Mar 14, 2018, 10:28 AM

Wind is a covered homeowners insurance peril, but losses involving trees are tricky.

Mar 7, 2018, 9:51 AM

Insurers periodically review policy claim activity to analyze future loss potential. Every loss is considered including at-fault and not-at-fault accidents, comprehensive claims, towing losses, etc. Nonrenewal occurs when the risk of future claims is more than the insurance company is willing to accept.

Feb 28, 2018, 11:03 AM

Heavy rain may cause sewer lines to back up or sump pumps to overflow. The excess water can ruin basement floors, walls, furniture, and more. Traditional homeowners insurance does not cover this type of loss, but coverage is available by adding a buy-back endorsement.

Feb 21, 2018, 11:29 AM

Recovering from flood damage can be financially devastating. Government assistance may be available, but only if the President declares the area a federal disaster zone. Federal disaster assistance is unreliable, and typically comes in the form of low interest loans that must be repaid. Having a separate, stand-alone flood insurance policy in place can mean the difference between recovery and financial ruin.

Feb 14, 2018, 1:40 PM

Illinois is home to many rivers, creeks, streams, drainage ditches, and lakes. This type of geography makes the state prone to flood events. Flooding is tied to severe thunderstorms, widespread rain events, a sudden thaw, and even urban sprawl. Floods can happen at any time of the year, and in every part of the state.