Where the wind blows: weather that results in insurance claims

As summer weather approaches, even before it’s due time, people are starting to miss a spring season that seemed stolen from them. After all, in the Northeast alone, the mild and calming climate that is most prevalent in the months of March to July was not really visible, except for a few symbolic days. With thunder, wind and full downpours making regular appearances along with below average temperatures followed by a rapid display of above average heat registering in the 1980s and 1990s, there really is a general rationale for the sentiment.

And the loss of the real spring feeling was not lost on those involved in the insurance companies or agencies. With nationwide claims for home or business damage and car collisions due to the varying conditions – everything from floods and tornadoes to hail and windstorms – the focus has certainly been on the climate.

A concisely written article about the weather and the associated effects on liability and safety therefore seems appropriate.

Seven quick points to think about about weather and insurance implications

1. Of all the countries around the world, it is the United States that is most affected by damaging tornadoes that destroy homes, vehicles and property, not to mention the role they play in the loss of life. With about 1,200 annual tornadoes swirling around during the related seasons of the year, this is a leading cause of insurance claims.

2. While Hurricane Katrina and Hurricane Sandy have become synonymous with tragic loss and lives and hundreds of billions of dollars in property damage, other hurricanes, cyclones and superstorms have consistently also caused severe losses, resulting in related claims and a changing view of coverage for coastal areas.

3. Blizzards and blizzards across the country contribute to school closures, car accidents, roof damage and more.

4. Just as cold weather can result in a home’s water pipes freezing and bursting, so too can excessive heat threaten crops and property.

5. Hail storms that rain on US states cause about $1 billion dollars in damage to property and crops.

6. Rain, rain and more rain and resulting flooding pose a real risk to homeowners, car owners and businesses, potentially exposing US property and crops to billions of dollars in damage.

7. Damaging winds are also known as straight line winds which are not related to the tornadoes. Associated with speeds of 50 or 60 miles per hour and upwards of a hundred miles per hour, they are particularly dangerous for mobile home owners.

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The weather affects all of us. Make sure you have tailor-made insurance coverage that can protect you from the potential devastation and damage caused by climatic forces.