Preparing for Weddings & Hurricane Season


When Wedding Season and Hurricane Season Align

Weddings happen all year, but roughly 70% occur in the summer and fall between May and October. About 40% of wedding are planned during the later months of September and October.

Atlantic hurricane season is considered to last from June 1 to November 30.  This window of time is when tropical storms are most likely to form.  The highest levels of activity are from late August to late September.  Tropical activity drops notably in October and November as the difference between air temperature and ocean surface temperature reduces.

Tropical storms do not always form close enough to make landfall, but the possibility exists between June and November.  Based on weather records dating back to the 1950s, on average, 1 to 2 hurricanes (1.75 hurricanes) make landfall on the US East coast every year.  Of those, 16 percent make landfall in North Carolina.  That’s about a fourth of a hurricane (.28 hurricanes) per year on average.

Take that .28 chance for the year and break it down to the Friday, Saturday or Sunday that you’re likely to have a wedding on, and your odds of direct impact are reduced to 3/1000 (0.003) per weekend day in a season. Highly unlikely.  But, because we know you’re gonna ask…

What if MY DAY is in the 3/1000?!

If your coastal North Carolina wedding is planned during hurricane season and you’re concerned it may be impacted by weather or other unplanned events, there are steps you can take to reduce costs, stress and headaches.  Here are a few pointers to get you started:

  1. Create an Plan for Emergencies.
    Outline what will need to happen and who will be responsible for each area if you have to reschedule your wedding. Make sure you and other key planners have a copy.
  2. Include a Communications Plan.
    Make sure everyone, including guests, are quickly and efficiently notified of updates and any changes, should they become necessary.
  3. Consider Wedding Insurance. (link to insurance article on ADC)
    Most basic policies cover loss of photos, videos, attire, gifts, wedding rings (not engagement rings), and vendor deposits. They can also cover liability, expenses due to changes from weather events, vendor no-shows, injury, sickness, or deployment. Learn more about wedding insurance here. (link to insurance article on ADC)
  4. Consider Travel Insurance.
    If you or your guests are traveling to the wedding, travel insurance can offer coverage for trip cancellation and interruption, trip delay and lost luggage as well as medical evacuations. In addition, travel insurance provides coverage for each traveler’s baggage and personal belongings, so if something does get lost, replacement items are covered, even in the short term. Many travel insurance plans also come with 24/7 travel assistance services that can help travelers re-book flights and hotels, track lost luggage, assistance emergency medical coordination and much more. Talk to your
  5. Monitor the Situation, but Don’t Panic.
    Check the weather around your big day and watch it if there is a threat of tropical storm activity. Your venue and local weather authorities issue updates and alerts in advance, so you should be able to monitor the situation and make decision based on their recommendations and the developing weather pattern.

A wedding requires a lot of planning.  You plan for colors, themes, venues, cakes, caterers, flowers, music and more!  You’re coordinating tons of details, details, details!  A few minutes to learn about insurance and obtain the right coverage safeguards your financial investment and the weeks (or months) of planning you’ve done.

Remember every wedding is different and so is every insurance policy. Get quotes from providers, read the fine print, and be confident you understand the policy you choose.

You’ve planned the day.  You’ve planned the honeymoon.  You’ve insured both. Now you’re ready for ANYTHING!

So, relax and enjoy your coastal Carolina wedding!


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