Month: November 2014

The Wheat Ridge area started as a strong agricultural area, just to the west of Denver, Colorado. As the population grew, the city became urbanized. By 2012, the population grew to a little over 30,000. Recently, changes have brought agriculture back to the area.

Urban farming is encouraged and community gardens and farmer’s markets can be found throughout the city. This also makes the area a perfect location for anyone desiring a smaller city lifestyle with easy access to both rural and big city opportunities. For those looking for a small town feel, the Federal Heights area to the north of Denver has a population of about 12,000 with extensive recreational choices including Water World.

No matter which city you call home, you need to be prepared for some harsh winter weather and large amounts of snow. On average, the Denver area gets nearly 60 inches of snow each year. Temperatures can drop well below zero F., but rise into the 60s the next day.

Make sure your homeowners insurance covers you for damage that could result from heavy snow accumulations on your roof. You also need to protect your home from frozen water pipes in the winter. Some residences in the Wheat Ridge or Federal Heights area may even need to have flood insurance protection.

To get the best rates for your Wheat Ridge or Federal Heights area home, compare quotes from several major insurance providers. Independent insurance agents, like the ones at our company, can provide you with quotes quickly. You can even compare quotes online at your convenience.

Don’t get caught without enough homeowners insurance for your home. Get in touch with us today. Our agents can answer any questions you have and provide information to determine if your Colorado home should have flood insurance coverage.

Summer storms are no big news in Colorado – they’re just a fact of life. The hail storm season, which technically runs from mid-April to mid-September, routinely brings at least 3 to 4 catastrophic damage storms – a storm that causes more than $25 million in insured damage is considered catastrophic – each year. In fact, the Rocky Mountain Insurance Information Association notes that over the last 10 years, the state has seen insurers paying out more than $3 billion in hail storm damage, a great deal of it for repairing or replacing roofs on hail-damaged homes.

To help those depending on homeowners insurance to help you repair a damaged roof, Colorado TV station CBSDenver put together their Roofing Scam Awareness program recognize roof repair scams, which offers some excellent tips for finding and working with roofing contractors and your insurance company. As independent Colorado insurance agents, we’re passing along these important tips to help you get the most from your home insurance.

• Avoid roofing contractors that offer to pay the deductible on your homeowners insurance.
• Avoid contractors who suggest over-billing your insurance company to recover inflated costs. That’s insurance fraud and could land you in jail.
• Notify your insurance company as soon as possible after the storm to get the claim process started.
• Check with your insurance agent about roofing contractors. Many insurance companies have preferred contractors in different cities and regions.
• Understand what your insurer will pay. In most cases, the adjuster’s estimate and scope of work will determine how much the insurance company will pay.
• Get a local contractor who understands Colorado law to double-check the adjuster’s estimate.

Most importantly, check to make sure your homeowner insurance is adequate to cover storm damage to your roof. We work with many different insurance companies so that we can offer you the very best insurance options for your needs. Compare homeowners insurance quotes with our quote comparison tool right here on our website and let us help you make sure your house cover is completely covered.