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News

The Cool Down
thecooldown.com > green-home > florida-homeowners-hurricane-insurance-coverage-flooding

Florida homeowners warned as hurricane season peaks: Most policies still won't cover flooding

1+ day, 1+ hour ago   (453+ words) A standard homeowners insurance policy in Florida usually does not include flood insurance, which Treasure Coast News said is worth remembering as the 2026 Atlantic hurricane season reaches its peak. When a storm dumps rain, pushes water higher, and leaves a…...

The Cool Down
thecooldown.com > green-business > california-fair-plan-insurance-hike-fire-risk

California FAIR Plan rates rise October 15, with biggest increases in wildfire-risk areas

2+ week, 6+ day ago   (571+ words) The FAIR Plan was meant to serve as a backstop for people shut out of the regular insurance market. For hundreds of thousands of Californians who have already been pushed onto the state's insurer of last resort, another major housing…...

The Cool Down
thecooldown.com > green-business > texas-homeowners-windstorm-insurer-lawsuit

Texas homeowners say insurance company fraudulently cut Hurricane Beryl repair estimates

2+ week, 6+ day ago   (296+ words) In one case, the altered estimate allegedly reduced the payout by 66% — from $91,000 to $31,000. Three Texas homeowners filed a federal lawsuit alleging that the Texas Windstorm Insurance Association fraudulently reduced repair estimates for properties damaged by Hurricane Beryl, leaving them short…...