insurance exclusions

How to Effectively Document Water Damage for Your Insurance Claim

Documentation is a critical component of any homeowner’s insurance claim. Without a record of what’s happened and when, it can become increasingly challenging to secure the relief you deserve for your property damage. Not only is proper documentation a key step when you initially file a water damage claim, but it also becomes paramount if

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Flood Insurance vs. Homeowners Insurance: What’s the Difference?

As if there weren’t enough different types of insurance policies out there already, flood insurance has to be yet another one. Homeowners in Colorado may not be the first to think about flood insurance, but flooding is a risk everywhere it rains, and evaluating whether you need flood insurance as an added protection is something

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Do’s and Don’ts of Documenting Plumbing Damage for Your Insurance Claim

Whenever water is involved, the insurance claims process can become murky in a hurry. While standard homeowners insurance policies should cover some types of water damage, they don’t cover all, and the list of exclusions – or at a minimum, grey areas open for interpretation – seems unending.  Homeowners attempting to file a plumbing damage claim have a

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Do You Need Flood Insurance if You Live in Colorado?

Colorado may not be the first state that comes to mind when you think of flooding risks, but that doesn’t mean we are immune to it. What insurance companies qualify as flooding can happen anywhere, and what many homeowners don’t realize is that traditional homeowners insurance policies generally don’t protect against flooding.  While federal disaster

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