Christy is aware of how weather can affect Nicol’s long-term policyholders. Recently, she helped a client protect his finished basement. Only a month after she recommended adding water coverage to his policy, a sudden snow melt flooded the basement and damaged the work that had been done. Needless to say, the client was very appreciative of the new coverage. Although the water damage was still a significant inconvenience, his cost for that sudden event was covered.