Property Risk Assessments: Then, Now, and the Future

image of a hand stopping the risk of blocks falling on a tiny model house

Living on the coast comes with a unique set of ups and downs. On the one hand, you have unbelievable views and quick access to any water-based activity that you can imagine. However, on the other hand, those vista views and all the hydro-centric fun comes at a price, the costliest being the threat and […]

Texas Law Firm Fined $2 Million for Insurance Fraud in Louisiana

Image of file folders with the first folder labled Fraud in red print, followed by a folder entitled investigations in black print

  In a recent press release, Louisiana Insurance Commissioner Jim Donelon announced on May 1st, 2023, that he had fined Texas law firm McClenney Moseley & Associates (MMA) $2 million for engaging in unfair trade practices and insurance fraud. The fine is the largest ever issued by the Louisiana Department of Insurance (LDI). The LDI’s […]

Forbes Releases List of Most Disaster-Prone Counties in the United States

2 homes destroyed by storms

In a recent Forbes Advisor publication, a list of the most disaster-prone counties in the United States was released. This list was compiled based on several factors, including the city’s history of natural disasters, its proximity to fault lines and other hazards, as well as its population density, using data from the National Oceanic and […]

Spring Storms Can Mean Devastation for Non-FORTIFIED™ Property

Interior image of home damaged from hurricane Michael in Panama City, FL with no roof.

In the Coastal US, Spring is not only a time for warm weather and beautiful flowers, but heavy storms, that can produce tornadoes and hurricanes.  Tornadoes and hurricanes are two of the most destructive natural disasters in the world. They can cause widespread damage to homes, businesses, and infrastructure. Properties that are not built to […]

Wind & Flood: How to Prepare for the Worst

image of tornado approaching cars on a flooded road

    Per NOAA, the National Oceanic and Atmospheric Administration, “Damage from severe thunderstorm winds account for half of all severe reports in the lower 48 states and is more common than damage from tornadoes.” Whether you live on the coast or anywhere where it rains, you can be impacted by heavy winds and flooding. […]

What to Expect When Your Insurance Company Orders an Inspection

the words "What to Expect" next to a hand holding a pencil

  Whether you’ve put in an offer/ just purchased a home, renewed a policy for a home you’ve had for 10 years, or switched insurance carriers, chances are that you’ll be required to obtain an insurance underwriting inspection. But, what’s an insurance underwriting inspection, you ask? Well, it differs from a property inspection, which you […]

Impact Glass: What it is, How to Identify It, & How It Can Help You

image of living room with view of the sea out of centered window

Living on the coast has many advantages, spectacular views, a variety of outdoor activities, and high-value properties just to name a few, but every coin has 2-sides, and one of the major disadvantages is the frequency and sometimes unpredictability of tropical storms and hurricanes. With the ever-present threat of severe weather, the question of “how […]

Answers to the Question of: What’s a Four-Point Inspection?

animation of Plumbing Heating Cooling Electrical icons under a roof

  Why it Came to Be In the early morning hours of August 24th, 1992, Hurricane Andrew, a devastating Category 5 storm, struck land off the eastern coast of Florida’s Peninsula, destroying more than 125,000 homes, and causing the death of more than 60 people. Insurance companies knew that the high-wind storm would result in […]

Wind Mitigation Inspections: What are they & the Importance of Receiving One

Illustrated Image of tiny characters with larger ruler performing an inspection on a giant house

  Home ownership comes with its own set of highs and lows, especially when it comes to the upkeep and protection of your property. One of the most important considerations for coastal properties, is to determine if your home is protected from wind; as hurricanes, tornadoes and severe storms are an often-unpredictable regional norm. When […]

What is This …and Other Questions About the FORTIFIED™ Program?

Image of the Fortified Logo with a question mark on a brick background

    We get a lot of questions from new and existing homeowners concerning the FORTIFIED™ program, so we’d like to take a moment and answer the most common ones:   What is a Fortified™ home? A FORTIFIED™ home is one that utilizes uniform building methods designed to improve & strengthen new and existing homes […]

Regular Maintenance Means Less Damage & More Value

Man Holding Orange Electric Grass Cutter on Lawn

    Household chores, no one wants to get up early on a weekend and clean gutters or do yard work, but in doing so, you can, not only retain your home’s value but also lessen the likelihood of damage in the event of inclement weather or natural disaster that could lead to expensive repairs. […]

Is it Time to Reroof? 12 Signs That a Replacement May be in Your Future

image of roof of a modern house showing trees in the background and sky

    If you’ve ever had a child throw a ball on your house, or grabbed the ladder to clean your gutters, then chances are, you’ve taken a glance at an often forgotten but critically essential part of your home—the roof. While you were up there, did you think about the shingles that might be […]