In the home insurance industry, we’re in the business of protecting people’s biggest investments from the unpredictable. While everyday risks like auto accidents or storm damage are well understood by most clients, rare but high-impact events, such as catastrophic hurricanes with storm surge, wildfires or earthquakes, are often not top-of-mind. As insurance professionals, it is our responsibility to help clients grasp the potential severity of these risks and the critical role comprehensive coverage can play in mitigating financial loss. The Framing of Rare Events As humans, we tend to psychologically downplay risks that are perceived as unlikely. This cognitive bias can lead people to underestimate the likelihood and consequences of extreme weather events. Unfortunately, this can lead many clients to opt out of essential coverage, assuming that “it won’t happen to me.” By using data-driven insights and historical examples, we can help counteract this mindset and encourage proactive risk management. [...]

As the holiday season approaches, many homeowners are excited to escape for celebration and quality time with family and friends; however, leaving your home unattended with looming severe weather ready to strike this winter season can leave you worrying. Whether your area is expecting heavy rains, winter storms, or strong winds, taking the time to secure your property against the elements is the key to establishing peace of mind before you lock the door and head on your next getaway. Here are a few tips to ensure your home is protected against severe weather, even when you’re not there. Clear Your Gutters: Before you leave, take the time to inspect your roof and clear the gutters of debris to prevent water buildup that could lead to leaks or water damage. Secure Windows and Doors: Check that all windows and doors are closed and tightly sealed to ensure that your home’s [...]

While dust storms aren’t often a prevalent topic in the severe weather space, they are certainly ready to enter the conversation as reports show that atmospheric dust levels across the Great Plains have nearly doubled between 2000 and 2018. Dust storms are characterized by strong winds carrying dust and debris. In this blog, we’ll explore some important safety tips for understanding as well as navigating dust storms to minimize their impact on your property and financial wellbeing. What is a dust storm? Dust storms occur when strong winds lift loose soil and dust particles, creating a dense cloud that can reduce visibility and cause significant damage. This phenomenon is more likely to occur after a period of drought, when the land is warmer and soil is more exposed to winds, which is why we typically see dust storms during the dry summer months between June and August. Arid or semi-arid [...]

May is National Pet Month and to celebrate, we’re discussing a topic that’s not often prioritized in conversations about disaster preparedness: safeguarding your pets during extreme weather. Any pet owner knows that our pets are more than just animals, they’re beloved members of our families. Just like us, they’re vulnerable to the impacts of severe weather and natural disasters. Whether you’re facing a hurricane, wildfire, earthquake or blizzard, being prepared can make all the difference in keeping your furry companions safe. In this blog, we’ll explore essential preparation and precautions to ensure the well-being of pets during an emergency. Create an Emergency Kit: Alongside your family emergency kit, prepare a pet-specific kit that contains essential items: Sufficient pet food and water reserves for at least three days Medications Collapsible food and water bowls Copies of identification and vaccination records Leashes, blankets, towels, and a familiar toy or comfort item Develop [...]