We’re going to cut right to the chase: if you notice water damage from a plumbing leak or pipe burst, don’t delay in reporting it (or fixing the issue pronto!). If the damage is significant enough to require an insurance claim, you don’t want to give them any reason to deny coverage. Here’s why. One of
While your homeowner’s insurance is supposed to cover sudden and accidental damage, navigating the claims process can quickly become a frustrating experience especially if you’ve had water or plumbing damage. The list of policy exclusions accompanying these types of claims can be extensive and catch many homeowners unaware. What’s more, insurance companies also like to use exclusions
Benefits of Hiring an Attorney to Help with Your Plumbing Damage Claim Read More »
Dealing with plumbing damage in your home is stressful enough, but when your insurance company denies, delays or underpays your claim, it can add a whole new layer of frustration. Plumbing issues can cause significant water damage that require costly repairs, and navigating the complexities of your homeowner’s insurance policy can be overwhelming. In some
When to Call a Lawyer for a Plumbing Damage Insurance Claim in Colorado Read More »
Water damage is one of the most common reasons homeowners file insurance claims in Colorado, yet it’s also one of the most misunderstood areas of coverage. Unfortunately, not all water-related incidents are covered under standard dwelling policies, and many homeowners only discover these exclusions after it’s too late. Don’t let this happen to you! In
Understanding Water Damage Exclusions in Colorado Homeowner’s Insurance Policies Read More »
Rising insurance rates have become a growing concern for homeowners, especially in high-risk areas like Colorado. With factors such as severe weather, inflation, and increased claim costs driving premiums higher, it’s more important than ever to understand the details of your homeowners insurance policy. In this post, we’ll explore why insurance rates are increasing, what
Rising Insurance Rates and What You Need to Watch for in Your Policy Read More »
Owning a vacant home in Colorado comes with unique challenges and risks, especially when it comes to insurance coverage. Whether the property is a second home, a rental that’s temporarily unoccupied or a home undergoing renovations, it’s crucial to understand how insurance policies treat vacant homes. Insurance companies often impose different rules and exclusions for
How Insurance Works When Homes Are Vacant in Colorado Read More »
Homeowners insurance rates in Colorado have been steadily on the rise, and for many homeowners, this can cause serious financial strain. You’re not alone if you’ve been wondering, “What gives?” Below we’ll break down some of the factors contributing to increasing insurance premiums as well as what you can do to ensure you have adequate
What’s Causing Rising Insurance Rates in Colorado? Read More »
In Colorado, homeowners face frequent and sometimes severe weather events like hail storms and high winds. As if navigating hail damage claims in Colorado were not complicated enough, these deductibles throw yet another wrench into how your claim is settled. To manage risk, insurance companies often include specific wind and hail deductibles in some homeowner’s insurance policies,
What Coloradans Need to Know About Wind and Hail Deductibles Read More »
When filing a hail damage claim, understanding key insurance terms can significantly impact your compensation amount. Two important concepts that often come up in hail damage claims in Colorado are Actual Cash Value (ACV) and Replacement Cost Value (RCV). These terms dictate how your insurance company calculates the payout for repairing or replacing hail-damaged property. Here’s what
What Do ACV and RCV Mean for Your Hail Damage Claim? Read More »
Here in Colorado, we experience more hail storms than almost every other place in the country. It’s a force of nature we can try to run from, but we simply cannot hide. Our homes, cars, and other property will take a beating, and all we can do to protect ourselves is maintain our homes and ensure we
Navigating Hail Damage Claims in Colorado Read More »
