Additional coverages keep you afloat after a flood

aerial-view-of-flood

Ongoing patterns of severe weather mean homeowners and business owners have experienced everything from record snowfalls and tornadoes to recurring storms with wind, hail and record amounts of rainfall – all leading to a record number of flooded homes and businesses.

Water claims under personal or business insurance contracts can be confusing and easily misunderstood, and standard insurance does not cover everything.


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After the storm: What do I do next?

homes-damaged-by-tornado

The storm has passed and your family is safe. You took all the necessary precautions such as having an adequate supply of drinking water and a flashlight. You may have even purchased a generator to ensure uninterrupted electricity in the event of a power outage. The steps you take next are equally important in keeping your family safe and presenting a claim in the event there is damage to your home, auto or personal property. Your first priority should always be addressing safety concerns: Pay attention to the possibility of[…..]


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Lightning – or power surge? I’m not worried; I’m covered

denver-stormy-evening-2

In the old days – I am 54 and have been in the insurance business since 1987 – a lightning claim investigation was a pretty simple process. I would simply review whatever resources were available and determine if a thunderstorm had passed through the area on the day the loss occurred. If a storm could be verified, the loss claim was validated.


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Is your business protected from hail?

hail-climatology-map

Most areas of the country experience hail storms that can cause significant damage to rooftop equipment, severely disrupting your business and costing you time, money or even customers. A major hail storm can severely damage fins on your heating, ventilation and air conditioning equipment, rendering it inoperable. That may affect your operations or cause you to cancel functions.


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