As spring rains continue to drench New York, the city is experiencing one of its wettest weeks of the season. While umbrellas may shield you from getting soaked outdoors, what protects you when the storm hits your property, your business, or your financial well-being?
At Skyscraper Insurance, we believe that true protection goes beyond the obvious — and that’s where umbrella insurance, along with the right suite of policies, plays a critical role.
When It Rains, It Pours — Especially in Insurance Claims
Ongoing rainstorms are more than a nuisance. They bring an increased risk of:
- Flooding and water damage to homes and commercial buildings
- Sewer backups and infrastructure issues in older neighborhoods
- Slippery conditions leading to personal injury or liability claims
- Vehicle accidents caused by low visibility and wet roads
- Operational disruptions to businesses due to weather-related closures
And for every storm-related event, there’s the potential for costly out-of-pocket expenses — unless your coverage is designed to handle the unexpected.
The Role of Umbrella Insurance
Umbrella insurance is often misunderstood as coverage solely for catastrophic events, but in truth, it’s one of the smartest layers of protection any individual or business can carry. It goes beyond the limits of your existing homeowners, auto, or commercial policies to offer extended liability protection, often in cases where:
- A guest is injured on your property and medical/legal bills exceed your primary policy limits
- You’re involved in a multi-vehicle accident and face lawsuits
- A customer slips and falls at your place of business
- You’re sued for libel, slander, or reputational harm
- Your business is found liable for damages far above what your general liability covers
In short, umbrella insurance covers more than just the weather — it covers your future.
Don’t Wait for a Storm to Reassess
With changing weather patterns and an increase in severe events across the U.S., insurers are adapting — and so should you. Now is the ideal time to review your full insurance portfolio, especially if any of the following apply:
- You’ve made improvements to your property
- You run a business with physical customer interactions
- You manage investment properties or rental units
- Your household includes teen drivers or high-net-worth assets
- You’ve had the same coverage for several years without a full review
Tips for Spring Insurance Readiness
Spring is a season of renewal — and a great time to get your insurance house in order. Consider these important steps:
For Homeowners:
- Inspect and maintain gutters, roofing, and drainage
- Review flood and water damage exclusions in your policy
- Add flood insurance if you’re in a risk-prone zone
For Commercial Clients:
- Evaluate your business interruption coverage
- Ensure your equipment and inventory are adequately protected
- Confirm that your liability coverage aligns with current exposure
For All Clients:
- Review your umbrella policy or request a quote if you don’t yet have one
- Update your agent on any lifestyle or business changes
- Schedule a risk assessment with our team
Skyscraper Insurance: Your Partner in Every Season
Rain or shine, our job is to make sure you’re covered. From standard policies to custom umbrella solutions, we provide strategic, forward-thinking insurance options backed by industry expertise and exceptional service.
Let us help you stay dry — financially, operationally, and legally — even when the skies open up.
Contact us today to schedule your complimentary policy review. At Skyscraper Insurance, we share your vision for a better tomorrow — and we make sure it’s protected today.
