The Power of Convective Storms and Their Impact on Insurance

Severe convective storms are also known as thunderstorms. They occur when the rapid upward movement of warm air forms cumulonimbus clouds. These thunderstorms causing hail, tornadoes, and flooding are becoming more common and severe, creating an issue for homeowners looking to safeguard their properties.

Convective storms can be commonplace in certain regions of the United States and during certain times of the year. In the U.S. “Tornado Alley” is an area in the southeastern part of the country where severe convective storms and tornadoes occur more frequently than other areas of the country. By understanding the dynamics of convective storms, homeowners can better equip themselves to mitigate the weather risks and challenges that these storms present.

Convective Storms and the Issues They Cause

Convective storms have become a concern for homeowners. Here are some ways that these thunderstorms are a cause for concern:

Frequency and Intensity

Severe thunderstorms are occurring more frequently and with greater intensity than in the past. For homeowners, this means that there is an increased risk of property damage due to hail, tornadoes, and flooding. These events, separately or combined can lead to a rise in insurance claims.

Economy

After a severe storm strikes, it can lead to financial hardships. Damaged property can lead to higher costs for insurance companies and homeowners.

Best Ways To Mitigate Losses

By implementing certain mitigation measures, policyholders can reduce the impact of convective storms and minimize losses. This leads to a quicker recovery time.

Know your policy – Take some time to go over your insurance policy and know what it covers and what it does not cover. Make changes to your coverage if you think you will be lacking some protection. You can base this on where you live in the U.S. and the likelihood of damaging convective storms.

Property inspections – Regular inspections and maintenance allow you to identify potential vulnerabilities before a severe convective storm. You can also take time to perform storm hardening with your property such as installing storm shutters and reinforcing windows and doors.

Report claims quickly – You need to report claims to your insurance company as soon as possible. Make sure you have all the necessary documents and follow instructions from claims adjusters to help the process move forward.

Storm preparedness – Come up with an emergency preparedness plan that includes how to evacuate a dangerous situation, communication guidelines, and emergency supply kits.

Evacuation orders – Make sure you follow the guidance of local authorities on whether to evacuate, as well as other safety recommendations.

Insurance Solutions You Can Count On

COBIA Insurance Agency has insurance options to protect your home, vehicle, and more with our comprehensive insurance options. Our team members will work with you to tailor your policies to fit your unique needs. Find out why we have a 95 % renewal rate with our clients. We put our clients’ needs first!

Please contact us to learn more about our insurance options and how we can begin helping you. We want to give you the best protection available. We look forward to working with you!

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