Lights, Cameras, Insurance: Whats the skinny on Rain Insurance?
Q: We are filming in New York in the next 4-5 weeks. Our financier has requested we obtain “rain insurance.” Please tell me more about this coverage. A: A filmmaker technically has the same motto as the mailman . . . “Neither rain, snow, sleets nor hail can keep the filmmaker from completing their production.” As this is the case, your financier wants to make sure there are no delays due to rain. Weather insurance was created to help outdoor events defray the costs of the interruption rain or other weather may cause. In your case, if you are filming in New York, there is a probability that rain may cause a delay. The hurricane season officially started on June 1 (ends in November), and the weather in the south and east coast can become unpredictable. Hurricanes that come inland turn into tropical rain storms with high winds that can cause damage to equipment, props and locations. My advice in your situation is to determine the exact location, the days and hours you will be filming and
