This story was originally published in the November 2025 issue of COMO Magazine.
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When disaster strikes—whether it’s a tornado sweeping through neighborhoods and towns, hail pounding rooftops and cars, or high wind speeds uprooting trees and damaging homes—insurance becomes a lifeline for individuals and communities. During times like these, the support from insurance companies benefits the community in many ways. Claim specialists mobilize rapidly so families can begin repairs on their cars or homes, which helps local economies rebound, maintain continuity and transform adversity into opportunity for growth and renewal. 

 

How Shelter Assists in Times of Community Crisis 

The year 2023 was certainly a challenge for Shelter’s employees, agents and policyholders unlike anything seen in recent history. Our customers experienced thirteen catastrophe level storms leading to record numbers of claims – a historical series of devastating events hopefully never to be repeated. Shelter responded to almost 82,000 weather-related claims and helped our policyholders recover from multiple tornadoes, straight-line winds and large hailstorms in our operating territory. By comparison, during the previous five years, Shelter experienced an average of 52,000 weather losses per year, making the 2023 results significantly above average.  

Despite this record-breaking devastation, Shelter delivered on the core promise made to policyholders in many ways, including dealing with and overcoming the impact of multiple catastrophic storms.  

The Claims leadership team took additional measures to continue the exceptional service Shelter is known for during challenging times. “Catastrophe Response Teams,” the first responders during an event, worked multiple rotations throughout the year across Shelter’s operating territory. Additional Claims employees and staff from other departments in the company worked together to deliver on our policy promises.  

Severe weather events can cause extensive damage to our customers’ homes and significantly impact their lives. Thanks to the dedication of our employees, agents and claims team, we have repeatedly proven Shelter will overcome these challenges and help our customers get back on their feet. 

Shelter Insurance® has weathered difficult financial times, devastating storms and many challenges every company faces. We’re working on innovative ways to improve what we do for our customers. That’s what we mean when we say “We’re your Shield. We’re your Shelter.” 

Picture of Mike Messer

Mike Messer

With over two decades in the insurance industry, Mike Messer has served as a claims adjuster, supervisor, and underwriter, giving him a well-rounded understanding of how policies work when it matters most — before and after a loss. He prioritizes building relationships based on trust and personalized service, recognizing that every client’s needs are unique. Through annual policy reviews, he helps ensure clients stay informed, confident, and properly covered, providing them with peace of mind and financial security.