disaster insurance

Flooding causes more property damage than any other weather related event and occurs in all 50 states. You should understand potential flood vulnerabilities you may have at home. The Red Cross or the local planning and zoning department can help you if you are unsure.
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Extreme weather is becoming more and more common these days, but even run-of-the-mill heat, rain, or snow can ruin an event or make it very difficult to carry out certain business operations, like construction. And when you have put thousands of dollars into a multi-day festival, film shoot, wedding, outdoor sale, or any type of activity that can be negatively impacted by the weather, it can be devastating to have to cancel or postpone due to intense heat or a dangerous storm. Even worse, you might not be able to recoup your costs, unless you have weather insurance.
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A few short months ago, many of us, and around the world, quickly learned that we were not prepared for an emergency. And while it didn't turn out to be the type of emergency we thought it was; there was really no need to buy all that toilet paper. It reminded us that we are not invincible, and that we really should have an emergency plan and supplies in place. If you haven't already put together your own emergency plan and supplies, it's not too late. Take the following steps to make sure your family is prepared.
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Trees add a lot to a community and neighborhood in New York, and they even enhance the value of the properties they inhabit. But if not properly maintained, they can cause safety issues, increase the risk of fire, damage homes, interfere with power lines or plumbing; or become diseased and even die. Whether your trees are new, young or mature, don't leave their health up to chance. Here are some ways to maintain trees on your property.
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The term "catastrophe" brings to mind an event so disastrous, so "out there," that the odds of it happening to us are very, very low. Hail, wildfires, tornadoes, winter and tropical storms and man-made disasters like explosions can all qualify as catastrophic events. Yet none of these normal occurrences (depending on where you live) are covered by a standard home or business owner's insurance policy. Keep reading to find out whether catastrophe insurance makes sense for your home or business:
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Yes. Floods, earthquakes, and acts of terrorism are typically not included in coverage.
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