For the past twenty years the interest in roofs by the insurance industry has increased exponentially. From simple questions about type and age the topic has evolved to high tech AI assisted ariel imagery being used to develop numerical scores. The images are used to identify roof covering material, estimate roof age, detect wet areas, and evaluate the condition of the roofing materials. We have previously written an article on insurance roof inspections. The Roof Score Techn

While parents focus on getting their children ready for school with new supplies, clothing and technology, they may be missing the need for insurance policy changes.

Most businesses need crime insurance, yet it is often overlooked and not discussed in detail. While an open-perils property policy may cover theft, it often excludes or sharply limits coverage for money and securities. Under a named-perils property policy, theft is typically excluded altogether. Employee theft is excluded under all property policies, so businesses with employees who handle money should carry crime insurance. Crime insurance must be carefully structured, with

The insurance industry has long been concerned with the impact of catastrophes (CAT) on their financial stability. The reinsurance market exists to smooth our results when a catastrophe strikes to maintain carrier solvency and market stability. Twenty-five years ago, the CAT concerns were hurricane and earthquakes. These exposures were geographically centered and were managed by monitoring the values accumulated in given areas. Managing and reporting your exposure accurately

As summer rolls on the heat index numbers will creep into the danger zone for heat stress emergencies. Heat stress is an equal opportunity hazard that affects anyone who is exposed to excess heat and is being physically active in that environment. Heat stress is an occupational hazard, but the exposure extends to any group exposed to high heat conditions. This includes family picnics, youth events and outdoor festivals and celebrations. Some groups are more susceptible to e

The hard sell on home warranties is on TV and in your mailbox. Some of the direct mail items look like bills or seem to be from a utility company. All share the scary stories about how owning a home is now a nightmare because of repairs. The answer is buying a home warranty product. This a truly a time to read before you buy. Do not rely on the advertising, look at the actual product to see what is being offered. Limits Can Be Low These products have specific limits for eac