Whether floods arise due to severe weather from natural disasters or from backed-up plumbing or broken pipes, homeowners don't always understand the risks associated with flooding or the need for flood insurance. In particular, many homeowners may think flood damage is covered by their traditional homeowner's insurance policy. Even those who...
Untouched snow on the roof of home looks pretty, but this winter's heavy snowstorms mixed with frigid temperatures can cause an ice dam to develop on that roof. Ice dams prevent melting snow from properly draining. This can cause serious damage to insulation, ceilings, and walls if the water seeps inside the home. ... which leads to that...
Extreme floods are exposing issues in the Federal Emergency Management Agency's (FEMA) flood maps, according to a recent article by the Washington Post. Americans rely on these maps to warn about potential flood risks, but that’s creating dangerous situations for residents around the country as it leaves them uninformed about the potential...
Suppose one of your clients is an arborist, who works with dangerous equipment – and in hazardous conditions – regularly. Or you’re working with the owner of a large concert venue who is worried about the risks of hosting large events with huge crowds. In cases like these, insurance carriers may refuse to offer standard coverage due to the higher...
Worsening weather conditions are leaving homes and commercial properties damaged throughout the country as they're hit by hurricanes, torrential wind and rain, and tornadoes. Even the sturdiest structures are being put to the test. With the potential for dangerous conditions increasing and the rising cost of building materials and labor,...
Industry jargon can easily leave your clients thrown off and confused. For example, when considering insurance coverage options and recommendations, your clients may be unfamiliar with terms like "primary" and "excess," resulting in inadequate coverage in the event of a flood. When selecting policies, it's critical to know the coverage's...
According to the Insurance Information Institute, less than 20 percent of U.S. homeowners have flood insurance, despite floods being the most costly natural hazard in the country. Many are either unaware that their insurance policies lack flood damage coverage or underestimate the likelihood of experiencing a flood-related incident. Under most...
In the wake of natural disasters, a pandemic, and supply shortages, higher insurance rates are everywhere. Many living in coastal areas or in flood zones can also expect to see higher rates to insure their homes under the Federal Flood Insurance Program. The Federal Emergency Management Agency (FEMA) released new rules in the spring regarding...
The Atlantic hurricane season, running from June-November, has already caused almost $15 billion in damages this year. A typical year would expect to see around a dozen named storms, six hurricanes, three qualifying as major hurricanes (category 3 and above). The 2020 season looks more extreme. Experts predict greater than 24 named storms,...
Hail damage is a significant risk to homes, autos, and other property owned by your clients. Like other forms of weather damage, it is typically covered in some way by a homeowner's insurance policy. The application of coverage varies depending on the state and nature of the policy. Agents should carefully check the policies of their clients to...
The leaves are falling, there’s a chill in the air, and winter is right around the corner. Homeowners should take precautions now to protect against winter weather-related damage. There are inherent dangers associated with winter weather; including frozen pipes, ice dams, fires from heat sources, wind damage, flooding, and other devastating (and...
All eyes are on the weather as we approach the peak of hurricane season. While hurricane season lasts from June 1-November 30, the most significant risk is around September 11th. Early forecasts predict nine to fifteen named storms to hit our coasts during the 2019 season. Significant risks to homes include flooding, wind damage, tornadoes,...
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