When you hear the word hurricane, what’s the first thing that comes to mind? Strong winds? Flooding? Roofs flying off? A hurricane is actually a giant, well-organized storm that forms over the ocean when several conditions come together: The ocean water must be very warm. The air must be full of...

Imagine paying thousands of dollars a year for your homeowner’s insurance… only to find out that, when you finally need it, your insurance won’t cover anything—because your deductible is higher than the damage. It might sound unbelievable, but this happens every single week to thousands of...