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How is extreme weather impacting home insurance rates in Kentucky?

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How is extreme weather impacting home insurance rates in Kentucky?


LEXINGTON, Ky. (WKYT)—Kentucky has had its share of bad weather over the last several years, which is partially why homeowners insurance rates have been on the rise.

“It first started with COVID, and you know, the cost of supplies and demand on labor rates and that sort of thing, and then right after COVID, we started seeing these really bad wind and hail storms coming through Kentucky,” said Renee Jackson, a Lexington insurance agency owner.

Due to both the pandemic and bad weather, there is a new normal when it comes to insurance rates.

“We used to look at rates for clients being a little abnormal if they were 10 percent or higher of the increase renewal. Now, we are looking at if it’s 18 to 20 percent is really when we start looking at shopping our client’s rates and that sort of thing,” said Jackson.

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Jackson says one way to prevent major rate increases is to file claims only on significant damage.

“A windstorm came through, and I have to replace my roof. A roof replacement is $20,000. That’s when you want to file a claim. Keep the small things to yourself and let the insurance company deal with the large things because when you file the small things, you’re going to see even higher insurance increases on your premium and you don’t want that to happen,” Jackson said.

Jackson thinks that hiking insurance rates should cool, but the weather will play a big role in that fate.

“I think the insurance companies have a good handle of what’s going on. As long as we don’t have any more storms come through Kentucky in the next year, I think you’re going to see your rates leveling off. You’re not going to see the increases like you did before,” Jackson said.

According to a study from Deloitte, Kentucky is among 21 US states at high risk of climate impacts.

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Kentucky

Former Sheriff Shawn ‘Mickey’ Stines indicted for murder of Kentucky judge

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Former Sheriff Shawn ‘Mickey’ Stines indicted for murder of Kentucky judge


Two months after video showed him shooting a Kentucky judge at point-blank range in his chambers, former Sheriff Shawn ‘Mickey’ Stines has been indicted for murder.

The indictment, announced jointly by state and local prosecutors, charges Stines with shooting and killing Letcher County District Court Judge Kevin Mullins. Stines is scheduled to appear for his arraignment on Monday, Nov. 25.

RELATED STORY | Video shows Kentucky judge try to hide as he’s gunned down in chambers

At a probable cause hearing in October, prosecutors showed a silent video that appeared to show Stines walking into the judge’s chambers with a weapon and firing multiple times at the victim, who frantically tried to escape under his desk.

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Stines, who was sheriff at the time of the shooting, resigned on Oct. 1, hours before appearing in court to plead not guilty to murder charges.

RELATED STORY | Kentucky sheriff charged with fatally shooting a judge pleads not guilty in first court appearance

Investigators have not offered any potential motive for the murder. Those who knew Stines and Mullins said the two had worked together for years and were friends.

To date, prosecutors have not announced whether they will seek the death penalty.

This story was originally published by Lauren Silver at Court TV.

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BY THE NUMBERS: Texas 31, UK 14

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BY THE NUMBERS: Texas 31, UK 14


Kentucky played Texas competitively during stretches of Saturday’s game in Austin but an ugly stretch in the second quarter gave the Horns a lead they would never relinquish.

Here are some of the key numbers that tell the story of what happened in the game.

209 … More yards for Texas than Kentucky. That’s not surprising but speaks to the challenge. The Horns had 441 yards of offense with a lot of balance (250 on the ground, 191 through the air) while the Cats mustered only 211 yards of offense, almost all of which was passing.

160 … The total passing yards for Cutter Boley. The freshman was 10/18 for 160 yards and an interception. Boley entered the game because Brock Vandagriff was struggling and he did a lot to impress. He saw the field well, made some confident reads and delivered catchable balls down the field.

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158 … Rushing yards for Texas’ Quintrevion Wisner. The Longhorns rushed for 250 yards on the game.

25:30 … Time of possession for Kentucky in the game. Any upset bid would have been aided by Kentucky controlling the ball more than Texas. That did not happen.

20 … Carries for Kentucky running backs Jamarion Wilcox (50 yards) and Demie Sumo-Karngbaye (30 yards). Wilcox had a long of 18 while DSK’s long was just six yards. The backs had decent success considering the opponent but Boley was charged with -57 rushing yards.

17 … Second quarter points for the Longhorns. That’s when the game appeared to be decided. First, the Horns went 65 yards in 11 plays for a touchdown. Then after a Vandagriff pick they scored again quickly before adding a field goal as the half ran out.

11 … Fumbles in the game. It was almost comical how often the ball was bouncing at times. Kentucky fumbled five times but didn’t lose one of them, while Texas fumbled six times and lost two.

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10 … Tackles for sophomore Texas linebacker Anthony Hill, who we said coming into the game was playing at an All-American level. He had two sacks and three tackles for loss as the most active, productive Texas defender in the game. He was a problem Kentucky couldn’t account for.

6 … Sacks by the Texas defense. That led to UK only being credited with 21 rushing yards on the game, but more important was the impact on UK’s offensive results. The protection issues have been persistent all season.

2/12 ... Kentucky on third down. That’s not going to get it done in a game like this. That’s a big reason why Texas ran 23 more plays than Kentucky, and had the ball for 10 minutes longer. The big problem was that Kentucky averaged 11.1 yards to go on third down today.

0 … The turnover margin in the game. That gave Kentucky a chance to play somewhat competitively. Both teams had seven points off turnovers with UK’s being Jamon Dumas-Johnson’s return.



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Quinn Ewers Returns vs. Kentucky Wildcats After Exiting Medical Tent

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Quinn Ewers Returns vs. Kentucky Wildcats After Exiting Medical Tent


AUSTIN — Texas Longhorns quarterback Quinn Ewers went into the medical tent in the second quarter of Saturday’s home finale against the Kentucky Wildcats after the conclusion of a touchdown drive. Ewers appeared to have his ankle rolled up on earlier in the possession but never went off to the sidelines despite having a small limp.

Fortunately for the Longhorns, he was right back on the field for Texas’ next drive after an acrobatic interception from Jelani McDonald. A few plays later, he connected with Gunnar Helm for his second touchdown catch of the day on a 17-yard score.

Ewers has, of course, been no stranger to injuries during his time at Texas. He’s in his third year with Texas but has missed a total of seven games as a Longhorn due to injury, with at least two absences in each season. This included two missed games this season due to an oblique injury he suffered against UTSA.

Naturally, the conversation of him earning the “injury-prone” label is a real one to have, but head coach Steve Sarkisian sees things differently.

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“I don’t necessarily think so,” Sarkisian said. “Sometimes injuries happen because they happen, you know? … I mean, when a guy gets pile-drived on his shoulder, there’s a pretty good chance — it doesn’t matter who you are — your shoulder is probably going to be sore to some capacity. Or when you get pile-drived and your clavicle gets, gets popped. I mean, I don’t know many guys that would have withstood that hit from Dallas Turner a couple years ago. That was an odd hit. And I’ve seen that injury, that same injury Quinn had that year, Jalen Hurts had as well. Oddly enough, he has the oblique strain there a few weeks ago, and I’m watching the game the other night. Derek Carr is out of the game, oblique strain.”

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Other Texas Longhorns News:

MORE: Here Is What The College Football Playoff Bracket Looks Like After Nov. 19 Rankings

MORE: Texas Longhorns Announce Home and Home Matchup vs. Notre Dame Fighting Irish

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MORE: Texas Longhorns Remain at No. 3 in Latest College Football Playoff Rankings



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