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The Cool Down is mainstream America's guide to a cleaner, cooler future, making it easy for people from all walks of life to help themselves while helping the planet.
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- Aug 15, 2026earliest in window
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News
Florida homeowners warned as hurricane season peaks: Most policies still won't cover flooding
1+ day, 18+ min 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…...
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…...
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…...
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…...
Across the US, 44% of homeowners say home insurance now rivals their mortgage payment
3+ week, 1+ day ago (536+ words) For many homeowners, the cost of insurance is starting to feel almost as burdensome as the cost of the home loan itself. Results from a new SoFi survey hint at a national strain: higher premiums, policy cancellations, and lingering shortfalls…...
Texas report finds home insurance puts median-priced homes out of reach for two-thirds of households
3+ week, 1+ day ago (333+ words) Households across the state are having to devote more of their income to housing. For many Texans, the price of a house is no longer the only number determining whether homeownership is within reach: A new housing report found that…...
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....
Florida debt is lower than US average, but car loans, credit cards, and delinquencies run high
3+ week, 6+ day ago (441+ words) "Consumers are having to make choices." On paper, Floridians owe a bit less than Americans overall, yet that statewide average obscures some pressure points. Auto debt, credit card balances, and elevated delinquency rates are weighing heavily on many budgets across…...
Florida homeowners lose competitive insurance options once shingle roofs pass 15 years
3+ week, 6+ day ago (436+ words) "You have those companies that have the most competitive rates where they only want that under-15-year-old shingled roof." For Florida homeowners already grappling with steep insurance bills, the age of a roof can mean the difference between securing a…...
New GEICO filings could trim car insurance costs for 1.3 million Florida drivers
4+ week, 2+ day ago (289+ words) Auto insurance is one of those bills many people cannot avoid. Florida drivers could soon see another reduction in a major recurring expense. GEICO has said a pair of new auto insurance rate cuts in the state may lower costs…...