.hc-intro[data-astro-cid-rgb4pkaw]{padding:2.5rem 0 2rem}.hc-intro__lead[data-astro-cid-rgb4pkaw]{margin:0;padding:.35rem 0 .35rem 1.5rem;border-left:4px solid var(--color-red);font-size:clamp(1.05rem,2vw,1.2rem);line-height:1.75;color:var(--color-gray-700)}.hc-intro__trust[data-astro-cid-rgb4pkaw]{list-style:none;margin:1.5rem 0 0;padding:0;display:flex;flex-wrap:wrap;gap:.65rem 1.25rem}.hc-intro__trust[data-astro-cid-rgb4pkaw] li[data-astro-cid-rgb4pkaw]{display:inline-flex;align-items:center;gap:.45rem;font-size:var(--text-sm);font-weight:600;color:var(--color-blue)}.hc-damage[data-astro-cid-rgb4pkaw]{padding:3.5rem 0}.hc-damage[data-astro-cid-rgb4pkaw] .section-header{margin-bottom:2rem;max-width:40rem}.hc-damage__grid[data-astro-cid-rgb4pkaw]{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:.85rem}.hc-damage__card[data-astro-cid-rgb4pkaw]{display:flex;flex-direction:column;gap:.75rem;padding:1.15rem 1.2rem;background:#fff;border:1px solid var(--color-gray-200);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm)}.hc-damage__icon[data-astro-cid-rgb4pkaw]{display:flex;align-items:center;justify-content:center;width:2.5rem;height:2.5rem;border-radius:var(--radius-md);background:var(--color-blue-50);color:var(--color-blue)}.hc-damage__card[data-astro-cid-rgb4pkaw] p[data-astro-cid-rgb4pkaw]{margin:0;font-size:var(--text-sm);line-height:1.6;color:var(--color-gray-700)}.hc-coverage[data-astro-cid-rgb4pkaw]{padding:3.5rem 0}.hc-coverage[data-astro-cid-rgb4pkaw] .section-header{margin-bottom:2rem;max-width:42rem}.hc-coverage__grid[data-astro-cid-rgb4pkaw]{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}@media(max-width:700px){.hc-coverage__grid[data-astro-cid-rgb4pkaw]{grid-template-columns:1fr}}.hc-coverage__card[data-astro-cid-rgb4pkaw]{padding:1.35rem 1.4rem;border-radius:var(--radius-lg);border:1px solid var(--color-gray-200);background:#fff}.hc-coverage__card--wind[data-astro-cid-rgb4pkaw]{border-top:3px solid var(--color-blue)}.hc-coverage__card--rain[data-astro-cid-rgb4pkaw]{border-top:3px solid var(--color-blue-dark, #0f2f7a)}.hc-coverage__card--flood[data-astro-cid-rgb4pkaw]{border-top:3px solid var(--color-red)}.hc-coverage__card--neutral[data-astro-cid-rgb4pkaw]{border-top:3px solid var(--color-gray-400);grid-column:1 / -1;display:grid;grid-template-columns:auto 1fr;gap:0 1rem;align-items:start}.hc-coverage__icon[data-astro-cid-rgb4pkaw]{display:inline-flex;align-items:center;justify-content:center;width:2.25rem;height:2.25rem;border-radius:50%;background:var(--color-gray-50);color:var(--color-blue);margin-bottom:.65rem}.hc-coverage__card--neutral[data-astro-cid-rgb4pkaw] .hc-coverage__icon[data-astro-cid-rgb4pkaw]{margin-bottom:0}.hc-coverage__card[data-astro-cid-rgb4pkaw] h3[data-astro-cid-rgb4pkaw]{margin:0 0 .4rem;font-size:1rem;color:var(--color-gray-900)}.hc-coverage__card[data-astro-cid-rgb4pkaw] p[data-astro-cid-rgb4pkaw]{margin:0;font-size:var(--text-sm);line-height:1.65;color:var(--color-gray-600)}.hc-actions[data-astro-cid-rgb4pkaw]{padding:3.5rem 0}.hc-actions[data-astro-cid-rgb4pkaw] .section-header{margin-bottom:2rem;max-width:40rem}.hc-actions__steps[data-astro-cid-rgb4pkaw]{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1rem;counter-reset:hc-step}.hc-actions__step[data-astro-cid-rgb4pkaw]{display:grid;grid-template-columns:2.5rem 1fr;gap:0 1rem;align-items:start;padding:1.2rem 1.25rem;background:#fff;border:1px solid var(--color-gray-200);border-radius:var(--radius-lg)}.hc-actions__num[data-astro-cid-rgb4pkaw]{display:flex;align-items:center;justify-content:center;width:2.5rem;height:2.5rem;border-radius:50%;font-family:var(--font-heading);font-weight:800;font-size:var(--text-sm);color:#fff;background:var(--color-red);box-shadow:0 4px 12px #c2212d33}.hc-actions__step[data-astro-cid-rgb4pkaw] p[data-astro-cid-rgb4pkaw]{margin:.35rem 0 0;font-size:var(--text-sm);line-height:1.65;color:var(--color-gray-700)}.hc-mistakes[data-astro-cid-rgb4pkaw]{padding:3rem 0 3.5rem}.hc-mistakes[data-astro-cid-rgb4pkaw] .section-header{margin-bottom:1.75rem}.hc-mistakes__list[data-astro-cid-rgb4pkaw]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.65rem}.hc-mistakes__item[data-astro-cid-rgb4pkaw]{display:grid;grid-template-columns:auto 1fr;gap:.85rem;align-items:start;padding:1rem 1.15rem;background:#fff;border:1px solid #fecaca;border-left:4px solid var(--color-red);border-radius:var(--radius-md);font-size:var(--text-sm);line-height:1.6;color:var(--color-gray-700)}.hc-mistakes__mark[data-astro-cid-rgb4pkaw]{display:flex;align-items:center;justify-content:center;width:1.5rem;height:1.5rem;border-radius:50%;background:#fef2f2;color:var(--color-red);flex-shrink:0;margin-top:.1rem}.hc-policy[data-astro-cid-rgb4pkaw]{padding:3.5rem 0}.hc-policy__layout[data-astro-cid-rgb4pkaw]{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);gap:2rem 2.5rem;align-items:stretch}@media(max-width:800px){.hc-policy__layout[data-astro-cid-rgb4pkaw]{grid-template-columns:1fr}}.hc-policy__copy[data-astro-cid-rgb4pkaw] h2[data-astro-cid-rgb4pkaw]{font-size:clamp(1.35rem,2.5vw,1.65rem);margin:.5rem 0 .85rem}.hc-policy__copy[data-astro-cid-rgb4pkaw] p[data-astro-cid-rgb4pkaw]{margin:0;font-size:var(--text-sm);line-height:1.75;color:var(--color-gray-700)}.hc-policy__panel[data-astro-cid-rgb4pkaw]{position:relative;padding:1.5rem 1.4rem;background:linear-gradient(160deg,var(--color-blue-50) 0%,#f4f8ff 55%,#fff 100%);border:1px solid var(--color-blue-100);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm)}.hc-policy__panel[data-astro-cid-rgb4pkaw]:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--color-blue) 0%,var(--color-blue) 40%,transparent 40%);border-radius:var(--radius-lg) var(--radius-lg) 0 0}.hc-policy__panel-label[data-astro-cid-rgb4pkaw]{display:block;font-family:var(--font-heading);font-size:var(--text-xs);font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--color-blue);margin-bottom:1rem}.hc-policy__panel[data-astro-cid-rgb4pkaw] ul[data-astro-cid-rgb4pkaw]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.85rem}.hc-policy__panel[data-astro-cid-rgb4pkaw] li[data-astro-cid-rgb4pkaw]{display:grid;grid-template-columns:auto 1fr;gap:.75rem;align-items:start;font-size:var(--text-sm);line-height:1.55;color:var(--color-gray-700)}.hc-policy__panel-icon[data-astro-cid-rgb4pkaw]{display:flex;align-items:center;justify-content:center;width:1.75rem;height:1.75rem;border-radius:var(--radius-sm);background:#fff;color:var(--color-blue);border:1px solid var(--color-blue-100)}.hc-storms[data-astro-cid-dz7sb6lm]{padding:3.5rem 0}.hc-storms[data-astro-cid-dz7sb6lm] .section-header{margin-bottom:2rem;max-width:42rem}.hc-storms__timeline[data-astro-cid-dz7sb6lm]{display:flex;flex-direction:column;gap:0}.hc-storms__event[data-astro-cid-dz7sb6lm]{display:grid;grid-template-columns:5.5rem 1fr;gap:0 1.25rem;position:relative}.hc-storms__event[data-astro-cid-dz7sb6lm]:not(:last-child) .hc-storms__marker[data-astro-cid-dz7sb6lm]:after{content:"";position:absolute;left:.55rem;top:2.25rem;bottom:-.5rem;width:2px;background:linear-gradient(180deg,var(--color-blue-100) 0%,var(--color-gray-200) 100%)}.hc-storms__marker[data-astro-cid-dz7sb6lm]{position:relative;display:flex;flex-direction:column;align-items:center;padding-top:1.35rem;gap:.35rem}.hc-storms__dot[data-astro-cid-dz7sb6lm]{width:1.15rem;height:1.15rem;border-radius:50%;background:var(--color-blue);box-shadow:0 0 0 4px var(--color-blue-50);flex-shrink:0}.hc-storms__year[data-astro-cid-dz7sb6lm]{font-family:var(--font-heading);font-weight:800;font-size:var(--text-xs);color:var(--color-blue)}.hc-storms__card[data-astro-cid-dz7sb6lm]{margin:.65rem 0 1rem;padding:1.2rem 1.35rem;background:var(--color-gray-50);border:1px solid var(--color-gray-200);border-radius:var(--radius-lg);transition:border-color .15s,box-shadow .15s}.hc-storms__event[data-astro-cid-dz7sb6lm]:hover .hc-storms__card[data-astro-cid-dz7sb6lm]{border-color:var(--color-blue-100);box-shadow:var(--shadow-sm);background:#fff}.hc-storms__card-head[data-astro-cid-dz7sb6lm]{display:flex;flex-wrap:wrap;align-items:baseline;gap:.5rem 1rem;margin-bottom:.5rem}.hc-storms__card[data-astro-cid-dz7sb6lm] h3[data-astro-cid-dz7sb6lm]{margin:0;font-size:1.05rem}.hc-storms__season[data-astro-cid-dz7sb6lm]{font-size:var(--text-xs);color:var(--color-gray-500)}.hc-storms__card[data-astro-cid-dz7sb6lm] p[data-astro-cid-dz7sb6lm]{margin:0;font-size:var(--text-sm);line-height:1.65;color:var(--color-gray-700)}.hc-storms__note[data-astro-cid-dz7sb6lm]{margin:1.25rem 0 0;font-size:var(--text-sm);color:var(--color-gray-600);line-height:1.6}.hc-storms__note[data-astro-cid-dz7sb6lm] a[data-astro-cid-dz7sb6lm]{font-weight:600;color:var(--color-blue);margin-left:.25rem}@media(max-width:560px){.hc-storms__event[data-astro-cid-dz7sb6lm]{grid-template-columns:3rem 1fr;gap:0 .85rem}.hc-storms__marker[data-astro-cid-dz7sb6lm]{padding-top:1.5rem}.hc-storms__year[data-astro-cid-dz7sb6lm]{display:none}}.hc-reviews[data-astro-cid-dz7sb6lm]{padding:3.25rem 0}.hc-reviews[data-astro-cid-dz7sb6lm] .section-header{margin-bottom:1.75rem}.hc-reviews__grid[data-astro-cid-dz7sb6lm]{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1rem}@media(max-width:900px){.hc-reviews__grid[data-astro-cid-dz7sb6lm]{grid-template-columns:1fr}}.hc-reviews__card[data-astro-cid-dz7sb6lm]{display:flex;flex-direction:column;padding:1.35rem 1.4rem;background:#fff;border:1px solid var(--color-gray-200);border-radius:var(--radius-lg);height:100%}.hc-reviews__card[data-astro-cid-dz7sb6lm] .hc-reviews__quote{color:var(--color-blue-100);margin-bottom:.65rem}.hc-reviews__card[data-astro-cid-dz7sb6lm] blockquote[data-astro-cid-dz7sb6lm]{margin:0;flex:1}.hc-reviews__card[data-astro-cid-dz7sb6lm] blockquote[data-astro-cid-dz7sb6lm] p[data-astro-cid-dz7sb6lm]{margin:0;font-size:var(--text-sm);line-height:1.7;color:var(--color-gray-800)}.hc-reviews__card[data-astro-cid-dz7sb6lm] cite[data-astro-cid-dz7sb6lm]{display:block;margin-top:1rem;padding-top:.85rem;border-top:1px solid var(--color-gray-100);font-size:var(--text-xs);font-style:normal;font-weight:600;color:var(--color-gray-500)}.hc-areas[data-astro-cid-dz7sb6lm]{padding:3.25rem 0 3.75rem}.hc-areas__chips[data-astro-cid-dz7sb6lm]{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:.55rem;max-width:52rem;margin-inline:auto}.hc-areas__chip[data-astro-cid-dz7sb6lm]{display:inline-block;padding:.55rem 1rem;font-size:var(--text-sm);font-weight:600;color:var(--color-blue);background:var(--color-blue-50);border:1px solid var(--color-blue-100);border-radius:999px;text-decoration:none;transition:background .15s,border-color .15s,transform .15s}.hc-areas__chip[data-astro-cid-dz7sb6lm]:hover{background:#fff;border-color:var(--color-blue);transform:translateY(-1px);color:var(--color-blue)}.hc-areas__more[data-astro-cid-dz7sb6lm]{text-align:center;margin:1.35rem 0 0;font-size:var(--text-sm)}.hc-areas__more[data-astro-cid-dz7sb6lm] a[data-astro-cid-dz7sb6lm]{font-weight:600;color:var(--color-blue)}