From Sunny to Snowing - Colorado Weather and Your Homeowners Insurance
by Client Care
on Tuesday, April 9th, 2013 at 4:38pm.
Colorado is known for having some of the most gorgeous weather in our nation, because we regularly get over 300 days of sunshine a year. But if you live here, you know that our weather is no joke, and experiencing things like 60 degree days in January are just as common as the spring blizzards. In either situation, if you are not prepared for Colorado’s quick changing weather you will likely find yourself wishing you were. Regardless of whether it is bringing a jacket or making sure your homeowners insurance policy is up to date, preparation is key. Of course, the repercussions for being caught in a spring snowstorm without a jacket and gloves are unfortunate, but it is more unfortunate and costly to be hammered down with golf ball size hail stones in a home that is not properly protected. Don’t get stuck with expensive repairs or take a huge financial hit, make sure your home is properly insured.
Colorado is also notorious for hail storms, wind storms, wildfires, lightning storms, flash floods, and even tornadoes in some areas. When you add all these things up, the chances that your home will be damaged at some point by Mother Nature increase dramatically. Because of the natural disasters Colorado has experienced in the past few years, i.e. the wildfires of 2012 and the northeastern tornadoes of 2010, many insurance companies are changing the way they do things. The effect of these changes has left many Colorado residents shopping for new insurance policies. For some, especially those that live in high risk areas, insuring their home in an effort to protect their families, belongings, and investment is becoming an extremely difficult task. In order to make sure your home is properly insured, it is critical that you read all the fine print and comply with all guidelines of the policy. For example if your insurance requires there to be a 30 foot tree free barrier around your home, you will have to comply with those requirements in order to be eligible to make a claim.
Whether you buy homeowners insurance from one of those popular online companies, or bundle it with your other existing policies, it is very important to understand what exactly you are covered for and how it works. Being affected by a disaster is bad enough, but thinking you are covered when you’re actually not is even worse.