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Homeowners Coverage in the Age of Catastrophic Weather Patterns

April 14, 2021

The deadly winter storms that descended on Texas in early 2021, following a summer of record-setting wildfires in California, have reminded many Americans of the importance of homeowners insurance. Here is some advice on how to protect yourself-from a major disaster or an everyday one. Risk From Natural Catastrophes is Increasing Many parts of the […]

Filed Under: American Heritage, Flood, Home, Weather Tagged With: catastrophic weather, earthquake insurance, flood insurance, how weather affects your home owners insurance, weather and insurance

How to Protect Your Home From Extreme Weather

April 7, 2021

wildfire examples

Climate change can be a hot topic these days, but regardless of one’s views on the subject, scientists have taken an interest in how it might affect the intensity or possibility of future weather-related events. Natural disasters – whether predicted or not – expose the susceptibility and risks of our home and communities. According to […]

Filed Under: American Heritage, Flood, Home, Weather Tagged With: earthquake, extreme weather, flood insurance, how to prepare your home for a hurricane, how to prepare your home for a storm, how to prepare your home for a tornado, how to prepare your home for a wildfire, how to prevent a home insurance claim, hurricane, most common states for, natural disasters and insurance, tornado, wildfire

Severe Weather is a Wake-Up Call to Check Your Insurance

April 22, 2020

If you’ve watched the news recently, you’ve noticed that intense storms are becoming more regular, with some catastrophic results. Whether the issue is the wind damage from a hurricane, water damage due to torrential rains, or the property damage caused by a wildfire, weather-related damage is a growing concern. The increase in severe weather means […]

Filed Under: American Heritage, Home, Weather Tagged With: catastrophes, extreme weather, flood claims, flood insurance, home damage from weather, hurricane damage, tornado damage, weather insurance claims

What You Need to Know About Flood Insurance

April 8, 2020

Flood insurance is an important policy for most homeowners to have. But only about one in seven homeowners purchase this critical safety net to protect them from the ravages of flood water. What is Flood Insurance? Flood insurance is a specialized policy that protects your home and belongings against damage from flood waters. If you’re […]

Filed Under: American Heritage, Flood, Home, Weather Tagged With: flood claims, flood insurance, Home Insurance, homeowners insurance, NFIP, weather related insurance claims

Climate Change May Affect Your Homeowner’s Insurance Policy in Two Ways

April 1, 2020

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 […]

Filed Under: American Heritage, Flood, Home, Money, Weather Tagged With: climate change and homeowners insurance, earthquake insurance, flood insurance, Home Insurance, home insurance claims, homeowners insurance, weather insurance claims, weather related claims

Extreme Weather, Its Effect on the Economy and You

December 26, 2019

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 […]

Filed Under: American Heritage, Weather Tagged With: blizzards, cost of weather damage, droughts, extreme weather, flood insurance, hurricane, landslides, snow storm, weather and the economy

Flood Insurance

March 20, 2019Leave a Comment

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 […]

Filed Under: American Heritage, Flood, Weather Tagged With: FEMA, flood insurance, hurricanes, National Flood Insurance Program, NFIP

3 Types of Water Damage

March 13, 2019Leave a Comment

Is Your Home Insured For Water Damage? Water is one of the most common causes of damage in homes, and it represents a large number of insurance claims. Water damage to your property can happen from any number of sources: Plumbing or Appliances Severe Weather or Storms Accidents Infiltration Causes of Water Damage in Insurance: […]

Filed Under: American Heritage, Flood, Home Tagged With: Flood, flood insurance, Home Insurance, Insurance, water claim, water damage

Common Questions About Flood Insurance

March 6, 2019Leave a Comment

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 […]

Filed Under: American Heritage, Flood, Home, Weather Tagged With: Flood, flood insurance, hurricane

Water Damage in Your Home

February 14, 2019Leave a Comment

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 […]

Filed Under: American Heritage, Home, Weather Tagged With: flood insurance, homeowners insurance, hurricanes, insurance claims, water damage, water insurance claims, Weather

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