$8 billion in losses: Commercial property insurance braces for a volatile 2026

“Accurate property valuations are critical,” Bhasin told IB. “Coverage is normally based on reconstruction costs, not market value. Professional valuations every two to three years are recommended. If a professional valuation isn’t possible, insurer-approved tools or third-party calculators can be used, factoring in current material and labour costs, local construction trends, and unique property features….

 billion in losses: Commercial property insurance braces for a volatile 2026

Great Falls counselor plans Montana’s only youth addiction treatment center

GREAT FALLS — A Great Falls counselor is working to establish Montana’s first inpatient substance abuse treatment center for adolescents, filling a critical gap in the state’s addiction and mental health services. Teresa Mouser, who has operated Lone Wolf Counseling for 15 years, is spearheading the creation of Cub Haven Counseling, a nonprofit adolescent inpatient…

Great Falls counselor plans Montana’s only youth addiction treatment center