Here in the Albany, NY area, we experience a diverse range of weather conditions depending on the season. We are used to hot and humid summers offset by frigid, snowy winters. Of course, the last few winter seasons have been much more trying than most. Climate change has hit us hard in this part of the country, significantly affecting both home insurance coverage and its overall costs. Since weather-related risks to property have sky-rocketed, we at NY Twin Bridges Insurance Agency feel that it is necessary to take the time to explain how these unprecedented changes may affect your policy terms and premiums in the future.

Weather and Climate Issues

Of course, our main cause for concern in Albany, NY are the harsher winters and their effects on your ability to sustain your home and property. Ice storms, dangerous amounts of snowfall, and extremely bitter cold temperatures can increase the chance of property damage, including downed trees, frozen pipes, and ice dams on your roof. As a matter of fact, insurers must pay close attention to the age and condition of your home’s roof. Missing shingles and leaks can lead to many weather-related issues in other areas of your home. Because of these considerations, local premiums are higher here than in regions with milder winters.

In addition, due to the new challenges introduced to the area due to climate change, there have been additional risks to homeowners that have not been traditionally covered in our area. That means that some insurers have limited coverage related to specific weather-related issues, while others have required a purchase of an additional rider or endorsement to cover such risks adequately.

Contact NY Twin Bridges Insurance Agency in Albany, NY

At NY Twin Bridges Insurance Agency, we understand that you want to relax knowing that your home and family are protected in the event of a weather emergency. That is why we encourage you to stop by if you have any questions about your coverage or whether or not additional coverage is needed. Please stop by anytime or give us a call. We would be happy to help!