Avoid Burglaries During the Holidays

burglar with crowbar peering into home window

Although burglaries are statistically more common during the summer, they also increase during the winter holidays. Along with many of us spending time away from our homes, we also tend to leave our gifts and valuables on full display-sometimes even with the windows open. This can be very enticing for a potential thief. Keep your home safe and avoid burglaries during the holidays by following a few easy steps. Deter Burglars During the Holidays Know the Statistics Start by knowing the statistics of when and how burglaries occur. This can help you take specific steps to protect your home. When Do Burglaries Happen? Most burglaries...

16 August

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Common Colorado Insurance Claims for Fall

Posted by Heather Kleinman

in Claims, Insurance

The arrival of Fall brings cooler days and a collective excitement for the upcoming holidays. Unfortunately, the drop in temperature and festive hustle-and-bustle can also result in an increase in certain types of insurance claims. Knowing the most common types of insurance claims filed in the fall can help you protect yourself against seasonal risks. Top 4 Fall Insurance Claims in Colorado 1. Water Damage Water damage from freezing pipes is one of the most common insurance claims filed in colder weather. Inspect your plumbing system and irrigation system for signs of damage and make repairs as soon as possible. Take steps to...

09 August

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How to Get Your Pipes Ready for Winter

Posted by Heather Kleinman

in Claims, Water Damage

Freezing pipes account for a significant percentage of homeowners insurance claims during the colder months. Preparing pipes for winter ahead of time can help you avoid the inconvenience and expense of repairs. Are Frozen Pipes Covered by Homeowners Insurance? In many cases, yes, your homeowners insurance should cover the damage (minus your deductible) resulting from burst pipes. This scenario falls under “accidental water damage,” which is generally covered under the dwelling protection component of your policy. That being said, there are a couple exceptions when your claim may be denied: Damage occurred due to lack of routine maintenance Just as with other areas of the...

18 February

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What Does a Homeowners Fire Policy Cover?

Posted by Lindsay

in Fire Damage, Insurance Claim

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...