Climate change is a global phenomenon that is having far-reaching effects on various aspects of our lives, including the insurance industry. As extreme weather events become more frequent and severe, insurers are grappling with the challenges of accurately assessing risks, determining insurance costs, and providing adequate coverage. In this blog post, we will explore how climate change and weather patterns are influencing insurance costs and coverages.
Home and Property
10 Ways to Protect Your Home from Winter Storms Even though Fall has just begun, the weather predicts cold & dry with snow in late December for Central Oregon. This is great news as you still have time to prepare for Winter! Over the years, we’ve heard of many types of claims in the area […]
Why Protect Your Home? You may not realize but there are over 2.15 million burglaries that take place annually in the US with most of them happening in the months of July and August. Of that 2.15 million 65% are residential burglaries. Burglars are not just looking for your jewelry, electronics and cash. These days […]
What is the Oregon Defensible Space Code? Under Senate Bill 762, the Office of State Fire Marshal is mandated to adopt a statewide minimum defensible space code. The code is still in development and changes will be effective October 1, 2022, and mandatory on April 1, 2023. Defensible space is designed to reduce the devastation of loss […]
The world is constantly changing and it’s possible your home and auto insurance rates could be affected in 2023. Predictions for Home and Auto Insurance Rates in 2023 Homeowner Insurance Due to an increase in claims over the last few years, we are seeing increases in the cost of homeowners’ insurance. Claims from Wildfire, Hurricane, […]
A liability claim occurs when an insured reaches out to an insurance company asking them for help or financial assistance with a third party’s allegation that the insured is responsible for some loss or damage. Today, Cheri and Rex discuss the various types of liability claims and how you should respond in the event of an accident […]