Featured

Staying safe during tornado season means more than just where to hide

By Mike Mosser
Staying safe during tornado season means more than just where to hide

The southern states and east of the Rocky Mountains might be known as “tornado alley,” but a twister can strike nearly anywhere in the U.S. The key to surviving one starts with paying attention, having a plan and don’t stand in its path like Tim Samaras. As director of the scientific field program Tactical Weather Instrumented Sampling in Tornadoes EXperiment, Samaras’s work is featured on the Discovery Channel show “Storm Chasers.” He’s also the only…

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Stupid criminals never seem to give up on insurance fraud

By Mike Mosser
Stupid criminals never seem to give up on insurance fraud

The allure of insurance fraud must seem like a quick and easy way to get some cash, so it’s understandable why it never goes away. What’s harder to figure out is why some criminals make it so easy for someone to bust them. When looking at some of their hairbrained schemes, it seems like an unfair battle between the fraudsters and those who catch them. “The fraud world has an endless supply of knuckleheads reprobates…

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Long-Term Care insurance is more than nursing home care

By Mike Mosser
Long-Term Care insurance is more than nursing home care

Originally begun in the 1980s, Long-Term Care insurance has been going through major structural changes over the past few years for a variety of reasons. Companies have been leaving the market and rates are on the rise. Some experts say the time to buy a policy is now, before the market gets any tighter or rates get any higher. Those companies still in the market are becoming more stringent in what they provide, such as no…

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Critical illness insurance provides a cash infusion when sickness strikes

By Mike Mosser
Critical illness insurance provides a cash infusion when sickness strikes

Anyone facing a critical illness, such as cancer, a heart attack or a stroke, has to deal with more than just a physical and mental struggle—it can have a tremendous financial impact as well. Even those with health insurance can take a hit from co-pays, lost income, lifestyle changes and items not covered by their provider. A 2009 study by Harvard University found that 62 percent of all bankruptcies in the U.S. were the result…

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Insuring art: Covering a collection in case of loss

By Mike Mosser
Insuring art: Covering a collection in case of loss

  By Mike Mosser, Consumer Insurance Guide Whether it’s a box of old coins, an authentic Picasso or an heirloom just waiting for an “Antiques Roadshow” moment, keeping track of and insuring one’s valuables is something that’s easy to overlook. A homeowner’s insurance policy may not fully cover everything in the home and their records might not be complete. How real is that Dali in the window? Salvador Dali was one of the most popular…

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Sinkhole insurance policies rest on unsettled ground

By Mike Mosser
Sinkhole insurance policies rest on unsettled ground

The term sinkhole conjures up images of the Earth opening up and swallowing an entire house. As impressive and downright scary as this is, such events are rare and might not even be actual sinkholes, for the term has different meanings for geologists, insurance law and the general public. Sewer line and water main breaks have been known to carry away the soil below a street and cause a sudden collapse of a roadway or…

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In the hot seat: How elected officials handle their liability risk

By Mike Mosser
In the hot seat: How elected officials handle their liability risk

From sanitation workers to the mayor’s office and everywhere in between, local governments deal with the public in ways that expose them to a range of liability claims and potential lawsuits. State laws provide varying levels of immunity particularly for ministerial or legislative actions such as passing zoning ordinances or building codes, yet that doesn’t stop local governments from needing legal representation and liability insurance. Darcee Siegel, city attorney of North Miami Beach, Fla. says…

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Superbowl Sunday could be fatal for some diehard fans

By Mike Mosser
Superbowl Sunday could be fatal for some diehard fans

There’s more to the Super Bowl than grown men hitting each other, pop tarts tripping over the national anthem and overproduced ads that disappoint—there’s also the issue of spectator health. After all, a Super Bowl party wouldn’t be complete without a cooler full of suds, mounds of fatty, salty foods and a relish tray that usually gets ignored. Unfortunately for many, what also gets ignored are health problems that take a back seat to watching…

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To avoid deer collisions, stay alert and know how to react

By Mike Mosser
To avoid deer collisions, stay alert and know how to react

When deer and vehicles collide the results can be fatal and not just for the deer. Even trying to avoid hitting one can result in an accident if not handled correctly. A mature buck can weigh 200 pounds or more and cause major damage and injuries, but so could hitting a tree or rolling a car while trying to steer clear of an encounter. Deer collisions can happen any time of year but spike tremendously during…

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