How Wildfires Pose a Real Danger to Homes

Forest being damaged by summer wildfire.Every summer, wildfires ravage the United States, consuming hundreds of thousands of acres of wilderness, parkland, and property. This summer was no exception, with wildfires starting and merging through October in drier parts of the US. In California alone, there have been over $3 billion dollars in claimed damage in one of the most disastrous fire seasons California has ever faced. Today we’re going to look at a specific fire that struck California, and how it’s an example of how far wildfires can reach. [Read more…]

Does Insurance Cover Hail Storms?

Large hailstones held in two hands.Hail forms when a storm’s updrafts are strong enough to move rain droplets above the necessary freezing level. The process creates hailstones that can grow as water droplets latch on to the original stone. Once the stone is too heavy to stay up with an updraft they fall to the ground creating what we know as hailstorms. Hailstorms are usually mild and hailstones do not get larger than the size of a penny. However, in large storms hailstones can become dangerous growing to the size of baseballs. These huge stones have the ability to cause harm to people and can cause large amounts of damage to your property. Anything from holes in the roof of your home to smashed car windows are fair game to the destructive power of hailstorms. Although hailstorms present a problem to many homeowners there are methods to combat them through the help of insurance plans. [Read more…]