Have you ever noticed that cliches are a common response to unprecedented events? Perhaps it is because, in the face of an event with which we don’t have previous experience, it seems impossible to properly process, so we grasp for the familiar.
It’s our comfort zone. Our storm shelter.
Oddly enough, a cliche you may have recently heard a few times actually makes direct reference to the discomfort of that unknown. It has to do with the storms that blew through our region on December 15th – the hurricane-force, straight-line winds, the lightning, the tornadoes – and how if they showed us anything for certain, it’s that “anything can happen at any time”, and that “nothing is for certain.”
There is a meme going around social media that reads: “Nobody claim 2022 as ‘your year.’ We’re all going to walk in real slow. Be good. Be quiet. Be cautious and respectful. Don’t touch anything.”
While hilarious, it’s also quite representative of the way a lot of us feel. People are nervous for a lot of reasons, and it is not just a sentiment. It is all too real.
To mitigate that uncertainty, the new year is a great time to think about opening policies to fill gaps in your personal insurance coverage. This would include looking over your current polices with your Horihan agent to make sure that you are well prepared for 2022.
Perhaps preparation means something different now. Maybe in years past you didn’t have to worry about lightning and hail damage until near summer. But clearly these things are well within the realm of possibility right now. We just had a very severe, very summertime storm in mid-December, after all. Thinking ahead, who’s to say frozen and burst pipes in July are any less likely than that?
Insurance agents are forever noting how it is immediately after a storm like the one on December 15th that people discover they did not buy the amount of coverage they should have. Those two words – “should have” – are the words that keep people up at night. We do not want you to find out what you “should have” done at a time you need it most. We want your coverage to be there for you, working for you.
Let’s talk now so you know you are covered for whatever may come, whenever it chooses to come. Mother Nature seems to be a bit random in her habits lately, and frankly we don’t like it, and you likely don’t either.
Having said that, we hope you carry all of the best of 2021 into 2022, and we really do hope it is “your year.”