Insurance Claim

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The Dram Shop Law in Colorado

pouring shots of whiskey as an illustration of a dram shop

Third Party Liability in Drunk Driving Accidents Sadly, drunk driving remains one of the leading causes of fatal car accidents in Colorado. Impaired driving was responsible for approximately one third of all traffic fatalities in 2021, and that number continues to increase. It is fairly common knowledge that a person driving under the influence will be held responsible for a crash. He or she will not only be liable for property damage, but also any injuries or death resulting from the accident. Legal repercussions include license suspension, fines, community service, and even jail time.  What is less common knowledge is that a third...

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What Do Adjusters Do?

man with clipboard inspects property damage

Insurance companies employ adjusters to help facilitate the processing of a claim. Whether you are seeking reimbursement for home, auto, health, or life insurance, odds are you will be working directly or indirectly with an adjuster. In general, adjusters exist as a liaison between the policyholder and the insurer. The work of an adjuster can be broken down to accommodate various subtasks and specialties. We will take a look at three common types of adjusters and their typical responsibilities.  Company Adjuster A company adjuster is the most common type of adjuster. These individuals are employed by your insurance company to help process your...

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Why Is Hail So Destructive?

hand holding a large hailstone

How to Know When Hail Will Cause Damage Hail is very much a part of Colorado’s storm season, and it is the primary culprit in millions of dollars in insurance claims every year. To understand why hail is so destructive, it is useful to learn how and why it occurs in the first place. Reviewing the science of hail formation can also be helpful in predicting when it might happen next. What Is Hail? Hail is a kind of frozen precipitation that occurs during a thunderstorm. It begins as water droplets (rain) that are carried upwards by strong wind currents called “updrafts.” These...

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Common Roofing scams and How to Avoid Them

sign reads scam alert against sky back drop

Colorado’s storm season is rapidly approaching. In addition to preparing your home for physical damage and reviewing your insurance policy, you will also need to brace yourself for potential roofing scams.  Unfortunately, areas that have recently been hit by storms are prime targets for roofing scammers. Scams are also prevalent in areas with large senior populations or with older model homes. Being aware of some of the more common roofing scams can help you avoid becoming a victim.  Top 5 Roofing Scams   1. The Storm Chaser Immediately after a storm, national companies will often send hundreds of sales representatives to the most severely impacted...

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How to File a Roof Damage Claim

badly damaged gable roof

Insurance Claims for Storm Damage If you have suffered damage to your roof from a recent storm, you will need to file a claim with your homeowners insurance company to receive funds for repairs or replacement. First, you will want to be sure there are no immediate hazards associated with the damage, such as fallen trees or downed electrical lines.  Steps to File Roof Damage Claim Once you have established that the surroundings are safe, take the following steps to file an insurance claim: 1. Inspect the Damage Take photographs of any damage that has occurred to your roof, siding, windows, downspouts, etc. You can...

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How to Prepare for Storm Season in Colorado

Lightning flashes across purple sky

Colorado's Hail Season Begins in April Storm season in Colorado is one of the longest and most severe in the country. From about mid-April to mid-August, we are wracked by thunderstorms that can bring damaging winds, lightning, and hail. Hailstones, in particular, can cause significant damage to your property. Colorado's Front Range forms the heart of what is known to meteorologists as "Hail Alley." Along with Wyoming and Nebraska, we see an average of 7-9 days of hail per season. That may not seem like a lot, but it is significantly higher than the rest of the nation. In addition to having more...

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Best Ways to Prevent House Fires

smoke surrounding smoke detector

If you have suffered a house fire in the past, your first thoughts as you rebuild or restore your home may be on how to keep it from happening again. While not all circumstances that cause fires are preventable, you can certainly take steps to ensure your home is as protected as possible.  Identify Potential Fire Hazards in Your Home Aside from obvious dangers, like unattended candles, cigarettes, and cooking, there are other potential fire hazards in your home that you may not have considered: Unattended hair styling devices, like curling irons and flatirons Teach all members of the household to triple check that...

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How Does Smoke Restoration Work?

smoke and soot on a white ceiling

Much of the attention after a fire is given to structural damage from burning within the home. Smoke damage, however, can be just as devastating. In addition to cosmetic issues, such as yellowing, tarnish, and etching, smoke damage can pose a significant health risk.  What Is Smoke Damage? Smoke damage includes any physical damage to the home that was not caused by the fire itself. It can be broken up into five categories, based on the type and source of the smoke. Complex Smoke Damage This type of damage results in a greasy yellow residue that results from the corrosion of natural and synthetic...

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How to Clear Debris After a Fire

soot and charred debris following a house fire

One of the tasks that falls on property owners after a fire is the clearing of debris from the site. This is part of the process of returning the home to its pre-loss condition for insurance purposes. You will want to be sure you go about clearing debris in the right way to avoid any hiccups in the claims process.  Who Pays to Clear Debris from a Home Fire? This expense is covered under your homeowners insurance. The exact amount available to pay for clearing debris will depend on your specific policy. You will either need to use part of your Coverage...

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What Does a Homeowners Fire Policy Cover?

insurance policy forms on laptop with coffee

     Whether you are recovering from a recent fire or looking to insure your next home, it is imperative to understand the details of a homeowners insurance fire policy. Knowing what is and is not covered can help you prepare and decide what additional coverage you may need to purchase.       Being familiar with your policy will also help you file the most accurate claim possible, and will serve you well in the event that you need to appeal a decision. What is Covered for Fire Damage?   Standard homeowners fire policies typically cover three areas      1. Dwelling      Smoke...

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