Call: 203-637-6655 or email – Kyle Shepard

With more than 40 years of experience in assisting property owners with protecting their home, with a home insurance policy, you would expect that we have seen it all.

But now we have Global Warming.

In the past 12 months we have had:

  • Hurricanes
  • Wild fires
  • Mudslides from heavy rains after the wildfires
  • Major hailstorms
  • A subzero Winter freeze

It’s surprising, in measuring all these events water damage is still the #1 claim against home policies.

It’s unfortunate that all these disasters are pushing up everyone’s rates!

Our view on the near future is location has become more dynamic! And prevention is a key to cost control.

Exposure to water, exposure to wildfire, and exposure to wind are being scrutinized as never before.

Implementing loss prevention and control techniques such as leak detection, generators, video surveillance, and even a fire wall for cyber protection are the new normal.

Implementing coverage with long term cost control now requires an intelligent structure and strategy. Without a great plan it is just more cost!

If you would like a second opinion on your coverage and future insurance premiums, contact Kyle at Shepard Insurance: 203-637-6655 or email

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