Category: Natural Disasters

Hurricane statistics, floods, fire storms, tsunami, earthquakes – we report the world’s natural disaster events. These life changing events not only rock the industry but leave residents and business owners in dire situations.

The 10% Debate: Can Texans Afford Windstorm Season?

Tate Ellison
Can Texans Afford Windstorm Season

Brace Yourself, Texas Windstorm Season Is Here The Gulf Coast is holding its breath. Windstorm season is in full swing, and with it comes the annual scramble to prepare homes, businesses, and communities for the worst. But this year, there’s more than just hurricanes brewing. A storm of legal and financial debates is raging over windstorm insurance rates—and it’s hitting coastal Texans where it hurts most: their wallets. Preparedness: Are We Ready? Hurricane season runs from June 1 to November 30, and experts are urging Texans to act now. The Texas…

Read More

Wildfire Smoke and Dementia – A Study’s Surprising Retraction

Ben Jones
Wildfire Smoke and Dementia Link

Update on Wildfire Smoke and Dementia Link Back in January, we shared some eye-opening findings about wildfire smoke possibly increasing the risk of dementia. Remember that? The study suggested that long-term exposure to particulate matter (PM2.5) from wildfires could raise dementia risk by 18% for every 1 µg/m³ increase in concentration. Alarming stuff. But now? There’s an update. A big one. Study Retracted—What Happened? It turns out the original study had a critical flaw. A single coding error—a misplaced “and/or” in their data analysis—led to major misclassifications in the dataset.…

Read More

The Big Gamble Behind Florida’s Reinsurance Strategy

Tate Ellison
Florida’s Reinsurance Strategy

Florida’s Hurricane Reinsurance Cuts Ripple Through Private Markets—and the Politics Behind It Florida’s decision to slash its hurricane reinsurance funding stems from , which took effect on July 1st. This legislative move has left insurers scrambling and is expected to have far-reaching impacts on private reinsurance markets—not just within Florida, but beyond its borders. Lawmakers’ controversial decision, prompted by the provisions of House Bill 5013, sets the stage for significant changes in how risk is managed and distributed across the industry. Let’s unpack it. How Private Reinsurance Markets Are Feeling…

Read More

Hurricane Relief Made Simple for Hawaii Condo Owners

Logan B.
Hawaii Hurricane Relief Fund (HHRF)

What Condo Owners Should Know About the Hawaii Hurricane Relief Fund What if your condo association couldn’t get hurricane insurance? Scary, right? For many condo associations, that nightmare was becoming a reality. Insurers were walking away or hiking premiums to unmanageable levels. But here’s the good news—Hawaii stepped in to help. The Hawaii Hurricane Relief Fund (HHRF) is back. After being dormant for years, the fund was reactivated in 2024 to help stabilize the shaky insurance market. And as of June 24, 2025, it’s open for business. Condo associations can…

Read More

The Wildfire Threat No Traveler Thinks About (But Should)

Live Insurance News
Wildfire Threat on travellers

Why Travel Insurance? Wildfires Are a Growing Threat You Didn’t See Coming Wildfires. You think they’re just a problem for homeowners, right? Wrong. They’re becoming a travel nightmare too. And here’s the kicker: most people don’t even realize it. Wildfires and Travel Insurance: The Overlooked Peril Imagine this. You’ve booked a dream trip to Europe. Flights? Paid. Hotels? Non-refundable. Then, boom—wildfires. Your destination is suddenly unsafe or inaccessible. What now? Without travel insurance, you’re stuck. Out of pocket. Out of luck. Travel insurance can cover trip cancellations, delays, or even…

Read More

The $1 Trillion Question: Can We Close the Global Insurance Gap?

Angela Linders
Insurance gap study for US and Globally

And We’re Not Just Talking Commercial Insurance—Residential Property Insurance Gaps Are Huge Too Let’s talk about a trillion-dollar problem. Yes, trillion with a “T.” A mammoth-sized hole exists in the insurance world—a gap so big that it’s leaving both lives and livelihoods hanging by a thread. And who’s sounding the alarm? Greg Case, CEO of global insurance giant Aon. He’s throwing down the gauntlet, calling for $1 trillion in private capital to plug this growing void. But what is this gap, and why does it matter? Pull up a chair.…

Read More

California Court Ruling Shakes Up Smoke Damage Claims

Ben Jones
California Fair Plan News Report

Big changes are coming to California’s insurance world. A judge just ruled against the FAIR Plan, the state’s fallback home insurance option for high-risk properties. What’s it all about? Smoke damage. And this decision could shake things up—for both homeowners and insurance companies. The Ruling That Changes Everything The issue? How the California FAIR Plan handles smoke damage claims. The judge ruled their approach was illegal. Why? Their policy limited smoke damage claims to only what they called “direct physical loss.” Basically, if the damage wasn’t visible to the naked…

Read More