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  • Shayna Weinstein gets a hug from her dad, Andy Weinstein,...

    Cloe Poisson, Hartford Courant

    Shayna Weinstein gets a hug from her dad, Andy Weinstein, as they prepare to leave what's left of their summer cottage (at left) on Cosey Beach in East Haven, that was destroyed by Tropical Storm Irene on Sunday. The storm, which completely flattened the house, struck on Shayna's 16th birthday. "It's the worst birthday I've ever had," she said. The Weinsteins live in Woodbridge.

  • Captain Justin McVicker, lifeguard, Brevard County Fire Ocean Rescue waers...

    RED HUBER, ORLANDO SENTINEL

    Captain Justin McVicker, lifeguard, Brevard County Fire Ocean Rescue waers clothing to protect him from blowing sand Thursday, August 25, 2011 from effects of Hurricane Irene.

  • A beach-goer checks out the massive waves crashing into the...

    Joe Burbank, Orlando Sentinel

    A beach-goer checks out the massive waves crashing into the jetty at Ponce Inlet, Fla., Friday, August 26, 2011, as Hurricane Irene brings huge surf and strong winds to Florida's central coast.

  • A worker removes panels from one of the Luna Park...

    TIMOTHY A. CLARY, AFP/Getty Images

    A worker removes panels from one of the Luna Park amusement rides at Coney Island on Aug. 26, 2011 in New York as people prepare for Hurricane Irene. Millions of people on the U.S. east coast braced for the hurricane, a massive storm officials fear will cause widespread flooding and dangerous conditions up the seaboard. Officials from North Carolina to New York declared states of emergency as tens of thousands of the most vulnerable residents were ordered to higher ground as Irene raced toward the U.S. mainland.

  • People walk on a battered beach in Nagua on August...

    ERIKA SANTELICES, AFP/Getty Images

    People walk on a battered beach in Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction.

  • Tropical Storm Irene's fury is evident in this house on...

    Cloe Poisson, Hartford Courant

    Tropical Storm Irene's fury is evident in this house on Cosey Beach in East Haven. The storm ripped off part of the bottom floor and exposed an upstairs bedroom.

  • A woman and her son wade through the water in...

    ERIKA SANTELICES, AFP/Getty Images

    A woman and her son wade through the water in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11000 people were evacuated and placed in shelters or private homes.

  • Shayna Weinstein gets a hug from her dad, Andy Weinstein,...

    Cloe Poisson, Hartford Courant

    Shayna Weinstein gets a hug from her dad, Andy Weinstein, as they mourn the loss of their summer cottage (at right in background) on Cosey Beach in East Haven, that was destroyed by Tropical Storm Irene on Sunday. The storm, which completely flattened the house, struck on Shayna's 16th birthday. "It's the worst birthday I've ever had," she said. The Weinsteins live in Woodbridge.

  • A worker removes panels from one of the Luna Park...

    TIMOTHY A. CLARY, AFP/Getty Images

    A worker removes panels from one of the Luna Park amusement rides at Coney Island on Aug. 26, 2011 in New York as people prepare for Hurricane Irene. Millions of people on the U.S. east coast braced for the hurricane, a massive storm officials fear will cause widespread flooding and dangerous conditions up the seaboard. Officials from North Carolina to New York declared states of emergency as tens of thousands of the most vulnerable residents were ordered to higher ground as Irene raced toward the U.S. mainland.

  • A person walks down a street in Brooklyn during heavy...

    Spencer Platt/Getty Images

    A person walks down a street in Brooklyn during heavy rain and winds on Aug. 28 in New York City.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier.

  • A girl walks along a beach carpeted with debris in...

    ERIKA SANTELICES, AFP/Getty Images

    A girl walks along a beach carpeted with debris in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11,000 people were evacuated and placed in shelters or private homes.

  • Senior hurricane specialist Lixion Avila studies computer models as he...

    Joe Raedle, Getty Images

    Senior hurricane specialist Lixion Avila studies computer models as he tracks Hurricane Irene at the National Hurricane Center in Miami. Irene is the first hurricane of the 2011 Atlantic season with winds at 80 mph and it might hit the East Coast later this week with higher winds projected.

  • Russell Bauer ties down his trunk after buying a portable...

    STEVE NESIUS, REUTERS

    Russell Bauer ties down his trunk after buying a portable generator as he prepares for the expected landfall of Hurricane Irene in Morehead City, North Carolina Aug. 26, 2011.

  • Captain Scott Dowling, Volusia County Beach Patrol drags a speed...

    Red Huber, Orlando Sentinel

    Captain Scott Dowling, Volusia County Beach Patrol drags a speed limit sign out of the water as high tide approaches Daytona Beach. look at what might happen to Central florida Beaches as Hurricane Irene passes by.

  • In this handout GOES-13 satellite image provided by the NASA,...

    NASA, Getty Images

    In this handout GOES-13 satellite image provided by the NASA, Hurricane Irene churns on August 25, 2011 in the Caribbean Sea. Irene, now a Category 3 storm with winds of 115 miles per hour, is projected to become Category 4 storm as it moves toward the eastern seaboard of the U.S.

  • Raging waves batter against the shore in the seafront in...

    ERIKA SANTELICES, AFP/Getty Images

    Raging waves batter against the shore in the seafront in Santo Domingo, Dominican Republic, on August 23, 2011, after the passage of Hurricane Irene. Hurricane Irene was downgraded on Tuesday as it lashed the Turks and Caicos Islands in the Caribbean, but forecasters warned it could still regain power as it approaches the U.S. mainland.

  • Dave Calderoni helps to clean up Sanditz Travel in the...

    Patrick Raycraft, Hartford Courant

    Dave Calderoni helps to clean up Sanditz Travel in the Forestville section of Bristol. Flood waters have quickly receded along East Main Street. Clean-up efforts statewide are underway in the aftermath of Tropical Storm Irene.

  • A woman watches from a beach in Santo Domingo on...

    ERIKA SANTELICES, AFP/Getty Images

    A woman watches from a beach in Santo Domingo on August 22, 2011, while the country waits for the imminent arrival of Hurricane Irene in the northern coast. Hurricane Irene is moving towards the island of Hispaniola putting the Dominican Republic on high alert, as the newly-strengthened Hurricane bore down on the Caribbean country, bringing gale-force winds and pounding rain.

  • A girl stands on the front door of her house...

    ERIKA SANTELICES, AFP/Getty Images

    A girl stands on the front door of her house in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11000 people were evacuated and placed in shelters or private homes.

  • Friends watch as a man slides in the puddles from...

    Brendan McDermid, Reuters

    Friends watch as a man slides in the puddles from the rain of Hurricane Irene in New York's Times Square.

  • National Park Service Ranger Jeff Goad views the destruction to...

    CHUCK LIDDY, MCT

    National Park Service Ranger Jeff Goad views the destruction to N.C. Hwy 12 on the north edge of Rodanthe, North Carolina due to the storm surge from Hurricane Irene.

  • The day after Hurricane Irene swept through Connecticut, the Cosey...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the Cosey Beach area of East Haven showed heavy damage. National Guard troops were deployed to the area and residents are being allowed to return to their homes on Monday morning.

  • The day after Hurricane Irene swept through Connecticut, the National...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the National Guard started letting residents back into their homes in the Cosey Beach section of East Haven.

  • Ed Rolen, 40, of Panama City Beach, Florida drove to...

    RED HUBER, ORLANDO SENTINEL

    Ed Rolen, 40, of Panama City Beach, Florida drove to Cocoa Beach to Kite surf Thursday, August 25, 2011 to take advantage of high winds and surf from the effects of Hurricane Irene.

  • Raging waves batter against the seafront in Santo Domingo, Dominican...

    ERIKA SANTELICES, AFP/Getty Images

    Raging waves batter against the seafront in Santo Domingo, Dominican Republic, on August 23, 2011, after the passage of Hurricane Irene. Hurricane Irene was downgraded on Tuesday as it lashed the Turks and Caicos Islands in the Caribbean, but forecasters warned it could still regain power as it approaches the U.S. mainland.

  • Local residents of Red Hook bicycle through flooded streets near...

    Robert Nickelsberg, Getty Images

    Local residents of Red Hook bicycle through flooded streets near the Fairway Supermarket August 28, 2011 in the Brooklyn borough of New York City. While Hurricane Irene has now been downgraded to a tropical storm, it has knocked out power to more than 3 million people and is attributed to 15 deaths as it travels up the Eastern seaboard.

  • Lowe's employees Ronnie Dennis (L) and Sam Collins (R) stock...

    STEVE NESIUS, REUTERS

    Lowe's employees Ronnie Dennis (L) and Sam Collins (R) stock battery-powered lanterns inside the store as residents continue to prepare for the landfall of Hurricane Irene in Morehead City, N.C. on Aug. 26, 2011.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier. (RedHuber/OrlandoSentinel)

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier.

  • Visitors to Daytona Beach walk in the rain near Main...

    JOE BURBANK, ORLANDO SENTINEL

    Visitors to Daytona Beach walk in the rain near Main Street early Friday, August 26, 2011, as Hurricane Irene brings massive surf and strong winds to Florida's central Florida coast.

  • Flood waters caused by Hurricane Irene raise on a residential...

    Molly Riley/Reuters

    Flood waters caused by Hurricane Irene raise on a residential street in Ocean City, Md. on Aug. 27.

  • A tree is seen on a vehicle Sunday, August 28,...

    Jeffrey F. Bill, MCT

    A tree is seen on a vehicle Sunday, August 28, 2011 in Catonsville, Md., after Hurricane Irene passed through the area.

  • A New York City Police Department car drives through water...

    Stan Honda/AFP/Getty Images

    A New York City Police Department car drives through water at an intersection near Battery Park in Lower Manhattan in New York on Aug. 28.

  • A man collects wood from a beach carpeted with debris...

    ERIKA SANTELICES, AFP/Getty Images

    A man collects wood from a beach carpeted with debris in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11000 people were evacuated and placed in shelters or private homes.

  • Surfers take advantage of the 8ft to 10ft waves from...

    RED HUBER/ORLANDO SENTINEL

    Surfers take advantage of the 8ft to 10ft waves from the effects of Hurricane Irene at Cocoa Beach Pier.

  • The normally bustling beginning of rush hour is seen at...

    Joe Raedle, Getty Images

    The normally bustling beginning of rush hour is seen at Grand Central station as the city continues to try to get back to normal one day after Tropical Storm Irene swept through on Aug. 29, 2011 in New York, NY. The rail system continues to try and reopen but is on a limited schedule this morning due to the damage and flooding caused when the Tropical Storm passed through.

  • An unidentified person walks past a fallen light post Sunday,...

    Elizabeth Robertson, MCT

    An unidentified person walks past a fallen light post Sunday, August 28, 2011 in Atlantic City, New Jersey after Hurricane Irene passed through the area.

  • Len Cottiero, formerly of Branford, gestures as he talks to...

    Cloe Poisson, Hartford Courant

    Len Cottiero, formerly of Branford, gestures as he talks to a reporter about the devastation on Cosey Beach in East Haven from Tropical Storm Irene's wrath on Sunday. Cottiero's daughter lives in the family's cottage just behind the damaged ones and her house was spared. But about 20 other houses were severely damaged or totally destroyed. "In 70 years we've never seen anything like this," he said. Cottiero currently lives in Florida.

  • Mark Wade (R) chases his friend Craig Busick (C) as...

    JIM WATSON, AFP/Getty Images

    Mark Wade (R) chases his friend Craig Busick (C) as he surfs a large puddle in front of the Board of Education in Centreville, MD, August 28, 2011, after Hurricane Irene.

  • Sean Ruane begins cleanup Sunday, August 28, 2011, in Catonsville,...

    Jeffrey F. Bill, MCT

    Sean Ruane begins cleanup Sunday, August 28, 2011, in Catonsville, Md., after Hurricane Irene passed through the area.

  • Richard Filipelli tries to salvage what he can from the...

    Cloe Poisson, Hartford Courant

    Richard Filipelli tries to salvage what he can from the apartment he rented with his fiance on the bottom floor of a house on Cosey Beach Road in East Haven that collapsed under the storm surge of Tropical Storm Irene on Sunday. Residents of the devastated community came back to see what they could salvage. About 20 homes were severely damaged or completely destroyed.

  • Private ambulances prepare for the transport of patients from Coney...

    TIMOTHY A. CLARY, AFP/Getty Images

    Private ambulances prepare for the transport of patients from Coney Island Hospital Aug. 26, 2011 as evacuations began in low-lying parts of New York early Friday. Forecasters predict Hurricane Irene to move up the U.S. east coast, where it could hit New York City by late August 27 or 28.

  • Captain Scott Dowling, drags a speed limit sign out of...

    Red Huber, Orlando Sentinel

    Captain Scott Dowling, drags a speed limit sign out of the water as high tide approaches Daytona Beach. look at what might happen to Central florida Beaches as Hurricane Irene passes by.

  • Flooding triggered by storm surge and winds from Hurricane Irene...

    Lucas Jackson, Reuters

    Flooding triggered by storm surge and winds from Hurricane Irene soaks the streets in Montauk, N.Y. Hurricane Irene battered New York with heavy winds and driving rain on Sunday, knocking out power and flooding some of Lower Manhattan's deserted streets even as it lost some of its strength. Irene was downgraded to a tropical storm on Sunday morning but was still sending waves crashing onto shorelines and flooding coastal suburbs.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier.

  • Andy Weinstein, of Woodbridge, peers into what was once the...

    Cloe Poisson, Hartford Courant

    Andy Weinstein, of Woodbridge, peers into what was once the living room of his family's summer cottage on Cosey Beach Avenue in East Haven. The Weinsteins bought the house four years ago after renting for several seasons. "We plan to rebuild," said Paige Weinstein, Andy's wife. Several of the houses along the beach were destroyed by Tropical Storm Irene on Sunday.

  • A boy uses a bicycle on a flooded street in...

    ERIKA SANTELICES, AFP/Getty Images

    A boy uses a bicycle on a flooded street in Santo Domingo on August 22, 2011, while the country waits for the imminent arrival of Hurricane Irene in the northern coast. Hurricane Irene is moving towards the island of Hispaniola putting the Dominican Republic on high alert, as the newly-strengthened Hurricane bore down on the Caribbean country, bringing gale-force winds and pounding rain.

  • Oliver Berlic, 26, of Cocoa Beach flies through air Thursday,...

    Red Huber, Orlando Sentinel

    Oliver Berlic, 26, of Cocoa Beach flies through air Thursday, August 25, 2011 while kite surfing as high winds and surf blow from the effects of Hurricane irene.

  • A man walks in a flooded street in Hoboken, N.J....

    Kena Betancur / Reuters

    A man walks in a flooded street in Hoboken, N.J. on Aug. 28.

  • People stand on the beach at Coney Island at sunrise...

    Mario Tama, Getty Images

    People stand on the beach at Coney Island at sunrise on Aug. 29, 2011 in the Brooklyn borough of New York City. Hurricane Irene wreaked havoc on the East Coast and slowly weakened into a tropical storm before making a third landfall at Coney Island yesterday. Irene left at least 24 dead across eight states.

  • A crop plantation is flooded after Hurricane Irene hit the...

    ANA MARTINEZ, REUTERS

    A crop plantation is flooded after Hurricane Irene hit the municipality of Loiza, Aug. 22, 2011. Around 10 inches of rain was reported.

  • Nick Krashefski of Hillside Avenue in Milford looks out at...

    Bettina Hansen, Hartford Courant

    Nick Krashefski of Hillside Avenue in Milford looks out at the water after Hurricane Irene destroyed his home Sunday Aug. 28, 2011. 'It's inevitable, It's gonna happen,' Krashefski said about the damage. 'The most important thing is, no one got hurt.' Several beachfront homes along Hillside avenue sustained considerable damage, as well as the Woodmont on the Sound neighborhood.

  • A police car drives around downed trees in Brooklyn during...

    Spencer Platt/Getty Images

    A police car drives around downed trees in Brooklyn during heavy rain and winds on Aug. 28 in New York City.

  • Beach-goers photograph the massive waves crashing into the jetty at...

    Joe Burbank, Orlando Sentinel

    Beach-goers photograph the massive waves crashing into the jetty at Ponce Inlet, Fla., Friday, August 26, 2011, as Hurricane Irene brings huge surf and strong winds to Florida's central coast.

  • In this handout image provided by NASA acquired by the...

    Photo by NASA via Getty Images

    In this handout image provided by NASA acquired by the crew of the International Space Station, recently-formed Hurricane Irene is seen August 22, 2011 over the coastal waters of Venezuela. At the time Irene was packing winds of 80mph and was just north of the Mona Passage between Hispaniola and Puerto Rico. Although no eye was visible at this time, the storm was strengthening and exhibited the size and structure of a classic "Cape Verde" hurricane as it tracked west-northwestward towards the southern Bahamas.

  • Piles of rubble are all that's left of a house...

    Cloe Poisson, Hartford Courant

    Piles of rubble are all that's left of a house along Cosey Beach in East Haven after Tropical Storm Irene barreled through the state on Sunday. About 20 homes were destroyed or severely damaged including this one in the center. The cottage at right, built in 1895, has been in the Auerbach family since 1943. The Auerbachs live in Woodbridge. The house is a total loss.

  • The day after Hurricane Irene swept through Connecticut, the Cosey...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the Cosey Beach area of East Haven showed heavy damage. National Guard troops were deployed to the area and residents are being allowed to return to their homes on Monday morning.

  • The day after Hurricane Irene swept through Connecticut, the Brazos...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the Brazos section of Cosey Beach in East Haven showed heavy damage and beach erosion. Firefighter Robert Boulem was going around the neighborhood telling residents to steer clear of power lines, and not to run generators because they might put power back in the downed lines. Residents said that while the National Guard was deployed to the other side of Cosey Beach, they had received no assistance from Guard troops or police as of Monday morning.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier.

  • Chris Connelly walks past homes damaged by Hurricane Irene Sunday,...

    MARK MIRKO, MCT

    Chris Connelly walks past homes damaged by Hurricane Irene Sunday, Aug. 28, 2011 in Fairfield Beach, Conn.

  • Waves and storm surge pound the boardwalk and the beach...

    Chip East / Reuters

    Waves and storm surge pound the boardwalk and the beach at first light as Hurricane Irene slams into Asbury Park, N.J. on Aug. 28.

  • A woman and a child sit on a public bench...

    EMMANUEL DUNAND, AFP/Getty Images

    A woman and a child sit on a public bench amid floodwater on Rockway Beach after Hurricane Irene swept through New York City on Aug. 28, 2011.

  • John Robotti helps his daughter Alexis Robotti over a pile...

    MARK MIRKO, Hartford Courant

    John Robotti helps his daughter Alexis Robotti over a pile of debris left by Hurricane Irene at the entrance to the Birdseye Boat Launch along the Housatonic River in Stratford. Robotti said he was at the site last night before the storm and parked his car at the now submerged posts behind him (right).

  • A boy stands on a boat after it was taken...

    ERIKA SANTELICES, AFP/Getty Images

    A boy stands on a boat after it was taken out of the sea on a beach in Santo Domingo on August 22, 2011, while the country waits for the imminent arrival of Hurricane Irene in the northern coast. Hurricane Irene is moving towards the island of Hispaniola putting the Dominican Republic on high alert Monday as the newly-strengthened Hurricane bore down on the Caribbean country, bringing gale-force winds and pounding rain.

  • People walk in a flooded street in Hoboken, N.J. on...

    Kena Betancur / Reuters

    People walk in a flooded street in Hoboken, N.J. on Aug. 28.

  • Two young ladies wade through the water in the battered...

    ERIKA SANTELICES, AFP/Getty Images

    Two young ladies wade through the water in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11,000 people were evacuated and placed in shelters or private homes.

  • Car drives into a flooded area in lower Manhattan as...

    Mike Segar / Reuters

    Car drives into a flooded area in lower Manhattan as Hurricane Irene closed in on New York City on Aug. 28.

  • Claudio Romano packs up memories in the beach home he...

    Cloe Poisson, Hartford Courant

    Claudio Romano packs up memories in the beach home he shares with his wife of 45 years, Gina, on Cosey Beach in East Haven, after it was severely damaged by Tropical Storm Irene on Sunday. The Romanos came back Monday to try and salvage what they could from the condenmed structure. The Romanos have owned the house since 1988 and had never seen a storm like this one.

  • A local resident of Red Hook, Betty Walsh, crosses a...

    Robert Nickelsberg, Getty Images

    A local resident of Red Hook, Betty Walsh, crosses a flooded street in Red Hook August 28, 2011 in the Brooklyn borough of New York City. While Hurricane Irene has now been downgraded to a tropical storm, it has knocked out power to more than 3 million people and is attributed to 15 deaths as it travels up the Eastern seaboard.

  • The day after Hurricane Irene swept through Connecticut, Melba street...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, Melba street in Milford showed heavy damage.

  • The day after Hurricane Irene swept through Connecticut, the Cosey...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the Cosey Beach area of East Haven showed heavy damage. National Guard troops were deployed to the area and residents are being allowed to return to their homes on Monday morning. The view is from The Village at Mariner's Point, a retirement community on South Shore Drive.

  • he day after Hurricane Irene swept through Connecticut, the Brazos...

    Bettina Hansen, Hartford Courant

    he day after Hurricane Irene swept through Connecticut, the Brazos section of Cosey Beach in East Haven showed heavy damage. East Haven Fire crews were assessing gas leaks and building stability. Residents said that while the National Guard was deployed to the other side of Cosey Beach, they had received no assistance from Guard troops or police as of Monday morning.

  • Waves pound the Main Street Pier in Daytona Beach early...

    JOE BURBANK, ORLANDO SENTINEL

    Waves pound the Main Street Pier in Daytona Beach early Friday, August 26, 2011, as Hurricane Irene brings massive surf and strong winds to Florida's Volusia coast.

  • Graffiti on a window protection plate reads "I survived Irene"...

    MLADEN ANTONOV, AFP/Getty Images

    Graffiti on a window protection plate reads "I survived Irene" in the old town of Alexandria, Va., August 28, 2011.

  • Mark Roberts walks his dog Molly down a street littered...

    Scott Olson/Getty Images

    Mark Roberts walks his dog Molly down a street littered with debris left behind in the wake of Hurricane Irene on Aug. 28 in Kill Devil Hills, N.C.

  • Waves pound the Main Street Pier in Daytona Beach early...

    JOE BURBANK, ORLANDO SENTINEL

    Waves pound the Main Street Pier in Daytona Beach early Friday, August 26, 2011, as Hurricane Irene brings massive surf and strong winds to Florida's Volusia coast.

  • The day after Hurricane Irene swept through Connecticut, the Brazos...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the Brazos section of Cosey Beach in East Haven showed heavy damage and beach erosion. Residents said that while the National Guard was deployed to the other side of Cosey Beach, they had received no assistance from Guard troops or police as of Monday morning.

  • Surfers check out the massive waves at Ponce Inlet, Fla.,...

    Joe Burbank, Orlando Sentinel

    Surfers check out the massive waves at Ponce Inlet, Fla., Friday, August 26, 2011, as Hurricane Irene brings huge surf and strong winds to Florida's central coast.

  • At dawn onlookers take pictures of the surf Friday, August...

    RED HUBER, ORLANDO SENTINEL

    At dawn onlookers take pictures of the surf Friday, August 26, 2011 next to the Cocoa Beach Pier as hurricane Irene chugs to the northwest off the east coast.

  • Gary Niren surveys a tree that fell on the house...

    Brendan Hoffman/Getty Images

    Gary Niren surveys a tree that fell on the house he rents as a result of Hurricane Irene on Aug. 28 in Virginia Beach, Va.

  • The day after Hurricane Irene swept through Connecticut, the Brazos...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the Brazos section of Cosey Beach in East Haven showed heavy damage. East Haven Fire crews were assessing gas leaks and building stability. Residents said that while the National Guard was deployed to the other side of Cosey Beach, they had received no assistance from Guard troops or police as of Monday morning.

  • Oliver Berlic, 26, of Cocoa Beach flies through air Thursday,...

    Red Huber, Orlando Sentinel

    Oliver Berlic, 26, of Cocoa Beach flies through air Thursday, August 25, 2011 while kite surfing as high winds and surf blow from the effects of Hurricane irene.

  • A man sits outside his home after Hurricane Irene hit...

    ANA MARTINEZ, REUTERS

    A man sits outside his home after Hurricane Irene hit the municipality of Loiza, at the north east side of the Caribbean Island, in Loiza Aug. 22, 2011.

  • A beach-goer photographs the massive waves crashing into the jetty...

    Joe Burbank, Orlando Sentinel

    A beach-goer photographs the massive waves crashing into the jetty at Ponce Inlet, Fla., Friday, August 26, 2011, as Hurricane Irene brings huge surf and strong winds to Florida's central coast.

  • A beach-goer checks out the massive waves crashing into the...

    Joe Burbank, Orlando Sentinel

    A beach-goer checks out the massive waves crashing into the jetty at Ponce Inlet, Fla., Friday, August 26, 2011, as Hurricane Irene brings huge surf and strong winds to Florida's central coast.

  • "Where do you start? We don't even know where to...

    Patrick Raycraft, Hartford Courant

    "Where do you start? We don't even know where to turn for help," says CRC (Computer Repair Center) store manager Jim Civitello as he begins to clean up the mess Monday morning at the East Main Street insesection in the Forestville section of Bristol. Civitello and owner Neil Pace have contact FEMA and the Bristol mayor's office. CRC and other Forestville businesses sustained heavy flood damage from Tropical Storm Irene. Most flooding has receded in Bristol. Clean-up efforts are underway statewide in the aftermath of Tropical Storm Irene. Pace says he is uninsured.

  • Visitors to Daytona Beach walk in the rain near Main...

    JOE BURBANK, ORLANDO SENTINEL

    Visitors to Daytona Beach walk in the rain near Main Street early Friday, August 26, 2011, as Hurricane Irene brings massive surf and strong winds to Florida's central Florida coast.

  • People stand on the beach at Coney Island at sunrise...

    Mario Tama, Getty Images

    People stand on the beach at Coney Island at sunrise on Aug. 29, 2011 in the Brooklyn borough of New York City. Hurricane Irene wreaked havoc on the East Coast and slowly weakened into a tropical storm before making a third landfall at Coney Island yesterday. Irene left at least 24 dead across eight states.

  • A surfer passes the broken end of the Bogue Inlet...

    JOHN ROTTET, MCT

    A surfer passes the broken end of the Bogue Inlet Fishing Pier in Emerald Isle, NC on Sunday, Aug. 28, 2011 after Hurricane Irene passed through the area.

  • Visitors to Daytona Beach walk in the rain near Main...

    JOE BURBANK, ORLANDO SENTINEL

    Visitors to Daytona Beach walk in the rain near Main Street early Friday, August 26, 2011, as Hurricane Irene brings massive surf and strong winds to Florida's central Florida coast.

  • At dawn Richard Jackson, Salisbury, NC uses a metal detector...

    RED HUBER, ORLANDO SENTINEL

    At dawn Richard Jackson, Salisbury, NC uses a metal detector Friday, August 26, 2011 next to the Cocoa Beach Pier as hurricane Irene chugs to the northwest off the east coast. "Just trying to find some treasure.", said Jackson.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier. (RedHuber/OrlandoSentinel)

  • On Whetten Road in West Hartford, a large, downed oak...

    Patrick Raycraft, Hartford Courant

    On Whetten Road in West Hartford, a large, downed oak tree has taking down utility lines and is still blocking street access. Clean-up efforts are underway statewide in the aftermath of Tropical Storm Irene.

  • A tattered flag flaps in the wind just south of...

    Ed Betz, MCT

    A tattered flag flaps in the wind just south of Montauk Highway in Hampton Bays, New York, Sunday, Aug. 28, 2011, after Hurricane Irene passed through the area.

  • A large tree limb is seen in this pool Sunday,...

    Jeffrey F. Bill, MCT

    A large tree limb is seen in this pool Sunday, August 28, 2011, in Catonsville, Md., after Hurricane Irene passed through the area.

  • Local residents of Red Hook check their warehouse space along...

    Robert Nickelsberg, Getty Images

    Local residents of Red Hook check their warehouse space along flooded streets August 28, 2011 in the Brooklyn borough of New York City. While Hurricane Irene has now been downgraded to a tropical storm, it has knocked out power to more than 3 million people and is attributed to 15 deaths as it travels up the Eastern seaboard.

  • Water surrounds a home as Hurricane Irene arrives on Aug....

    Joe Raedle/Getty Images

    Water surrounds a home as Hurricane Irene arrives on Aug. 28 in Southampton, N.Y.

  • The day after Hurricane Irene swept through Connecticut, the Brazos...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the Brazos section of Cosey Beach in East Haven showed heavy damage and beach erosion. Crews from Southern Connecticut Gas Company and the Regional Water Authority were taking stock of damage. This home was swept right off its pilings. Residents said that while the National Guard was deployed to the other side of Cosey Beach, they had received no assistance from Guard troops or police as of Monday morning.

  • The normally bustling beginning of rush hour is seen at...

    Joe Raedle, Getty Images

    The normally bustling beginning of rush hour is seen at Grand Central station as the city continues to try to get back to normal one day after Tropical Storm Irene swept through on Aug. 29, 2011 in New York, New York. The rail system continues to try and reopen but is on a limited schedule this morning due to the damage and flooding caused when the Tropical Storm passed through.

  • A slate slab is one of the few items Andy...

    Cloe Poisson, Hartford Courant

    A slate slab is one of the few items Andy Weinstein, of Woodbridge, can recognize after the his family's summer cottage was flattened by Tropical Storm Irene on Sunday. Weinstein had recently paved the beach-side entrance to the house with the slate slabs. About 20 homes were severely damaged or completely destroyed in the storm.

  • Surfers take advantage of the 8ft- to 10ft waves Friday,...

    Red Huber, Orlando Sentinel

    Surfers take advantage of the 8ft- to 10ft waves Friday, August 26, 2011 from the effects of Hurricane Irene at Cocoa Beach Pier.

  • The day after Hurricane Irene swept through Connecticut, the Cosey...

    Bettina Hansen, Hartford Courant

    The day after Hurricane Irene swept through Connecticut, the Cosey Beach area of East Haven showed heavy damage. National Guard troops were deployed to the area and residents are being allowed to return to their homes on Monday morning. The view is from The Village at Mariner's Point, a retirement community on South Shore Drive.

  • A sign indicates suspended train service at Grand Central station...

    Joe Raedle, Getty Images

    A sign indicates suspended train service at Grand Central station as the city continues to try to get back to normal one day after Tropical Storm Irene swept through on Aug. 29, 2011 in New York, New York. The rail system continues to try and reopen but is on a limited schedule this morning due to the damage and flooding caused when the Tropical Storm passed through.

  • Oliver Berlic, 26, of Cocoa Beach flies through air Thursday,...

    Red Huber, Orlando Sentinel

    Oliver Berlic, 26, of Cocoa Beach flies through air Thursday, August 25, 2011 while kite surfing as high winds and surf blow from the effects of Hurricane irene.

  • Volusia County lifeguard Shastin Nagai puts on a sweatshirt as...

    Joe Burbank, Orlando Sentinel

    Volusia County lifeguard Shastin Nagai puts on a sweatshirt as winds kick up Friday, August 26, 2011, with Hurricane Irene bringing massive surf and strong winds to Florida's Volusia coast.

  • A beach-goer checks out the massive waves crashing into the...

    Joe Burbank, Orlando Sentinel

    A beach-goer checks out the massive waves crashing into the jetty at Ponce Inlet, Fla., Friday, August 26, 2011, as Hurricane Irene brings huge surf and strong winds to Florida's central coast.

  • A man surveys the damage to a three-story home that...

    Cloe Poisson, Hartford Courant

    A man surveys the damage to a three-story home that collapsed during Tropical Storm Irene Sunday on Cosey Beach in East Haven. About 20 homes were severely damaged or totally destroyed during the destructive storm.

  • Ed Rolen, 40, of Panama City Beach, Florida drove to...

    RED HUBER, ORLANDO SENTINEL

    Ed Rolen, 40, of Panama City Beach, Florida drove to Cocoa Beach to Kite surf Thursday, August 25, 2011 to take advantage of high winds and surf from the effects of Hurricane Irene.

  • A beach-goer checks out the massive waves crashing into the...

    Joe Burbank, Orlando Sentinel

    A beach-goer checks out the massive waves crashing into the jetty at Ponce Inlet, Fla., Friday, August 26, 2011, as Hurricane Irene brings huge surf and strong winds to Florida's central coast.

  • One of the beachfront homes closest to the water along...

    Bettina Hansen, Hartford Courant

    One of the beachfront homes closest to the water along Hillside Avenue in Milford is heavily damaged after Hurricane Irene ripped through the area Sunday, Aug. 28, 2011. Several homes along Hillside avenue sustained considerable damage, as well as the Woodmont on the Sound neighborhood.

  • Shoppers stock up on bottled water at a Stop and...

    ALLISON JOYCE, REUTERS

    Shoppers stock up on bottled water at a Stop and Shop at Rockaway Beach in New York on Aug. 26, 2011. As North Carolina braced on Friday for a direct hit from Hurricane Irene, cities along the East Coast were on alert and millions of beach goers cut short vacations to escape the powerful storm. With more than 50 million people potentially in Irene's path, residents stocked up on food and water and worked to secure homes, vehicles and boats. States, cities, ports, oil refineries and nuclear plants scrambled to activate emergency plans.

  • People walk along a battered beach in Nagua on August...

    ERIKA SANTELICES, AFP/Getty Images

    People walk along a battered beach in Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 7000 people were evacuated.

  • A person walks through a flooded street after Irene on...

    Spencer Platt/Getty Images

    A person walks through a flooded street after Irene on Aug. 28 in the Red Hook neighborhood of the Brooklyn borough of New York City.

  • Revellers play in the puddles during Irene in New York's...

    Brendan McDermid / Reuters

    Revellers play in the puddles during Irene in New York's Times Square on Aug. 28.

  • A boy walks in a flooded road after Hurricane Irene...

    ANA MARTINEZ, REUTERS

    A boy walks in a flooded road after Hurricane Irene hit the municipality of Loiza, Aug. 22, 2011. Around 10 inches of rain was reported.

  • A sailboat is washed ashore as Irene arrives on Aug....

    Joe Raedle/Getty Images

    A sailboat is washed ashore as Irene arrives on Aug. 28 in Southampton, N.Y.

  • A worker boards up a "Ripleys Believe it or not!"...

    Mark Wilson, Getty Images

    A worker boards up a "Ripleys Believe it or not!" located on the boardwalk Aug. 26, 2011 in Ocean City, MD.. Ocean City Mayor Rick Meehan has ordered a mandatory evacuation for thousands of residents and visitors to leave the ocean front community and Maryland's Governor O'Malley has declared a state of emergency as Hurricane Irene moves up the eastern seaboard.

  • Residents survey one of five large trees that were knocked...

    Chip Somodevilla, Getty Images

    Residents survey one of five large trees that were knocked down by Hurricane Irene's high winds in front of the East River Cooperative Village apartment buildings along Grand Avenue in New York City. The hurricane hit New York as a Category 1 storm before being downgraded to a tropical storm.

  • Children look at the beach on the mouth of a...

    ERIKA SANTELICES, AFP/Getty Images

    Children look at the beach on the mouth of a river, in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11000 people were evacuated and placed in shelters or private homes.

  • Ed Rolen, 40, of Panama City Beach, Florida drove to...

    RED HUBER, ORLANDO SENTINEL

    Ed Rolen, 40, of Panama City Beach, Florida drove to Cocoa Beach to Kite surf Thursday, August 25, 2011 to take advantage of high winds and surf from the effects of Hurricane Irene.

  • Gravestones around Barre Memorials on Surf Avenue in Stratford are...

    MARK MIRKO, Hartford Courant

    Gravestones around Barre Memorials on Surf Avenue in Stratford are surrounded with floodwaters brought by Hurricane Irene.

  • A man cuts a tree truck on the beach in...

    ERIKA SANTELICES, AFP/Getty Images

    A man cuts a tree truck on the beach in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11000 people were evacuated and placed in shelters or private homes.

  • Huge waves slam into waterfront homes in Westbrook Sunday afternoon....

    STEPHEN DUNN, Hartford Courant

    Huge waves slam into waterfront homes in Westbrook Sunday afternoon. The wind intensity kept up long after the rain disappeared.

  • Pam Borer, (left) and her sister, Laura Boyer, (right) both...

    Cloe Poisson, Hartford Courant

    Pam Borer, (left) and her sister, Laura Boyer, (right) both of West Hartford, salvage boards from their grandmother's summer cottage that was destroyed by Tropical Storm Irene on Sunday. The cottage, built in 1895, has been in their family since 1943.

  • While checking out the surf Glen Newman, of Cocoa Beach...

    RED HUBER, ORLANDO SENTINEL

    While checking out the surf Glen Newman, of Cocoa Beach hangs on to piling Friday, August 26, 2011 as a wave washes underneath the Cocoa Beach Pier.

  • A man walks down the board walk as winds from...

    Mark Wilson, Getty Images

    A man walks down the board walk as winds from approaching Hurricane Irene start to hit the area in Ocean City, Maryland.

  • A lone bather braves Daytona Beach at the Main Street...

    Joe Burbank, Orlando Sentinel

    A lone bather braves Daytona Beach at the Main Street approach, Friday, August 26, 2011, as Hurricane Irene brings massive surf and strong winds to Florida's Volusia coast.

  • Lowe's employees load a generator for a customer as residents...

    STEVE NESIUS, REUTERS

    Lowe's employees load a generator for a customer as residents continue to prepare for the landfall of Hurricane Irene in Morehead City, N.C. Aug. 26, 2011.

  • A boy walks along the beach in the battered town...

    ERIKA SANTELICES, AFP/Getty Images

    A boy walks along the beach in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11,000 people were evacuated and placed in shelters or private homes.

  • Surfers take advantage of the 8ft to 10ft waves from...

    RED HUBER/ORLANDO SENTINEL

    Surfers take advantage of the 8ft to 10ft waves from the effects of Hurricane Irene at Cocoa Beach Pier.

  • High tide starts to wash a sandcastle away Wednesday, August...

    Red Huber, Orlando Sentinel

    High tide starts to wash a sandcastle away Wednesday, August 24, 2011 at Daytona Beach. A look at what might happen to Central florida Beaches as Hurricane Irene passes by.

  • The end of Washington Parkway in Stratford buckled and washed...

    Bettina Hansen, Hartford Courant

    The end of Washington Parkway in Stratford buckled and washed out after being hit with waves during Tropical Storm Irene.

  • A person walks by downed trees in Brooklyn during heavy...

    Spencer Platt/Getty Images

    A person walks by downed trees in Brooklyn during heavy rain and winds from Irene on Aug. 28 in New York City.

  • A boy stands on the front door of his house...

    ERIKA SANTELICES, AFP/Getty Images

    A boy stands on the front door of his house in the battered town of Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction. Some 11000 people were evacuated and placed in shelters or private homes.

  • Cars drive past a Hurricane Evacuation Route sign in Long...

    MIKE SEGAR, REUTERS

    Cars drive past a Hurricane Evacuation Route sign in Long Beach on Long Island, New York, Aug. 26, 2011. Hurricane Irene, the first Atlantic hurricane of the season, churned toward the U.S. East Coast Friday as Cities scrambled to prepare, resorts emptied of beach goers, and energy firms braced for the storm.

  • A man stares at the sea from a battered beach...

    ERIKA SANTELICES, AFP/Getty Images

    A man stares at the sea from a battered beach in Nagua on August 23, 2011 as winds and rain of Hurricane Irene are still lashing the northern coast of the island of Hispaniola, which the Dominican Republic shares with Haiti. The category two hurricane skirted the north coast of the Dominican Republic with sustained winds of 160 km per hour and moving in a northwesterly direction.

  • U.S. President Barack Obama (C) speaks with Homeland Security Secretary...

    Win McNamee, Getty Images

    U.S. President Barack Obama (C) speaks with Homeland Security Secretary Janet Napolitano (L) and FEMA Administrator Craig Fugate on the aftermath of Hurricane Irene from the Rose Garden of the White House August 28, 2011, in Washington, DC. Hurricane Irene killed at least 15 people and more than 4.5 million homes and businesses are without power due to the storm.

  • A man runs along the beach at Coney Island at...

    Mario Tama, Getty Images

    A man runs along the beach at Coney Island at dawn on Aug. 29, 2011 in the Brooklyn borough of New York City. Hurricane Irene wreaked havoc on the East Coast and slowly weakened into a tropical storm before making a third landfall at Coney Island. Irene left at least 24 dead across eight states.

  • Richard Filipelli (left) salvages some of his children's toys from...

    Cloe Poisson, Hartford Courant

    Richard Filipelli (left) salvages some of his children's toys from the bottom floor apartment he rented with his fiance on Cosey Beach in East Haven. The three-story house collapsed during Tropical Storm Irene on Sunday. "Everything we own is in here. We've got nothing," he said.

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You can’t plan for Hurricane Irene any more, but the hurricane season is just beginning and you can plan for the next one. Any time you prepay for any travel service, you have money at risk, and you want to make sure that if a future hurricane threatens your travel plans, you make the best decisions for yourself. Although travel suppliers generally allow you to adjust to a hurricane, they typically limit your alternatives within a tight time frame. If you decide you want to delay your trip for a longer period, switch to a different destination, or even not go at all, you could be on the hook for some big fees and penalties.

AIRLINES: If you have an airline ticket to/from an area of potential impact, airlines generally allow you to reschedule your trip with no change penalty, no fees, and no change in fare, but with strict limits: You can change flights originally booked for specific routes and dates — usually just two or three days — and your replacement trip must generally start within a week or so of your original dates. If you’d rather wait beyond the airline’s narrow deadlines or make other changes, you’ll face some combination of exchange fees and possible fare increases. When an airline actually cancels your flight, you can get a full refund on even a nonrefundable ticket. Although airlines proactively cancel lots of flights a few days in advance, you usually won’t know far enough ahead to do much planning.

GROUND TRANSPORT. Amtrak proactively cancels train service in areas it expects to be hit, and generally allows full refunds. Bus operators must also cancel some trips; rebooking of prepaid tickets varies by supplier

HOTELS AND RESORTS. Each hotel sets its own policies, but on a nonrefundable advance booking prepayment, the best offer may be a credit toward a future stay rather than a cash refund.

CRUISE LINES. One-sided contracts allow cruise lines lots of leeway in how they respond to hurricanes without giving you the option of a refund. They seldom cancel outright; instead, they skip scheduled ports, substitute ports, depart early or late, and otherwise adapt. With a major change in itinerary, a cruise line may volunteer a voucher toward a future cruise or a shipboard credit, but no law obliges them to do so. Moreover, cruise lines are generally pretty hard-nosed about changes: When Irene hit Puerto Rico, for example, ships on both Royal Caribbean and Carnival departed San Juan early leaving hundreds of travelers behind in San Juan. Carnival put them up in hotels and agreed to fly them to their next port, but Royal made that offer only for the small number who bought their air through Royal and stiffed the others.

TRAVEL INSURANCE. Most trip-cancellation insurance (TCI) is pretty strict about “covered reasons” for cancellation, and “hurricane” isn’t usually one of them. Yes, weather that makes your destination “uninhabitable” or forces your airline to shut down completely are covered reasons, but not if the weather just makes conditions miserable for an extended period. Again, those covered reasons are last-minute developments that don’t give you much lead-time. Of course, the delay provisions in many policies will likely help with expenses incidental to airline delays, but the big dollars are in cancellation — and you want that to be on your terms.

STAY IN CHARGE YOURSELF. Ordinary TCI doesn’t give you the flexibility to decide, in advance, that you don’t want to risk visiting or cruising in an area likely to be hit. If you want to keep control of your own decision whether to go or cancel, get “cancel for any reason” TCI. Yes, it’s more expensive, but it’s the only way to cancel without a potentially long squabble with an insurance company and possible denial of your claim.

KEEP CHECKING. Obviously, for anyone planning to travel in areas in or near the hurricane’s path, the watchword is, “Keep checking your supplier’s website.” Suppliers are pretty good about posting their current cancellation, delay, and rebooking provisions.

Send e-mail to Ed Perkins at eperkins@mind.net. Perkins’ new book for small business and independent professionals, “Business Travel When It’s Your Money,” is now available through www.mybusinesstravel.com or www.amazon.com