You only need to watch the news once to understand that weather events have become more dramatic over the past 10 years. According to Maryland State Insurance Commissioner Al Redmer, whether you’re talking about tornadoes, floods, hurricanes, or wildfires, “Both the number and severity of natural disasters have increased” – and so have the number […]
Everything You Need to Know About Crop Insurance
Crop insurance protects farmers and agricultural producers against the loss of crops as a result of extreme weather, like floods, hail, and drought, or the loss of revenue due to price fluctuation in the agricultural commodity market. There are two types of crop insurance available to farmers in the U.S. : crop-hail insurance, which is […]
Why Farmers Should Purchase Livestock Insurance
Farms, ranches and other businesses that raise or house livestock may lose money if the animals are injured or die due to accidents or disease. There are several types of livestock insurance and the kind of coverage you need depends on the varieties of animals you have and the purpose they serve. Farm animal insurance […]
Prevented Planting for U.S. Farmers
U.S. Department of Agriculture numbers show Ohio farmers have been hit with the state’s worse weather-prevented planting season on record in 2019. The Columbus Dispatch reports that Ohio had the highest rate nationally of acreage on which insured farmers were prevented from planting because of weather. The data shows Ohio’s 15.1% rate was followed by […]
Climate Change May Affect Your Homeowner’s Insurance Policy
You only need to watch the news once to understand that weather events have become more dramatic over the past 10 years. According to Maryland State Insurance Commissioner Al Redmer, whether you’re talking about tornadoes, floods, hurricanes, or wildfires, “Both the number and severity of natural disasters have increased” – and so have the number […]
Extreme Weather, Its Effect on the Economy and You
Extreme weather is a meteorological event that falls outside the realm of normal patterns. Weather describes conditions in the Earth’s atmosphere that occur over a short period such as days. Climate describes the weather that occurs over a longer time such as decades. Climate affects weather. For example, weather in the temperate areas is more […]
Flood Insurance
Flooding is the most common and costly natural disaster in the United States, causing billions in economic losses each year. According to the National Flood Program (NFIP), 90% of all natural disasters in the United States involve flooding. There is no coverage for flooding in standard homeowners or renters policies or in most commercial property […]
Common Questions About Flood Insurance
Check out the answers to some common questions about flood insurance. Answers all come from the Federal Emergency Management Agency (FEMA). I Don’t Have Flood Insurance – Why Do I Need It? Floods are the nation’s most common and costly natural disaster and cause millions of dollars in damage every year. Floods cost America, on […]
Water Damage in Your Home
Water damage is the leading cause of property-related losses for homeowners, according to Chubb claims data. A recent Travelers report revealed similar findings. After analyzing eight years of claims data, the insurer found that 20% of homeowners claims were attributable to non-weather water issues including plumbing, sewer or appliance leaks and failures – making non-weather […]
Winter Holiday Travel Tips: 8 Good Ideas for your Trip
It can be especially stressful and arduous to travel during the winter holidays: Airports and flights are crowded. Roadways are jammed with vehicles. Snow and ice storms can delay your journey. You can’t make other people or bad weather just go away as you try to reach your destination, but you do have ways to […]
The Best Things to Do Inside During the Winter
Whether you live in a particularly cold climate or you’re just dealing with fewer hours of daylight, wintertime often means spending a lot of time inside. While staying indoors can often feel boring and repetitive, there are actually plenty of fun things you can do to pass the time inside on a cold winter day. […]
What if a tree falls on my house? My car? My fence?
Trees are beautiful. Tall. Majestic. Green. And also very, very heavy. Which is why if a tree falls in the direction of your house it’s terrifying. Trees have the power to cause some pretty serious damage to your home—they’re not picky about which way they fall if a sudden storm or wind gust pops up. […]
Flooding: Know Your Risk
What Flooding is an overflowing of water onto land that is normally dry. Floods can happen during heavy rains, when ocean waves come on shore, when snow melts too fast, or when dams or levees break. Flooding may happen with only a few inches of water, or it may cover a house to the rooftop. […]
Winter Tire Tips
Do You Need Winter Tires? You know it’s coming. Snow and slush. Freezing rain. Maybe even black ice. But do you know if your tires are ready for all of that? When driving in Ohio, in the wintertime, your tires just might be the most important safety feature on your car. The right ones can […]
Polar Bear Plunge
Polar-Bear Plunge: Crazy? Rejuvenating? Both? You’ve seen these people on the news or in your local paper. Maybe you’ve seen them in person at a local park or beach in winter. Maybe you’re even one of them. Who are they? And why are they jumping into a freezing body of water? The origin of the […]
Night Driving Dangers
A little extra caution can go a long way while driving at night Summer has ended, and while fall and winter have their own pleasures — including ice skating at Fountain Square — longer nights mean increased danger on the roads. You might think you drive just as well at night, but consider this: Even […]
Fall Driving Safety Tips
Happy Fall! Last week was the beginning of Fall and with that comes the onset of the change of seasons. With this change, you should also expect a change in driving conditions. We’re here to help with several tips to make you aware of the dangers of fall driving. Fall Driving Hazards Poor Visibility: Falling […]
Are You Preparing for Severe Weather the Right Way?
Every year, millions of people in the United States are impacted by severe weather. Even though we know there is always a possibility for ourselves to be impacted, I know that many people tend to not prepare for the chance of severe weather. Also, part of preparing is knowing how to prepare and I feel […]