Disaster Preparedness

Wildfires are reshaping the way homeowners, insurers and independent insurance agents approach property protection—and the need for adaptation is urgent.

As wildfires, tornadoes and floods continue to disrupt the lives of millions across the U.S., our industry must face a hard truth: The current insurance purchasing journey often fails both consumers and the agents trying to serve them.

How independent agents can add value through comprehensive consultation and risk mitigation.

To keep premiums affordable, homeowners carriers are excluding coverage for what used to be standard covered perils. Cosmetic hail damage is one of those coverages that is increasingly becoming excluded.

Hurricanes Helene and Milton made it clear that hurricanes, storms and floods can happen anywhere and anytime and are not limited to the coast.

Brian Chapman, agent and owner of Chapman Insurance in Florida, sits down with Cassie Masone, vice president of flood operations at Selective Insurance.

On this episode of Agency Nation Radio, Owen Thomas, senior account executive at Dial Insurance Agency in Pembroke, North Carolina, shares his experiences from past hurricane seasons and how his agency has applied what it’s learned.