Public Adjuster Insight

Idaho's fire risk landscape has dramatically changed in recent years, creating significant challenges for both homeowners and insurance companies. As of 2024, Idaho home insurance costs have surged by 17%, primarily fueled by increased wildfire risk. The state's growing population, which increased by nearly 10% between 2019 and 2023, has contributed to this trend, especially with an influx of new residents from California, Oregon, Washington, and Utah. Why Idaho Home Insurance Premiums Have Increased by 17% in 2024 | Insurify The Rising Cost of Fire Protection Though Idaho homeowners still pay less than the national average for home insurance ($1,918 versus $2,477 annually), the state's significant wildfire risk is driving premiums upward at an alarming rate. Some cities have been particularly hard hit - Meridian and Nampa saw premium increases of 21% between October 2023 and October 2024. Why Idaho Home Insurance Premiums Have Increased by 17% in 2024 | Insurify This in...

The Evolving Landscape Business interruption (BI) coverage has become increasingly complex for Texas businesses in 2025, with significant gaps emerging between what companies expect their policies to cover and what protection they actually provide. As companies recover from multiple years of disruptions—ranging from pandemic-related shutdowns to severe weather events and supply chain collapses—these coverage shortfalls are creating serious financial vulnerabilities for businesses across the state. Tightening Underwriting Standards Insurance carriers throughout Texas have significantly tightened their underwriting standards for business interruption coverage in response to mounting losses. Insurers are asking more detailed questions before offering this type of coverage, particularly for companies that rely heavily on overseas vendors or have complex supply chains. The Impact of Tariffs on Your 2025 Business Insurance Strategy - Watkins Insurance Group This heightened scrutiny has res...

Arizona's monsoon season brings a dramatic shift to the typically arid desert landscape. From mid-June through September, powerful storms sweep across the state, bringing much-needed rainfall but also potentially devastating damage to homes and property. Understanding your insurance coverage during this volatile weather period is essential for Arizona homeowners. What Defines Arizona's Monsoon Season? The Arizona monsoon season officially runs from June 15 to September 30, with storm activity typically peaking between mid-July and mid-August. These seasonal storms can produce intense rainfall, damaging winds exceeding 60-90 mph, destructive hail, dangerous lightning, and flash flooding. The rapid formation and unpredictable nature of these storms leave many homeowners vulnerable to sudden damage. Common Types of Monsoon Damage Monsoon storms in Arizona frequently cause several types of property damage: Roof damage : High winds can tear off shingles, tiles, or even entire ...

  The Canadian claims adjustment industry is experiencing a significant technological revolution, fundamentally changing how claims are processed, evaluated, and settled. This digital transformation encompasses various technological innovations that are reshaping traditional workflows, enhancing efficiency, and improving customer experiences across the insurance landscape. The Evolution of Claims Technology in Canada Over the past decade, the Canadian claims adjustment sector has moved steadily away from paper-based processes toward digital solutions. Initially, this transition involved basic digitization of forms and documents. However, today's transformation extends far beyond simple electronic filing systems to include sophisticated AI-driven analytics, mobile applications, drone technology, and integrated cloud platforms. Canadian insurers and independent adjusting firms have recognized that digital transformation is not merely about technology adoption but represents a comple...

San Antonio homeowners are facing an unprecedented financial challenge as property insurance rates continue their steep upward trajectory. This trend isn't merely an inconvenience but has evolved into a significant economic burden affecting families across the region regardless of their claim history or property condition. The Magnitude of the Increase The statistics paint a concerning picture. Texas property insurance rates surged by 21% in 2023, followed by another 19% increase in 2024. For San Antonio residents, these percentages translate to hundreds or even thousands of dollars in additional annual expenses. What was once a manageable cost of homeownership has transformed into a financial strain that forces difficult budgetary decisions. These increases aren't isolated incidents targeting specific neighborhoods or demographics. The trend spans the entire San Antonio region, affecting properties in all price ranges and locations. Even homeowners with spotless claim historie...