What’s the best way to shop for homeowners insurance? Are they any specific considerations or features homeowners should look for?You should first choose insurance agents wisely and avoid insurance coverage gaps. Ask questions and get second opinions of the replacement cost for your property to avoid being underinsured. Review your policy to make sure your…

Knowing what to do after storm damage If a tree falls on your house after a windstorm or other weather event, you should evacuate and if it’s safe try to prevent further damage to your home and property by hiring a professional to tarp and remove the tree off of the property. Make sure to…

When to file a hail damage claim By Mark Chalon Smith Posted : June 20, 2019 The Insurance Information Institute (III) and insurance companies say policyholders need to file promptly.  Most standard policies require filing a claim within one year of determining that a hail storm damaged your roof or other parts of the house.…

While smoke alarms have always been a factor in the survivability of a home fire, their importance has never been greater. Most fire fatalities are not caused by burns, but by smoke inhalation. As the toxicity and speed of smoke increases. When a fire grows inside a building, it will deplete most of the available…

California should get insurance to help cover taxpayers’ costs in bad wildfire seasons, a solution that could help stem losses as climate change contributes to more destructive blazes, two state officials said Thursday. The most populous state should follow the lead of Oregon, the World Bank and the Federal Emergency Management Agency after outspending its…

Experts say that climate change might already be fueling an increase in the number of billion-dollar disasters. Homes leveled by the Camp Fire line the Ridgewood Mobile Home Park retirement community in Paradise, Calif., in December. Insurance claims from California’s deadly November 2018 wildfires have topped $11.4 billion, state officials have said. (Noah Berger/AP) By…