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The Cool Down is mainstream America's guide to a cleaner, cooler future, making it easy for people from all walks of life to help themselves while helping the planet.
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News
Florida renters catch a break as nearly 122,000 policies get a 12.8% rate cut
2+ day, 11+ hour ago (416+ words) Current customers are likely to see the lower rates on different timelines. Florida renters squeezed by housing costs will soon get relief on one monthly bill. Florida Insurance Commissioner Mike Yaworsky has approved a sizable cut to renters insurance rates…...
Florida family left home for a year after Ian, now says insurance won't cover seawall collapse
2+ day, 16+ hour ago (281+ words) "You have to have the money to be able to fix it. And if you don't, then you're kind of screwed." What happens after a hurricane forces a family out of their home for a year, only for them to…...
South Carolina homebuyer with VA loan hung up on 15-year-old roof: 'Is it unreasonable?'
4+ day, 11+ hour ago (632+ words) "Before you negotiate the roof, call an insurance agent with the address and roof details." Buying a home with an aging roof may sound like a straightforward negotiation over repair costs. But for one South Carolina buyer using a VA…...
Homeowner got a clean sewer inspection, then an upstairs shower flooded the first floor
4+ day, 20+ hour ago (459+ words) "Cat 3 water contamination means we will need to rip up all affected flooring and drywall." After a sewer backup flooded a home's entire first floor, the owner took to Reddit's r/FirstTimeHomeBuyer community to search for advice and see if…...
Florida roofers warn roof replacement costs jumped 33% nationwide, with more increases ahead
6+ day, 17+ hour ago (540+ words) "Right now we are holding firm, but every day is a challenge." A new roof is among the most expensive repairs homeowners can face. Contractors in the Tampa, Florida, area say those costs are climbing as petroleum-based materials, tariffs, and…...
Canadian family says 2022 hurricane left them in a garage after insurer covered only 2 months
1+ week, 7+ hour ago (577+ words) "I wanna give better for the kids. They deserve better than this." For one Nova Scotia family, the fallout from post-tropical storm Fiona did not end when the winds died down. After their home was badly damaged in September 2022, Alma…...
Florida homeowners say insurance overhaul helped insurers, not them, as premiums keep rising
1+ week, 1+ day ago (440+ words) Homeowners across Florida say the state's insurance troubles are far from over. Despite years of assurances that reforms would calm the market, many residents say they are still paying more, getting less coverage, and worrying that their policies could be…...
Buyer tackles $8,000 house basement with 2 feet of water and 100 buckets of mud
1+ week, 1+ day ago (453+ words) "Oh, boy. That looked back breaking." An $8,000 house can look like the deal of a lifetime — until the basement is hiding 2 feet of standing water, a buried drain, and piles of muck that have to be hauled out by hand....
Los Angeles County puts up to $3,000 on the table for businesses after Lineage fire, East LA oil spill
1+ week, 2+ day ago (435+ words) "Small businesses should not be left to absorb the financial damage caused by an emergency they did not create." Small businesses in parts of Los Angeles County affected by the Lineage Fire in Boyle Heights or the East L.A. oil spill…...
Homebuyer's insurance estimate jumps from $3,000 to $5,000, and Reddit says to compare quotes
1+ week, 4+ day ago (398+ words) "It was probably just an estimate used for the first payment numbers." It can be difficult for homebuyers to pin down the true monthly cost of owning and insuring a home. One first-time homebuyer took to Reddit to ask how…...