central & North Atlantic.
A book has been written about flood insurance guidelines:
FLA. -- As Hurricane Isaac Florida crashed through the Gulf Coast, the Law Office of Samuel W. Bearman was bracing for the waves of unhappy property owners sure to be battling their insurance companies over frustrating, confusing policies. Bearman is offering advice to home, business and boat owners for weathering insurance adjusters in the aftermath and what their next steps are in this hurricane season, lwadleybearmanlaw.com.
“So many people get so confused whenever they have to deal with flood insurance and flood claims,” said Bearman, co-author with Dennis Abbott the book, Your Guide to Handling Flood Insurance Claims. "Flood insurance is the ultimate insurance paradox. There are thousands of flood insurance policies, but very few people understand them."
“If your Florida property was damaged as the result of a hurricane, your insurance adjuster might refuse to pay for the extent of the damages; deny that damages qualified for the kind of coverage you held; and of course a flood adjuster blames the damage on wind, while a wind adjuster blames the damage on flood,” Bearman writes in Flood Insurance Claims.
Hurricane damage claims can be complicated because, in a hurricane, damage can come from multiple sources including: wind, flood, loss of electricity and power surges.
Be proactive now:
Apply for a wind inspection through the My Safe Florida Home program.
Follow the preparedness advice supplied by the Florida Division of Emergency Management.
In the event of a Florida hurricane, you may also qualify for FEMA disaster assistance in addition to your insurance coverage.
Not too late to insure for this season: There is a standard thirty (30) day waiting period for new applications and for endorsements to increase coverage. Sometimes the effective date of coverage is critical especially if coverage is being purchased in anticipation of hurricane season or seasonal flooding. There are two administrative guidelines which apply to the commencement of the thirty (30) day waiting period.
Policies can cover loss avoidance measures include efforts to protect the insured building from a flood and to move insured property from the insured location to protect it from flood. All three policy forms will pay up to $1,000.00 for the cost of sand bags, fill, pumps, and plastic sheeting used to protect the insured building from flood.
Flood damage is the most common natural disaster in the United States with roughly 25-percent of flood claims filed in moderate to low risk areas. Bearman’s firm has handled flood claims in Northwest Florida from our office in Pensacola, as well as those from Texas, Tennessee, Florida, Georgia, Alabama, and Mississippi. Millions of dollars have been collected for families who have been victimized by flooding.
Demystifying insurance policies
There are probably more flood insurance claims every year than any other type of insurance claim, but few attorneys know how to handle them.
Samuel Bearman and Dennis Abbott have written a book to minimize the paradox by providing an explanation about flood insurance and the handling of a claim. A person reading and understanding this book should be able to handle a flood insurance claim, whether that person is the insured or an attorney for the insured. The authors know of no book about flood insurance, other than federal government manuals, and they hope that this book makes flood insurance easy to understand, "Your Guide to Handling Flood Insurance Claims."
Seasonal flooding along rivers and streams and tidal surge and waves associated with hurricanes have caused billions of dollars of property damage in recent years. Damages caused by flooding are commonly excluded from coverage under wind and homeowner’s policies.
However, the National Flood Insurance Program (NFIP) is a federal program that allows property owners to purchase insurance protection against losses from flooding. Congress established the NFIP with the passage of the National Flood Insurance Act (NFIA) in 1968.
Tips and Warnings
Did you know the big insurance companies take very detailed satellite photos of the entire area expected to be hit by the hurricane- before the hurricane? They are trying to prevent and catch Hurricane Insurance Fraud, noting the conditions of some roofs as regards extensive missing tiles, playground equipment, satellite dishes, RV's, etc.
· When you meet with your insurance company representative, take notes.
While an insurance company adjuster will contact you as soon as possible, priority is given to the most severe losses. Be aware that your larger claims may be settled in stages, not all at once.
· Secure repair estimates (at least two) for the adjuster to review. This will help them with the settlement process.
· Take pictures of the damaged property. Also, if you have pictures of the property before the damage, give copies of those to the adjuster as well.
· Make a list of all damaged property, including a description, age, original cost, place of purchase, and estimated replacement cost. If you have any receipts or canceled checks for the items, include them with the list.
· Try to prevent further damage - securing property, temporarily boarding windows and roof, drying out carpets and personal property, and so on. If further damage results after the hurricane, it may not be covered.
· Do not begin any permanent repairs or dispose of any damaged property until an adjuster has been able to see the damage. In the case of perishable items, such as food that must be disposed of, take pictures of that property to substantiate the claim. If you don't have pictures as proof, damages may not be covered.
· Keep all receipts for emergency repairs and items that might qualify under additional living expenses; for example, water, ice, and rental charges for another location, if your home is uninhabitable.
More crepuscular rays.....the photo below was taken by my daughter. The message attached to the email she sent me: "put on tv".