Have you ever heard of a microburst? I sure hadn't until one of my fellow coworkers in this very office explained to me what they are. Naturally, I had to research them, and what I found is mind-boggling.
So if you're into weather speak and meteorology talk, then you'll be intrigued to hear that a microburst is just a bunch of sinking air. However, when this air sinks, it sends little tornadoes and strong winds just in that area.
Microbursts consist of three stages: contact, outburst, and cushion. The first stage is when the air descends from the clouds and to the ground, making contact. The second stage is when the air move aways (typically horizontally along the ground). The third stage is when the horizontal winds accelerate but the initial winds begin to slow down.
Regardless of which stage a microburst is, there will be very, very strong winds that have the ability to known down trees and buildings. And while hurricanes and other tropical storms can have both strong winds and heavy precipitation, microbursts are different. Why? Mostly because they can appear out of nowhere and are very difficult to predict.
Damage and Insurance
I just spent some time telling you how microbursts differ from any other storm. Now I am going to contradict myself and tell you the good news when it comes to insurance!
Even though microbursts are weird little storms that can really pack a punch, insurance covers for their damage. They are just like any other storm. Most of the damage caused by microbursts comes in the form of falling trees. To protect yourself against loss, make sure you have a wind policy that adequately covers your home's worth, especially if you live in a heavily wooded area.
For those "wet-microbursts" that come with a lot of flooding, only a flood policy can protect you from loss in the event of a flood. So, similar to the wind situation, as long as you have the appropriate policy, your insurance will cover you in case of a microburst. Hooray!
Microbursts in MA
Fortunately, microbursts are not that common. However, that doesn't mean that they do not occur. Recently, Agawam was faced with a microburst that caused lots of damage. For more information on that damage, click here.
Here is a video explaining microbursts and showing some of the severe damage these storms can cause.
If you have any other insurance questions about anything- home, auto, commercial, life- feel free to contact us at any time. Learn about homeowners coverage here.