Home Blog

With AZGUARD Support, CIBA Expands NexEdge in Midwest and Southeast

Supported by AZGUARD Insurance Company, member of Berkshire Hathaway GUARD Insurance Companies, commercial real estate insurance program CIBA recently announced the expansion of its NexEdge individual limits property product to the Upper Midwest and Southeast regions.

According to CIBA, the expansion reinforces its commitment to delivering tailored insurance solutions to its broker partners and their clients across the country. AZGUARD Insurance Company, a non-admitted carrier in CA, NY, and other states, already provides support for CIBA’s General Liability product.

Read more at Insurance Journal.

Contractors: After a Storm, Are You Covered to Help With Recovery?

In the weeks and months following devastating storms like hurricanes Helene or Milton, ravaged areas will welcome scores of contractors. These crews not only have the chance to help rebuild communities, but also to keep busy with new projects.

But in looking after their neighbors and their own businesses, contractors also need to protect themselves. And that means – especially for companies with little experience in disaster recovery efforts – having the right insurance coverage in place.

Sheneka Johnson, Underwriting Manager at Builders Mutual, and Jeff Lenhart, Director of Claims Litigation, discuss how to work with your agent and adjuster to help you thrive while you’re helping others recover.

Raising awareness of business hazards

While insurance policies function about the same whether companies are working in disaster recovery or under normal conditions, it’s crucial that contractors operating in a post-storm environment avoid potential pitfalls that could affect their coverage.

For example, contractors must be aware of local rules before going into a particular state to perform certain types of work. Different states have different certification and licensing requirements. If companies violate these requirements, they can be fined or incur other civil penalties.

Moreover, companies should pay extra attention to the type of work they’re intending to do. Do they have the necessary experience? If you’re a tradesman, will work be performed outside of your current trade? If you are a general contractor, do you have any expertise in restoration? Having heavy equipment, resources, and manpower doesn’t automatically mean that your company has the qualifications to perform a job effectively and safely, Johnson says.

If companies are looking to get into certain lines of work – restoration, for example – starting that journey after a hurricane may not be the best time, Lenhart says. That’s because job-sites may not have power, water, or sewer – adding difficult conditions on top of an already-steep learning curve.

Indeed, many contractors may not be ready for all the hazards found on a storm-ravaged job-site. There may be buildings that look structurally sound but could collapse at any moment, and standing water filled with snakes or even alligators, depending on the region.

Tips for securing the right coverage

What can contractors do to have the best chance of having their claims covered and paid for? It starts with having an accurate policy – and that starts with reaching out to their insurance agent well before work begins.

Come prepared to your agent conversation with information about:

  • The exact nature of the work. Be forthcoming with what tasks you plan to perform, and ensure your policy has accurate classification codes. If you tell your agents you’re doing electrical work and this does not actually represent the work being performed, there could be issues during an audit that could affect your premiums. Your agent will also want to know your experience, as well as that of your employees, so be prepared with a work history that can support your plans.
  • Location of work. Check that your policy covers work across multiple states if you intend to travel. When it comes to workers’ compensation, for example, a covered worker in Georgia may not be covered in North Carolina if you’ve crossed state lines to help with recovery. What’s more, if you have commercial auto coverage, how far your crews travel from their base of operations could impact your insurance premium.
  • Duration of project. Will your work last one to two weeks or for an extended period of time? That timeline will help your agent write your policy accurately. With that said, sometimes determining an exact timeline can be challenging, since the availability of materials and labor could be limited after a natural disaster.
  • Exclusions and gaps. Understand what items could be excluded, including mold or pollution work, under the CGL policy. Similarly, work with your agent to identify gaps in your coverage that may need to be filled with additional policies. For example, business operations are rarely covered for floods (the exception being commercial autos).

Filing a claim is easy

If things don’t go as planned on the job-site and you need to file an insurance claim, you’ll follow the same reporting process that you would at any other time. Policyholders should get in touch with their insurance company to report a claim. In the meantime, they should also take all reasonable steps to protect their property – for example, tarping a roof to prevent further damage.

However, just like with the underwriting process, the unique circumstances of disaster recovery can alter how claims are handled.

For example, if a policyholder is found to have materially misrepresented facts on their application about the nature of their work or experience, a claim could be denied. If proper certification or licensing requirements weren’t met, a claim could still be paid, but underwriting could be notified of this omission, resulting in potential premium increases.

Additionally, if a policy contains certain exclusions – say, a building’s roof isn’t covered as part of the business’s property coverage – then a claim to repair that roof could be denied. Again, one more reason to talk with your agent to ensure you have the coverage that’s right for your business.

Here are some tips to make the claims process go as smooth as possible:

  • Be patient. Adjusters are often overwhelmed in the wake of disasters. But Builders Mutual adjusters are committed to handling your claim with speed and accuracy.
  • Keep receipts. If you need to pay out of pocket for necessary, reasonable, temporary repairs to protect the property from further damage or to restore normal operations, keep your paperwork so you can be reimbursed.
  • Be proactive. Before your adjuster arrives, write down your concerns and take photos of any damage so you can provide a comprehensive account.

In fact, if there’s one thing that can best prepare you for disaster recovery coverage, it’s communication. Speak with your agent beforehand – and contact Builders Mutual at any time with questions or concerns about protecting your business and workers.

Do You Know Your Earthquake Classifications for Buildings?

0

According to WSRB, one day — when is anybody’s guess — a major earthquake will hit Washington state. When it does, what kind of property damage can you expect?

We can’t predict the severity of the quake itself, but we can help you better understand how individual properties will hold up during an earthquake. That information is captured in a building’s earthquake classification, a numerical value assigned to a building based on construction features affecting its ability to withstand an earthquake.

Unlike building codes, earthquake classifications are based on potential property loss, not life safety. From a property insurance perspective, they predict how specific building materials should perform in terms of loss.

When evaluating a risk for earthquake coverage, there are many factors to consider, including distance to fault, soil type, liquefaction, and, of course, construction materials. Here’s a quick guide to the construction component, along with some common exceptions and incorrect categorizations.

Wood Frame

A1

Wood frame or frame stucco buildings.

Excludes structures classified as wood frame for fire but have concrete-supported floors and/or some walls of unit masonry or concrete.

Previously classified as: 1C, 1D

All-Metal
Buildings

B1

All-metal buildings, including those with wood or
cement-asbestos roofing and/or siding.

Previously classified as: 2A, 2B

Steel Frame

C1

Buildings with a complete steel frame carrying all loads.

  • Floors and roofs: Any material.
  • Exterior walls: Any non-loadbearing materials.

Previously classified as: 3A, 3B, 3C

Reinforced Concrete and Structural Steel

D1

Structural system consists of:

  • Poured-in-place reinforced concrete frame.
  • Poured-in-place reinforced concrete interior and/or
    exterior walls.
  • Partial structural steel frame with reinforced concrete.

Floors and roofs: Poured-in-place reinforced concrete
(except that roofs of buildings over three stories may use
other materials).

Previously classified as: 4A, 4B

D2

Reinforced concrete frame or combined reinforced concrete
and structural steel frame.

  • Floors and roofs: Any material.
  • Exterior and interior walls: Any non-loadbearing materials.

Previously classified as: 4D, 5AA (not load bearing tilt-up)

D3

Structural system includes:

  • Partial or complete load-carrying system of precast concrete.
  • Reinforced concrete lift-slab floors and/or roofs.
  • Otherwise qualifying for Classes D1 and D2.

Previously classified as: 4C, 5AA (load bearing tilt-up, whether
less than 6 inches or >=6 inches)

Concrete, Brick,
or Block

E2 Buildings with load-bearing walls of:

  • Unreinforced brick.
  • Other unreinforced solid unit masonry.
  • Hollow tile or other hollow unit masonry construction.

Floors and roofs: Any material.

Previously classified as: 5B, 5C

E3

Buildings having load-bearing walls of adobe.

Also includes buildings not covered by any other classification.

Previously classified as: 5C

Exceptions and common mis-categorizations

  • Load-bearing tilt-up concrete construction is D3, not D2.
  • All-metal buildings with combustible sheathing and/or insulation are B1, not A1.
  • Interior finish does not affect earthquake classification.
  • All-metal buildings should be Class B1, not C1, regardless of size or type of steel supports.
  • Steel frame buildings with non-load-bearing reinforced concrete panel walls are classified C1, not D2.
  • Buildings with metal stud walls and wood truss roofs are classed as E2.
  • Basement walls are excluded unless the basement is only partially below grade and considered a story.
  • Brick and stone veneers do not affect a building’s earthquake classification; however, there may be an additional premium if the veneer is covered under the policy.

You’ll find the earthquake classification for buildings WSRB has inspected in our commercial property reports. When you look at the classifications, remember that they’re just one part of the equation. Multiple factors affect a property’s potential for earthquake damage.

Learn more about WSRB.

EMC Announces Top Agencies Across the Country

EMC Insurance announced its top appointed insurance agencies from across the country as recognized in its Partner Success Program.

The program is designed to assess the various levels of performance and recognize achievement of EMC-appointed agencies nationally. Tiers are based on a three-year weighted average score of several key criteria, including loss ratio, premium volume, premium growth, and premium retention.

EMC is pleased to recognize agencies within the top two tiers, Champion and Achiever.

Champion Tier Top Insurance Agencies

Champions are the top-performing agencies, and exemplify dedication to growth and profitability, building strong, mutually beneficial partnerships. Champions represent roughly 4% of all EMC agencies.

View the list of EMC Champion agencies.

Achiever Tier Top Insurance Agencies

Achievers are agencies that consistently deliver strong results, meeting and even exceeding their goals. They maintain a close relationship with EMC to strategically determine the most effective approaches for growth and profitability. Achievers represent about 16% of EMC’s agencies.

View the list of EMC Achiever agencies.

About EMC Insurance

EMC Insurance has approximately 2,200 employees and is among the top 60 property and casualty insurance organizations in the country based on net written premium. Employers Mutual Casualty Company (EMCC) was organized in 1911 to write workers’ compensation protection in Iowa. Today, operating under the trade name EMC Insurance, the company provides commercial property and casualty lines, bonds, and life insurance products and services throughout the United States. EMCC is licensed in all 50 states and the District of Columbia. For more information, visit emcinsurance.com.

The Case for Diversification: Is Your Agency Too Dependent on One Carrier?

0

According to SIAA, the past few years have involved tough decisions for many agencies—moving business to any market willing to write it, shifting accounts from standard to E&S carriers, and adjusting to tightening appetites and unpredictable underwriting. Now, as some standard carriers begin easing restrictions and reopening classes of business, it’s time to take a closer look at your book of business—and how balanced your carrier relationships really are. If your agency is too dependent on one carrier, it’s time for diversification.

Depending too heavily on one carrier may have made sense during the height of the hard market, but it can quietly introduce risk. As conditions change, agencies with flexibility through multiple carrier relationships will be better positioned to serve clients, restore profitability, and take advantage of emerging opportunities.

What Overdependence Looks Like

A strong carrier relationship is an asset—until it becomes a constraint. When a large percentage of your book is concentrated in a single market, your agency may be exposed to shifts in appetite, commission structures, or underwriting guidelines that are beyond your control. It can also limit your ability to offer competitive options or tailor coverage to client needs.

Some signs that your agency may be overly reliant on one carrier include:

  • Most new business automatically being directed to the same market
  • Difficulty placing risks outside a core appetite range
  • Limited leverage when negotiating service, support, or compensation
  • A contingency bonus structure that strongly depends on one carrier’s performance

In a more stable or growth-focused market, these issues can be easy to overlook. But when conditions change, they can create real vulnerabilities.

Why Now Is the Right Time to Re-Evaluate

During the peak of the hard market, many agencies placed business wherever coverage was available—often outside their preferred carrier lineup. Carriers like Progressive or various E&S options stepped in where others pulled back, tightened guidelines, or paused growth in key segments. That strategy made sense under the circumstances. But today, some standard carriers are re-engaging. Appetite is shifting, and opportunities are re-emerging to align business with carriers that offer stronger long-term value.

These include broader eligibility, improved pricing, enhanced service, and renewed access to programs like profit-sharing and marketing support.

This is not just about moving business for better compensation—it’s about restoring balance. Reconnecting with strategic carrier partners ensures your agency is positioned for sustainable growth in a more competitive environment.

Diversification Without Disruption

This process doesn’t require a complete overhaul. The goal is to take inventory of where your business is placed, evaluate risk exposure, and begin shifting placements where it makes sense, especially for renewals or accounts that were moved out of necessity rather than fit.

For many agencies, E&S and brokerage relationships became essential during the hard market—and they remain a vital part of a well-rounded market strategy, especially for niche or hard-to-place risks. As the market shifts, however, it’s worth reassessing whether some standard business that was placed in E&S out of necessity may now be eligible for return to core markets. In some cases, moving back could offer benefits like improved pricing, broader coverage options, or eligibility for profit-sharing and support programs.

Future-Proofing Your Growth

Building a more balanced carrier mix is about resilience. It gives your agency options when change happens, strengthens your negotiating position, and allows you to remain client-focused instead of carrier-constrained.

The market is beginning to shift. Agencies that proactively evaluate and diversify their carrier strategies now will be better equipped to serve clients, improve revenue, and grow with confidence, regardless of what comes next.

Learn more about SIAA.

Job-Site Safety: 6 Low-Cost Ways To Create Safer Job Sites

Spending money on job-site safety has always been a matter of priorities, especially since safety doesn’t directly translate into higher productivity. During high-inflation times, justifying these expenses can be even harder.

On one hand, though, investing in safety pays off in the long run, both in terms of better worker health and lower insurance costs. On the other hand, improving safety on the job-site doesn’t have to cost a lot – or anything at all.

Andrew Walters, Senior Risk Management Consultant at Builders Mutual, discusses six low-cost ways to keep your crews safe – and why people should always come before profits.

1. Clean it up

A piece of trash in a stairway. A puddle of spilled chemical. No biggie, right? Overlooking small hazards can result slips, trips, and falls – frequent claims that could lead to bigger injuries.

As the saying goes, a clean site is a safe site. And that starts with regular housekeeping: maintaining clear walkways, bending over protruding nails, and quickly drying up any spills, to name a few.

Practicing good housekeeping does come with a cost: labor. However, contractors should make sure that they have designated laborers to perform housekeeping, so high-value tradespeople don’t spend their time cleaning up. Otherwise, regular work area cleanup is everyone’s job.

2. Require PPE use 100% of the time

The cost to wear personal protective equipment? Not high. The cost of not wearing PPE? If a catastrophic injury occurs, injury and claim expenses could reach seven figures.

Many workers wear their hardhats, glasses, and gloves only when they’re performing certain tasks. But a jobsite is a dynamic environment. Walters recalls an incident in which a worker had removed his safety glasses to take a measurement. Next to him, another worker had been using a tool that sent a piece of metal shrapnel into the first worker’s face. He lost his eye.

Minor eye injuries can cost between $2,000 and $9,000, Walter said. An eye injury like the one Walters described can cost as much as $350,000. “How much does a pair of glasses cost?” Walters reflected.

3. Conduct frequent toolbox talks and safety meetings

When a foreman inspects a job-site, they’re often reviewing production levels and ensuring quality control. But they should also be consistently looking out for a third element: safety.

Safety shouldn’t be compartmentalized, Walters says, meaning that it needs to be integrated into a crew’s normal routine. Safety discussions can come during formal toolbox talks, or in less formal conversations. For example, if a worker is performing many tasks using a ladder, a foreman can take them aside and give them a brief lesson on proper usage. Whatever format is used, make sure to give employees a chance to interact and engage so the lessons sink in, and they can feel ownership in the safety program.

The important thing is that safety starts at the top. A crew leader or foreman sets expectations about what is and is not acceptable – and then communicates these expectations clearly and frequently.

4. Inspect the job-site routinely

Regular job-site inspections aren’t simply an OSHA requirement. They’re a nearly free way to identify and correct some of the other low-cost practices – housekeeping, PPE use – that can improve safety. And besides, if an OSHA compliance officer does find multiple safety violations during an inspection, it’s likely they’ll also add a citation for failure to regularly perform job-site inspections, Walters says.

And don’t forget vehicle inspections. Vehicle accidents account for a growing share of claims expenses, Walters says. Walk around your vehicles to check tire tread, mirrors, and any other parts that could affect the vehicle’s performance.

5. Train your employees

OSHA requires employee training in a variety of areas, from fall protection to working with chemicals. Meeting these requirements, especially if extra certification is needed, can quickly become expensive.

Here’s the good news: OSHA rules often allow for this training to be done in-house. There may be no need to hire expensive outside consultants, as long as you have knowledgeable personnel who can competently perform the training.

And don’t forget about asking your vendors for a little help. If you bought a large quantity of fall protection equipment or rented some forklifts, see if the vendors or rental companies will send out someone to conduct training on how to use the equipment properly. “It never hurts to ask. And often they’ll be happy to do it,” Walters says.

6. Get up and stretch

As you can see by now, prevention is a better strategy to cost-effectively solve a problem than fixing it after the fact. That also holds true for a worker’s body.

Leading a group “stretch and flex” every morning before work can loosen up the body’s joints and muscles, which is especially important for older workers. Starting the day with some warmup exercises can help workers avoid costly injuries to their backs, shoulders, and knees. Throw in some demonstrations on proper lifting technique, and the day is off to a good start.

Your workers’ health – that should always be your first priority. “Everyone thinks in terms of dollars,” Walters says. “But when your focus is on people over profits, the decision to take one of these six steps become a lot simpler.”

For help taking your first step toward a safer job-site, Builders Mutual is here for you. We have a robust library of Toolbox Talks and safety videos that you can show to your employees. Looking for a more personal touch? Our risk management consultants can visit your workplace to do a safety walkthrough with your team or conduct training tailored to your workers’ needs.

Contact your Builders Mutual risk management consultant today to keep your crews safe without breaking the bank.

Stonemark, Inc. Is Now Part of IPFS

0

We are thrilled to announce that Stonemark, Inc. is officially part of the IPFS family. With this acquisition, which closed on April 1, we welcomed 48 new associates and nearly 4,000 agency clients.

The acquisition marks an exciting moment for the insurance industry, bringing together two organizations each known for providing exceptional service and client care. The alignment in our values, backgrounds, and company cultures made this acquisition a natural choice for both IPFS and Stonemark.

We look forward to embracing Stonemark’s team members and clients as they fully transition to IPFS in the coming months.

Learn more about IPFS.

How Independent Agencies Can Compete and Win in a Shifting Market

0

According to SIAA, the past few years have been defined by hard market conditions, with premium increases across personal and commercial lines. Clients may be frustrated by rising rates, and many are shopping for alternatives. At the same time, digital-first carriers and insurtech disruptors continue to reshape the way people buy and manage insurance. For independent agencies, this means competing on value, not just price. Consumers are looking for advisors, not just salespeople, and independent agencies that focus on education, transparency, and relationship-building will win in the long run.

Playing to the Strengths of Independent Agents

Direct-to-consumer models may have convenience, but they lack one major advantage: human expertise. Unlike captive agents, independent agents can provide multiple carrier options and take the time to match clients with the best coverage for their needs. Clients also appreciate having a real person to call—someone who understands their circumstances and can offer personalized guidance when policies change or claims arise. Additionally, independent agents often have strong local relationships that national brands can’t replicate. Being embedded in the community builds credibility, helps with referrals, and creates deeper connections with clients. Highlighting these advantages—through marketing, client conversations, and renewal discussions—can help independent agencies stand out in a competitive marketplace.

Competing on More Than Price

While price matters, competing only on premium is a losing strategy—especially in a market where rates are rising. Successful agencies focus on value and education instead of just numbers on a quote. Becoming a trusted resource for clients goes a long way. Proactively reaching out to explain policy changes, conducting annual reviews, and offering risk management advice positions an agent as a knowledgeable advisor rather than a salesperson. Clients who understand their coverage choices are less likely to shop around based solely on price. Bundling policies can also add value—rather than just presenting discounts, explaining how different coverages work together (such as home, auto, umbrella, and cyber liability) strengthens client confidence in their policies. Transparency is also key. Clients may be frustrated by premium increases, but walking them through their options—rather than simply trying to lower the price—builds trust and long-term loyalty.

Maximizing Retention & Growth

For many agencies, the easiest revenue opportunity is within their existing book of business. Retaining current clients and deepening those relationships should be a priority. Annual policy reviews are a simple but effective way to identify coverage gaps, especially as clients experience life changes like adding a driver, buying a home, or expanding a business. Cross-selling opportunities are another way to strengthen client relationships—clients who bundle home, auto, and umbrella coverage are more likely to stay with their agent long-term. And when clients are happy, they refer others. A strong referral strategy, combined with a focus on reputation management (such as encouraging Google reviews), can generate steady growth without the need for expensive lead programs. Meanwhile, prospecting should evolve beyond traditional cold calling. Digital strategies—like social media, community engagement, and video marketing—can help agents attract leads in a way that feels natural and engaging.

The Role of Technology in Staying Competitive

Independent agencies don’t need to be tech companies—but they do need to use technology strategically to stay efficient and competitive. Marketing automation and CRM tools can streamline client communication, ensuring that policy renewal reminders, educational content, and follow-ups happen automatically. Video and social media marketing continue to gain traction, allowing agencies to showcase their expertise and connect with prospects in a more dynamic way. Meanwhile, AI-driven data insights can help agents track policy trends, renewal risks, and sales opportunities to stay ahead of market shifts.

Long-Term Positioning for Success

The market will continue to shift. Direct-to-consumer models, embedded insurance, and evolving carrier appetites will reshape how insurance is sold—but independent agents who focus on relationships, education, and strategic positioning will thrive. By embracing technology, playing to their strengths, and adapting to changing client expectations, independent agencies can not only survive but grow in today’s insurance market.

Learn more about SIAA.

Geneau M. Thames, Esq. Named One of Maryland’s Top 100 Women for Second Time

The Daily Record has named Geneau M. Thames, Esq., Vice President, General Counsel & Corporate Secretary of Harford Mutual Insurance Group, to its 2025 list of Maryland’s Top 100 Women. This is the second time Thames has received this recognition, after being named an honoree in 2020.

“I am truly grateful and humbled to receive this award for the second time and to be acknowledged among such inspiring women leaders,” said Thames.

Thirty years ago, The Daily Record founded Maryland’s Top 100 Women to recognize outstanding achievements by women demonstrated through professional accomplishments, community leadership and mentoring. Nearly 2,000 women have been honored to date.

Thames has more than two decades of legal experience. She joined Harford Mutual in 2015 and serves as the chief legal advisor to executive management and the Board of Directors. Thames currently serves as a member of the Maryland State Ethics Commission, Maryland Association of Mutual Insurance Companies (MAMIC), and National Association of Mutual Insurance Companies (NAMIC). She also serves as President of the Board of Directors for There Goes My Hero, a nonprofit organization supporting blood cancer patients. Thames was named a Leader in Law in 2022 by The Daily Record.

A panel of business and legal professionals, previous Maryland’s Top 100 Women honorees from throughout the state, and a representative of The Daily Record reviewed the final applications and selected this year’s honorees.

“For the past 30 years, The Daily Record has celebrated the incredible achievements of Maryland’s Top 100 Women, and this year’s honorees are stellar. These inspiring leaders have made significant contributions to Maryland and beyond. They are high-achieving role models who mentor and encourage future generations to pursue their own paths and ambitions,” said Suzanne Fischer-Huettner, managing director of BridgeTower Media/The Daily Record.

Maryland’s Top 100 Women will be honored at a 30th anniversary reception and awards celebration on May 5 at Towson University Arena, Auburn Drive in Towson.

Learn more about Harford Mutual Insurance Group.

Snow Melts: The Snow Is Melting, But Hazards Remain

0

Now that the snowy season has begun to fade across the state, it’s tempting to let your guard down. But snow melts, especially on the passes, bring some special hazards to be aware of and prepare for, according to WSRB.

For example, did you know that melting snow increases the moisture in soil faster than rain does? It’s true, and all that water can saturate the root systems of trees, making them less stable than normal. Trees are more likely to topple and block roadways, creating traffic hazards. Falling trees can also down power lines, causing outages. Windy weather, which is common in Washington winters, only increases the chances trees will fall.

Saturated soil also increases the potential for mudslides and landslides. Washington is already one of the most landslide-prone states in the country, according to Washington’s Department of Natural Resources. Landslide risk is especially high after a heavy rainfall or rapid snowmelt.

Not all the snow will melt into the ground, of course. Much of it will end up on the roadways. There, it can turn to ice when overnight temperatures fall below freezing. In warmer areas, the water pools over roadways and increases the chances cars will hydroplane. Hydroplaning sounds fun, but it’s actually dangerous. Your car loses contact with the pavement, and you are effectively driving on water. In other words, you have no control over where your car is going or how fast it’s getting there.

If you’re planning a ski, snowboard or snowshoe trip, remember warming temperatures or high winds can set off deadly avalanches.

What can you do to stay safe as the snow melts?

  • Prepare for potential power outages by stocking up on supplies and keeping your critical devices charged.
  • Check on your neighbors, especially if the power does go out, to ensure they’re safe and sound.
  • Stay away from any downed power lines.
  • When you’re driving, watch out for downed trees and standing water. Obey all road signs, including closures, and remember: Your car is not a flotation device. If you can’t see the road because it’s under water, don’t drive on it.
  • If you are in or will be traveling to an avalanche-prone area, visit the Northwest Avalanche Center’s website to get the latest updates on avalanche risk. And remember that more snow, which many mountainous areas are forecast to get, further increases the chances of an avalanche.

Learn more about WSRB.