Innovations in treating chronic and complex conditions have eased people’s pain and improved their quality of life, but as with anything involving health care, there are signifi cant costs involved, and they keep rising. These innovations are known as specialty drugs. Capable of treating rare or complex conditions, such as cancer, Alzheimer’s disease, multiple sclerosis, and rheumatoid arthritis, one specialty medication can cost an individual—and subsequently their employer—tens of thousands of dollars in one year.

Benefits of business generosity and how you can cultivate it in your own organization.

Examples of how roof claims could be paid in a potential claim situation if your roof coverage is ACV/Limited Loss Settlement vs if your wind/hail deductible has increased.

The Wind/Hail Deductible is a separate deductible applied to your home policy in case of a loss due to wind or hail.

Limited Loss Settlement is similar to Actual Cash Value coverage in that it considers the roof's age and condition and may pay less than the full cost of replacement. Where it differs from Actual Cash Value is that the payout is based on a percentage that the company assigns to the type and age of the roof.

Learn about how roof coverage is changing and the difference between replacement coverage and actual cash value.

Three impactful trends regarding roof coverage that will affect all homeowner

How the impact of weather events is changing the way insurance companies pay for roof damage claims due to wind and hail.