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Busting Myths about Wildfire Risk in Western Washington

Posted by Robert Ferrell on April 16, 2019

We usually think of Western Washington as wet or at least damp, putting it at low risk for wildfires. But a reputation for rainy weather is not, unfortunately, protection against wildfires. 

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Topics: Home safety, Washington State, wildfire, forest fires, fire departments, Home Fire Protection

The Commercial Property Market Remains Hot, Making Now the Time to Understand Co-insurance

Posted by Bryan Stanwood on April 2, 2019

Many major urban areas feel like crane forests these days. In Chicago, 42 high rises are under construction,1 and in the San Francisco Bay Area, the largest construction projects collectively cost $22 billion, more than the gross domestic product of 80 countries.2 Central Seattle is home to 66 major construction projects, with 4.5 million square feet of office space slated to open this year.3

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Topics: P&C, Building Construction, insurance, Seattle, insurance agents

The Hidden Firefighting Crisis

Posted by Daryl Girnus on March 20, 2019

We all take for granted that, if a fire strikes, firefighters will respond to protect our homes and businesses from devastation. What many people don’t realize is just how many of those firefighters are volunteers.  

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Topics: fire departments, Home Fire Protection, FEMA, public protection

Cryptic Insurance Language - Part 2

Posted by Bryan Stanwood on March 5, 2019

In response to our blog about the cryptic language of insurance, many of you have asked for a sequel. Insurance is full of confusing terms, so we are all too happy to oblige. Hopefully we can shed a bit of light into the darkness with the following clarifications.

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Topics: insurance, home owners insurance

The Snow is Melting, But Hazards Remain

Posted by Bryan Stanwood on February 20, 2019

Now that the snow in Western Washington is beginning to melt and life is slowly returning to normal, it’s tempting to let your guard down. But melting snow brings with it some special hazards to be aware of and prepare for.

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Topics: Hazards, landslide

Protection Class Updates

Posted by Robert Ferrell on February 19, 2019

Providing our Subscribers with the best possible information and data to evaluate risk is our mission. We are constantly searching for new sources of information and, as technology and the world change, we must adapt and evolve to ensure you have the appropriate data. As we evaluated our Public Protection and Building Code Effectiveness Grading Schedule (BCEGS) Classification Manual, we noted that revisions were needed to accommodate the advances in fire protection methodologies and services.

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Topics: BCEGS, PropertyEDGE™, PROTECTION, Protection class, fire protection classes, Subscriber Services

TORNADOES IN WASHINGTON, HOW COMMON ARE THEY?

Posted by Bryan Stanwood on January 29, 2019

After a tornado ripped through Port Orchard, Washington in December 2018, the question on people’s minds was how common are tornadoes in the Pacific Northwest. We did some research and found some interesting stats.

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Topics: Risk Assessment, tornado, home owners insurance

Escaping a Wildfire

Posted by Cristina Pellet on January 15, 2019

 

The destructive and deadly California Camp Fire is still fresh in my mind and haunts my dreams due to my first-hand experience with wildfires.

The wildland urban interface or ‘where homes meet the forest’ is where I live.

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Topics: wildfire, forest fires

Soft Stories and Earthquakes

Posted by Robert Lacy on December 18, 2018

Sit down and get comfortable, because it’s time to hear a soft story. This story does not feature princesses, bean stalks nor giants; and hopefully, it won’t put you to sleep. It is a story that can give underwriters nightmares.

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Topics: earthquake

Do You Know Your Earthquake Classifications?

Posted by Robert Lacy on December 4, 2018

When the Big One hits, what kind of damage can you expect? While it’s up to fate as to how intense or severe the quake will be — or when it will happen — the fact is set in stone. Earthquakes can and do happen here.

 

 

In fact, Washington state is second only to California when it comes to earthquake risk, and this is reflected in our earthquake classifications.

  

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Topics: Insurance underwriting, Building Construction, GIS Mapping, Inspections, insurance, Hazards