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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-home > texas-homeowners-insurance-check-policies

Texas homeowners urged to check policies as extreme weather drives up costs, shifts coverage

1+ week, 6+ day ago   (546+ words) People often learn the fine print in their policy only after they need to make a claim. Homeowners in Texas deal with everything from tornadoes and wildfire danger to hail and flash floods. For many households, the financial fallout continues…...

The Cool Down
thecooldown.com > green-business > oklahoma-city-couple-sues-state-farm-report

Oklahoma City couple sues to force release of stalled State Farm roof-claims report

2+ week, 1+ day ago   (462+ words) An Oklahoma City couple is asking a judge to force the release of a state investigation into how State Farm handled denied roof-damage claims — a dispute that could carry implications far beyond one storm-damaged home, according to The Oklahoman. Homeowners…...

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thecooldown.com > green-business > home-insurance-palm-beach-county-rates

Florida says home insurance is easing in 51 counties, but Palm Beach owners say rates still climb

2+ week, 2+ day ago   (385+ words) "It has been going up, never went down." Florida officials have said home insurance premiums are finally starting to ease across much of the state, offering a small sign of relief after years of punishing increases for homeowners. But for…...

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…...

The Cool Down
thecooldown.com > green-home > illinois-homeowner-storm-insurance-payout

Illinois homeowner says storm insurance payout covers only a quarter of repair estimate

3+ week, 4+ day ago   (394+ words) "I cannot afford an additional $10k just to fix the very damaged parts." An Illinois homeowner shared that after summer storm damage left their roof, soffit, siding, and gutters badly damaged, their insurance payout is falling far short of repair estimates....