Hazards And Risks To Homes In Colorado

Located in the Midwest and sporting some of the most beautiful mountains in the nation, Colorado is a wonderful place to call home. Vacationers across the nation flock to the luscious Centennial state to drink in its remarkable beauty all four seasons of the year.

However, Mother Nature can be dangerous and may cause tremendous damage to homes and properties. Let's take a look at ways Colorado residents can protect their greatest asset. Once you're done, don't forget to request your complimentary quote here!

Flooding: the leading cause of property loss

One of the greatest threats that Colorado homeowners face is the danger of flooding following a severe storm. Our extreme weather conditions cause erosion, which exacerbates flash flooding along with mudslides and debris flows. Is your home protected from flooding?

Flooding is not a covered peril in your homeowner's policy. You must purchase a separate policy in order to have protection from rising water. And remember, unless you purchase a flood policy at your home's closing, the policy does not go into effect for thirty days until after you apply and produce payment, so don't wait until a catastrophe hits. Get started by filling out our form now!

Why purchase a flood insurance policy?

As previously mentioned, flooding is the leading cause of property loss from natural disasters, according to Steve Emory, a federal coordinating officer with the Federal Emergency Management Agency (FEMA).

  • More than 90% of all presidentially-declared disasters include flooding
  • In 2008, one third of all National Flood Insurance Program flood claims occurred in low-risk communities
  • Your home has a 26% chance of sustaining flood damage over the course of a 30-year mortgage, compared to a 9% chance of fire damage.

Wildfires: Another Colorado home hazard

A second threat to Colorado homeowners is damage from wildfires. Here are some tips to better protect your home against the threat of fire.

  • Keep flammable materials stored away from your home.
  • Remove yard clippings and trimmings as soon as possible after storms or pruning.
  • Keep your chimney clear. We recommend that you have someone check it and clean it once a year.

For more home-saving tips, contact our professionals today. No matter what happens, we have Colorado homeowners covered – but first, you need a plan that works for you. Request your free CO homeowner's insurance quote today!