With summer weather approaching even before its due time, people are starting to miss a spring season that seemed to have been stolen from them. After all, only in the Northeast, the mild and relaxing weather that is most identified during the months between March and July didn’t really show itself in full, except for a few symbolic days. With thunder, wind, and full-on rain storms making a frequent debut along with below-average temperatures followed by a quick show of above-average heat, clocking in in the upper eighties and nineties, there really is a general cause for the sentiment.

And the loss of the genuine feeling of spring was not lost on those involved in the insurance companies or agencies. With claims nationwide involving home or business damage and auto collisions resulting from everything from floods and tornadoes to hail and windstorms, the spotlight has certainly been on the weather.

Therefore, a concisely written article on climate and its related effects on liability and safety seems appropriate.

Seven quick points to ponder about the weather and the ramifications of insurance

1. Among all the countries in the world, the United States is the most affected by damaging tornadoes that wreak havoc on homes, vehicles and property, not to mention the role they play in the loss of life. With approximately 1,200 annual tornadoes swirling through the corresponding seasons of the year, this is a major cause of insurance claims.

2. While Hurricane Katrina and Hurricane Sandy have become an integral part of tragic loss and lives and hundreds of billions of dollars in property damage, other hurricanes, cyclones and super storms are also the constant cause of serious losses , resulting in related claims and a change in coverage for coastal areas.

3. Blizzards and snowstorms across the country contribute to school closures, car accidents, roof damage, and more.

4. Just as cold weather can cause a home’s water pipes to freeze and burst, excessive heat can threaten crops and property.

5. Hail storms raining down on US states cause about a billion dollars in property and crop damage.

6. Rain, rain, and more rain and the resulting flooding are a real risk to homeowners, vehicle owners, and businesses, potentially exposing US property and crops to billions of dollars in damage.

7. Damaging winds are also known as straight line winds which are not related to tornadoes. Associated with speeds of 50 or 60 miles per hour and up to a hundred miles per hour, they are particularly dangerous for mobile home owners.

Weather affects us all. Make sure you have custom insurance coverage that can protect you from the potential devastation and damage caused by weather forces.