John's Florida Real Estate Blog


Tropical Storm Gustav Passing Over Western Cuba and Heading Into the Gulf of Mexico

Gustavaug28 Tropical Storm Gustav is now a bit to the south of Cuba, and it appears that it will pass over the western section of that island. 5 day projections show it heading into the middle of the Gulf of Mexico and then, unfortunately, on towards New Orleans, Louisiana. As if they need more problems. Today, Thursday, August 28, it appears the path of the storm has moved more to the west and now appears to avoid the State of Florida. You can click on the image to the left to see the projected path, as of Thursday, August 28th.

Of course, 5 days is an eternity in weather time. Often we have seen the paths of these storms veer from the projections. However, it sounds pretty sure that once the storm gets over the warm water of the gulf, it will get stronger and may be a Level 3 Hurricane before it makes landfall somewhere in the United States or Mexico.

While it appears that this storm will pass Zephyrhills and the Tampa areas by, it will pay for residents of these zones to keep an eye on the storm as it marches westward. See the link in the next paragraph. Do be aware that if storm warnings or watches go up in Florida, property insurance underwriting on new policies will likely be suspended. Most contracts used by real estate professionals in Florida address this possibility. See your agent for more information.

Much of my information comes from the National Hurricane Center. They follow tropical depressions, tropical storms, and hurricanes from birth to death. It can be a useful site to visit. If you would like to try it out, click on the following link: I suggest you "bookmark it" or "make it a Favorite" for future reference if you live in an area that can be affected by tropical storms or hurricanes. You will find it interesting and helpful.

I invite you to also visit my webpage at: where you will find links to many interesting sites dealing with real estate. You are always welcome there.

I can also be contacted via e-mail at: or by phone at: 813-783-4444

John Elwell - REALTOR


Bill Nye Realty, Inc.


Licensed in Florida


Comment balloon 3 commentsJohn Elwell • August 27 2008 06:00PM


John, is the underwriting suspension only when you are under an official warning or watch?  In NOLA, as long as there is a storm anywhere in the Gulf of Mexico the insurers won't write.

Posted by Lisa Heindel, New Orleans Real Estate Broker (Crescent City Living LLC) over 11 years ago
Lisa, it is my understanding (and this could be because our whole state is a peninsula, which Louisiana is not) that there is a box around the state with its edges more or less outlining the state and its extensive coastal areas. Whenever, there is a watch or warning anywhere within this box, then the companies suspend underwriting, statewide as far as I know. Since your coast is basically limited to the southern edge of your state, it probably works differently there. And when a storm gets that far into the gulf, I suspect it can go about anywhere and that no doubt scares the insurers. I am pretty sure that once a storm leaves the box here and the National Weather Service takes down the watches or warnings for Florida, the insurers slowly begin writing new policies again. Knowing them, I am sure they wait until they are VERY sure. I usually check the Citizens Property Insurance site, the state's own insurance company where they post the status of underwriting. Right now they are writing. But if Gustav takes a turn to the north, and watches or warnings are issued, they will quickly suspend the creation of any new policies until the danger has passed..
Posted by John Elwell, You Deserve a Full-Time Agent, Not Reduced Results (CENTURY 21 Bill Nye Realty, Inc.) over 11 years ago

John, thanks for the explanation - it's always interesting to learn how the same risks are handled in other states.

Posted by Lisa Heindel, New Orleans Real Estate Broker (Crescent City Living LLC) over 11 years ago

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