Tag: Storm & Weather

Raising a coastal home can lower NFIP and private flood premiums, but the project itself creates insurance gaps. What Connecticut shoreline owners should know before, during and after elevation.

The NFIP does not cover docks, piers or seawalls, and many homeowners policies exclude wave and flood damage to them. Where Connecticut waterfront owners find coverage, and how storm repairs are permitted.

The Connecticut FAIR Plan is the property insurer of last resort. Its $350,000 dwelling limit, named-peril coverage and exclusions make it a stopgap, especially for high-value and coastal homes.

Connecticut marinas hold millions of dollars of customers' boats on the hard and in the water. The marina operator's liability, property, pollution and workers' compensation issues specific to the Sound.

In Connecticut, your own homeowners policy usually pays when a tree falls on your house, even if it was your neighbor's tree. The exception is a tree the owner knew was dead or dangerous. How claims, tree removal limits and deductibles work.

In many Connecticut towns, the homeowner or business next to a public sidewalk, not the town, is liable when someone slips on snow or ice. How Section 7-163a works and how your insurance responds.

Practical ways Connecticut homeowners reduce premiums in 2026: deductibles, roof upgrades and FORTIFIED construction, protective devices, bundling, claim habits, and when to shop through an independent agent.

Many general liability policies exclude snow and ice removal, and personal auto policies exclude plowing for hire. What Connecticut plow and landscaping contractors need, and what property owners should require.

Business interruption pays lost income only after covered physical damage, and an off-site power outage is usually not covered without a utility service endorsement. How it works for Connecticut storms.

A percentage hurricane deductible on a multi-million-dollar Connecticut shoreline home is a six-figure number most owners have never actually computed. Here is exactly when it applies, how much, and where.

Connecticut became the first state to give every resident an address-level climate risk score at no cost. Here is what the five risk categories actually measure, and why one independent study says the flood number runs high.

Homeowners watercraft coverage stops well short of a real boat. Here is how hull valuation, navigational limits, hurricane haul-out, fuel spill liability and wreck removal actually work on Long Island Sound.

A weekend house on the shoreline is underwritten as a different risk than the house you live in. How vacancy provisions, freeze warranties, named-storm deductibles, flood, rental use and umbrella coordination actually work.

Winter weather can cause significant property damage. Learn what your Connecticut insurance covers for snow, ice, and winter storms.

Protect your Connecticut property this hurricane season. Learn what insurance covers storm damage, flood protection, and essential preparation steps.