Mountain Insurance in Gunnison, CO

mountain insurance in gunnison, co

Home of the Blue Mesa Reservoir, the Black Canyon of the Gunnison National Park, the Gunnison Valley Observatory, and multiple areas for scenic wildflower hikes, the city of Gunnison, CO promises full entertainment and adventure for its residents and visitors year-round. However, with the city’s evolving beauty, there is always a risk of wildfires. When living near the mountains, we discuss how you can prepare for wildfires by securing proper mountain insurance in Gunnison, CO.

Mountain Insurance in Gunnison, CO

The call for adventure and exploration beckons in the breathtaking landscape or Gunnison, CO. However, while engaging with the surrounding nature, have you considered the danger and risks associated with living near the mountains? During sudden acts of nature such as a wildfire, it is comforting to trust that you and your family will be properly cared for when covered under mountain insurance.

Update Your Mountain Insurance Policy to Include Wildfire Insurance Coverage

Regardless if wildfire season just ended or is about to begin, evaluate your individual risks with your insurance agent to verify you have adequate coverage. It is imperative to remember that once a wildfire becomes active in or near your area, insurance plans are temporarily frozen. As a result, insurance companies are prohibited to amend or issue any insurance policy until the fire is controlled and extinguished.

However, before your insurance policy freezes, there are a few things you can do to protect your home.

Update Your Dwelling Coverage

Reviewing your dwelling limits with your insurance provider is of utmost importance. Confirm that your agent is aware of any upgrades or changes recently made to the home and that they made the appropriate changes to your coverage.

  • Have you added an addition to your home?
  • Did you recently renovate your kitchen?
  • Have you replaced the roof or siding on the home?
  • Was the driveway recently re-paved?
  • Did you landscape your yard with trees and shrubs?

Endorse an amendment to your insurance policy that reflects these changes within 30 days of the update to ensure it adequately covers the most current condition of your home. Most insurance agents will use a replacement cost guide to input the information about your home and get an estimate of the cost to rebuild.

Examine Your Detached Structures Coverage

Does your property include detached structures such as sheds, barns, a guest house, or garage? Most policies include coverage for detached structures, but it is important to ensure that you have the right coverage.

With today’s technology advances, use it to your advantage! With your smart phone, take photos or videos of your personal property and contents. Walk around the interior and exterior of your home, shed, and garage to document what is in and on your shelves, dressers, safes, drawers, closets, and jewelry boxes. Doing so not only confirms what items you had and their value, but it will also help you remember what you had in the junk drawer.

Secure Your Mountain Insurance in Gunnison, CO with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Gunnison, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what it takes to insure homes properly in the mountains- making sure your home is rebuilt, and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Mountain Insurance in Eagle, CO

mountain insurance in eagle co

Eagle, CO, is home to the Camelot Balloons Inc., Eagle Town Park, Eagle Ranch Golf Course, and Eagle River Park. This town offers countless activities to its residents and guests year-round, surrounded by nature. However, it is important that homeowners and business owners alike secure proper wildfire insurance for their property and assets. In the content below, we will explore how wildfire insurance is imperative to those living near the mountains, and the types of mountain insurance in Eagle, CO.

Mountain Insurance and Wildfire Insurance

While living in or near the mountains, you get the breathtaking views of forestry, lakes, and mountainous peaks. However, while enjoying the nature around you, it may be easy to forget the danger it can bring.

According to Eagle County’s official website:

In Colorado, the wildlands that are prone to fire overlap expanding mountain subdivisions. This overlap is called the red zone. It is also referred to as the wildland-urban interface. Since fire is common in the red zone, special precautions are necessary for homeowners and land managers.”

In unanticipated events such as wildfire, it is comforting to know that you and your family or business will be properly taken care of when covered under mountain insurance in Eagle, CO. Below, we explore the best mountain insurance coverages to secure in the event of a wildfire.

Additional Living Expense Coverage

A wildfire can quickly destroy anything in its path. Regarding wildfire coverage, an additional special insurance coverage to consider purchasing is the additional living expense. This refers to the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Replacement Cost Coverage

It is crucial that you ensure your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Oftentimes, in original policies, these are written with low coverage limits. However, they can be increased to make sure there is adequate coverage.

Auto Coverage

You must not forget to insure your autos and secure adequate coverage. By failing to obtain comprehensive coverage on your automobiles, you risk not receiving a replacement vehicle in the event of a comprehensive auto claim, such as a wildfire.

Secure Your Mountain Insurance and Wildfire Coverage with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Eagle, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Mountain Insurance in Breckenridge, CO

Mountain Insurance in Breckenridge, CO

Breckenridge, CO, is home to the Breckenridge Ski Resort, Nordic Ski Center, Mohawk Lakes, and Epic Discovery. This town offers countless activities surrounded by nature to its residents and guests year-round. However, it is important that homeowners and business owners alike secure proper wildfire insurance for their property and assets. In the content below, we will explore how wildfire insurance is imperative to those living near the mountains, and the types of mountain insurance in Breckenridge, CO.

Mountain Insurance and Wildfire Insurance

While living in or near the mountains, you get the breathtaking views of forestry, lakes, and mountainous peaks. However, while enjoying the nature around you, it may be easy to forget the danger it can bring.

The Cherry Canyon Fire from May of 2020 brought devasting flames across 11,818 acres located 10 miles NW of Kim, CO. Although started from a natural strike of lightning, this canyon fire could have made many homeowners homeless for a time.

In unanticipated events such as this, it is comforting to know that you and your family or business will be properly taken care of when covered under mountain insurance in Breckenridge, CO. Below, we explore the best mountain insurance coverages to secure in the event of a wildfire.

Replacement Cost Coverage

It is crucial that you ensure your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Oftentimes, in original policies, these are written with low coverage limits. However, they can be increased to make sure there is adequate coverage to replace these.

Additional Living Expense Coverage

As it pertains to wildfire coverage, an additional special insurance coverage to look for is the additional living expense, the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Auto Coverage

Finally, do not leave your autos uninsured or without adequate coverage. By failing to secure comprehensive coverage on your automobiles, you risk not receiving a replacement vehicle in the event of a comprehensive auto claim, such as a wildfire.

Secure Your Mountain Insurance and Wildfire Coverage with Centennial State Insurance Agency

If you are looking for the right coverage while living near the mountains in Breckenridge, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt, and you are properly taken care of. 

According to insurance agent Savannah Martin at Centennial State Insurance Agency:

“We understand the unique needs of those located in wildfire areas and work with insurance companies to understand this as well. We are able to help you with your home, auto, boat, motorcycle, RV, business, or life insurance needs. We pride ourselves in working with our clients and educating them on their insurance needs while providing excellent customer service.”

Contact us to compare quotes and properly insure your home, property, and automobile today!

Wildfire Insurance in Flagstaff, AZ

Wildfire insurance in Flagstaff, AZ

Known as “The City of Seven Wonders” and home of the Arizona Snow Bowl, Meteor Crater, and the Painted Desert, Flagstaff, AZ promises year-round leisure and entertainment. However, as wildfire serves as the most prominent threat, responsible for 60-100 wildfires annually, it is paramount that you obtain wildfire insurance in Flagstaff, AZ. 

In the content below, we explore the importance of securing wildfire insurance, discuss what wildfire insurance covers, and share what to remember when filing a claim. 

The Importance of Securing Wildfire Insurance

Doug Compton, CEO of Centennial State Insurance Agency, advises in his wildfire insurance video: “If there is a fire in the area, you may not be able to make changes, additions, or take out a policy in the future.” Therefore, it is vital to ensure you have proper homeowners insurance or commercial insurance in place that covers rebuilding if your home or business is lost in the fire.

To effectively determine the anticipated cost to rebuild your home in Flagstaff, calculate the value by a cost per square foot formula. “It’s also important to make sure that you [have] guaranteed replacement cost or extended replacement cost on [your current] policy,” Doug continues. “This is an additional amount of coverage provided by the company you’re with.”

What Does Wildfire Insurance Cover?

A wildfire can damage anything in its path. Therefore, for residents and businessowners with any form of property in Flagstaff, AZ, it is important to understand what wildfire insurance covers.

The Structure

Oftentimes, a standard homeowners policy covers destruction and damage caused by fire, which can include wildfires. If a wildfire brings damage to the structure of your home or business, your insurance company compensates for the rebuilding or repairs needed, including the remediation of smoke damage.

This structural coverage also includes the outbuildings on your property. Other structures can include a garage or toolshed. 

For homeowners or renters with policies insuring a condominium or apartment, refer to the association’s by-laws or underlying lease to determine your personal insurance responsibilities and those of the association.

The Contents

Content coverage insures all items within your home or business that are not structural, such as clothing and furniture. Therefore, a homeowner or renter’s policy includes coverages for your belongings in the event of loss or damage. Additionally, content coverage insures you in cases of theft or vandalism (if looting or robbery occur in the wake of a wildfire). For homeowners, trees or shrubs are covered under set policy limits.

The Expenses of Temporary Living Arrangements

When your home is damaged or rendered uninhabitable as a direct result of a wildfire, this coverage helps compensate you for any additional living expenses (ALE) while living outside the home. These expenses can include hotel accommodation fees, meals, and other travel arrangements.

Your Vehicle

Comprehensive auto insurance secures coverage for any damages against your vehicle in the event of a wildfire or vandalism as a direct result of the wildfire. While this coverage is optional, it could mean the difference of paying the deductible or the entire expense of purchasing a new vehicle.

What Should I Do When Making a Wildfire Claim?

If a wildfire damages any of your property, it is imperative to take the following steps:

Contact Your Insurance Provider Immediately

Each state and insurance company mandates a designated time limit as to when a claim can be reported. Therefore, you have a limited time in which your claim is valid for consideration and evaluation. Because the claim process may take some time, depending on the severity of the claim, it is best to contact your insurance agent or broker in a timely fashion. At that time, you can ask your insurance provider about claim filing requirements and next steps.

Typically, your insurer will obtain repair estimates, requiring a visit from an insurance adjuster to appraise the value of the damage. Additionally, they will require a submitted “proof of loss” form that details each item lost in the wildfire, the approximate date of purchase, and the cost to repair or replace each item lost. To help prepare ahead for a wildfire, you can complete a thorough home or business inventory.

Do Not Discard Damaged Items

Although your insurance policy includes coverage limits, it is beneficial to keep any damaged items when it is possible and safe to do so. By doing so, it allows an insurance company representative to assess the damage and create a more accurate claim report.

Secure Your Wildfire Coverage with Centennial State Insurance Agency

If you are looking for wildfire insurance in Flagstaff, AZ, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are taken care of. 

Contact us to compare quotes and properly insure your home, property, and auto today!

Wildfire Insurance in Dillon, CO

Are you properly insured in the event an unforeseen wildfire sweeps across Dillon, CO? Regardless of the season, it is best to prepare ahead for a wildfire by putting proper insurance coverage in place.

Doug Compton, CEO of Centennial State Insurance Agency, advises in his wildfire insurance video: “If there is a fire in the area, you may not be able to make changes, additions, or take out a policy in the future.” Therefore, it is paramount to ensure you have proper homeowners insurance in place that covers rebuilding if your home is lost in the fire.

To effectively determine the anticipated cost to rebuild your home in Dillon, CO, calculate the value by a cost per square foot formula. “It’s also important to make sure that you [have] guaranteed replacement cost or extended replacement cost on [your current] policy,” Doug continues. “This is an additional amount of coverage provided by the company you’re with.”

Replacement Cost Coverage

Additionally, it is equally important to ensure that your personal property coverage contains replacement cost coverage on your policy to reimburse you for any personal items in your home lost in a fire. This coverage allows a full reimbursement to replace your items at no additional cost to you.

Separate Structures Coverage

Your separate structures are another area of concern to properly insure in the event of a wildfire. These structures may include detached garages, sheds, or other items built on your property. Doug explains, “Oftentimes, in the original policies, these are written with low [coverage] limits, but can be increased to make sure that there’s adequate coverage to replace these.”

wildfire insurance in Dillon, CO

Additional Living Expense Coverage

As it pertains to wildfire coverage, an additional special insurance coverage to look for is the additional living expense, the amount paid to you if you need to evacuate or find temporary living arrangements throughout the duration of your home rebuild. It is paramount to solidify an adequate amount of coverage for the duration of time you are out of the home.

Auto Coverage

Finally, do not leave your autos uninsured or without adequate coverage. By failing to secure comprehensive coverage on your automobiles, you risk the result of not receiving a replacement vehicle in the event of a comprehensive auto claim such as a wildfire.

Secure Your Wildfire Coverage with Centennial State Insurance Agency

If you are looking for wildfire insurance in Dillon, CO, our experts at Centennial State Insurance Agency are ready to help! As mountain specialists, we understand what is takes to insure homes properly in the mountains to make sure your home is rebuilt and you are taken care of. Contact us to compare quotes and properly insure your home, property, and auto today!

Preparing for Wildfire Evacuation

Preparing for Wildfire Evacuation

Last week we talked about some things you can do long before the danger of wildfire hits your area. This week we have some tips for preparing for a potential evacuation and what to do after a wildfire. It is very important to make sure your insurance is at the correct coverage amounts before a wildfire hits your area. Once an area has an active wildfire you can not make any changes to your coverages or issue a new policy.

Evacuation Prep

Being evacuated from your home is scary and is often comes with little notice. The best thing you can do, is prepare for fire season, which will help an evacuation go as smooth as possible.

Start by preparing an evacuation bag

In the bag you want to include:

  • Irreplaceable items, such as family heirlooms, one of a kind items, and family pictures. An alternative to packing up framed pictures is to keep digital copies of all your pictures on a flash drive and packing the flash drive (don’t forget to update the flash drive every year).
  • ID’s, licenses, passports, social security cards and other valuable documents.
  • Keep a backup sets of keys in the bag so you aren’t floundering to find them.
  • Have a list of important phone numbers, such as your bank, insurance company, doctor and emergency contacts. Some people prefer to pack copies of their insurance or other policies but having the policy numbers would be enough information.
  • Important logins and passwords will allow you to access any accounts on the fly.

Prepare a list of items you use on a daily basis

Having a list of items that can’t be prepacked will help you grab these important items faster and reduce the number of forgotten items. The list should include things like:

  • Laptop or tablet and phone or computer chargers
  • Medicine, glasses/contact and toiletries
  • A few days of clothes
  • Water and snacks
  • Money and credit cards
  • Keep the evacuation bag in a secure, but easily accessible area of your home

Have a plan for your pets.

There are window stickers you can purchase that will notify firefighters of how many animals you have in your home if you are not able to take them with you, or if you are not home at the time of the fire.

  • Place crates and carriers where they are easy to grab, and practice loading your pets into the carriers, so they are comfortable with the process.
  • Know how much room you have in your vehicle for your evacuation bag and pet carriers and plan accordingly.
  • If you have livestock and horses, you may not have time to load them in trailers and evacuate them with you. Have a plan for these animals. There are organizations that help with animal evacuation, contact them and see how they can help.

Other things you can do to prepare include:

  • Make your home accessible to firefighters. Clear extra cars, ATVs, boats, campers and any other large objects from your driveway and around your house so that fire trucks can get close and turn around.
  • Move flammable objects like paint cans and ammunition to a shed or detached garage.
  • Take the extra measure of moving high value jewelry, paintings, heirlooms or other irreplaceable items to off site storage units or safety deposit boxes during fire season so you don’t have to worry about these investments.
  • Speak with neighbors, good friends and family members about your evacuation plans. Where do you plan to go if evacuated for a few days? What if it turns into a few weeks? Do they have your phone numbers to contact you if needed?
  • Sign up for your county’s Code Red program so that you will be contacted in the case of an evacuation, and make sure you have other county services phone numbers for emergencies.

It is a great idea to practice an evacuation, especially if you have children and pets. Set a time to pretend that the call comes in and that you have 15 minutes to vacate the premises. Grab your evacuation bag, children and pets. Set a rendezvous point if you have multiple drivers and vehicles. This is a great exercise to realize how fast an evacuation can happen and to see what areas you may need additional preparation for.

After the Danger has Passed

The fire danger is gone, and because of your preparation your family was safe. You can now return to your home. Upon returning home it is important to walk around your property. Depending on how close the fire came to your home, there may be areas that smolder for days. Be diligent and watch for any signs of fire. Check your home inside and out for signs of fire or smoke damage. You should also check for signs of theft or missing items from the home. If you have any doubts about damage or theft, call your insurance agent to discuss a course of action.

After a wildfire, there is an increased chance of mud slides, earth movement and water damage. Because the vegetation has burned off, the ground becomes unstable. Most insurance policies exclude coverage for flood and earth movement. It is important to be aware of these restrictions and mitigate the possibility of damage to your property.

Written by: Centennial State Insurance Agency, Bailey

Wildfire Insurance: Prepare for Wildfire

wildfire insurance

Many across the state of Colorado are concerned with fire danger, and with good cause. This year’s fire season is already in full swing with several fires across the state. Being prepared for these life changing events can help make the process smoother.

In the content below, we discuss how you can best protect your property from incurring wildfire damages and also explore wildfire insurance options and considerations.

Preparing Your Property

There are many measures you can take before a fire. Mitigating trees on your property can reduce the risk of your home being a total loss. Remove trees close to the home, and thin trees on the property. Make sure that trees are trimmed and remove dead trees. Widen your driveway and create a turnaround area for fire trucks. The best steps you can take is to contact a mitigation company or your local fire department and have them come out to the home to make suggestions.

Clear Excessive Brush and Move Fuel Sources

You need to also clear brush 30 feet around your home. Rake pine needles, keep grass and weeds cut short to lower their fuel potential, remove any dead brush from under decks and take steps to close of the holes that allow dead brush to get under decks. Move any other fuel sources (gas cans, propane tanks, etc) away from the home. If you have a wood pile, make sure the pile is stored a safe distance from your home. Keep your gutters, chimney and roof clear of needles and leaves.

Help Make Your Home Wildfire Resistant

There are steps to make your home more fire resistant. Metal, clay or a non-combustible roofing material lowers your risk of the home catching fire from wind-blown embers, or crowning tree fires. You can also look into a less combustible siding material like brick, masonry, stone or hardboard.

Next time you replace your deck, look into trek or composite decking material. Upgrade your windows to double or triple pane, limit the number of windows and size of the windows that open to your largest area of vegetation.

Update Your Policy with Wildfire Insurance Coverage

It is a great idea to contact your insurance agent to talk about your individual risks and if you are insured adequately. Our lives change over time, and we don’t always remember to tell our insurance agents about the new floor we put in the home. It is best to do this before a fire starts. Once there is an active wildfire you can not change or issue an insurance policy, until the fire is over.

Dwelling

The first thing you want to go over with your insurance agent will be your dwelling value. Make sure that your agent knows about any upgrades you have made to the home.

  • Have you added an addition, or renovated the kitchen?
  • Did you replace the roof or siding on the home?

The details of your home may have changed since you originally bought the house. You need to make sure your insurance policy reflects these changes, and that your dwelling coverage will adequately replace the current condition of the home. Most insurance agents will use a replacement cost guide to input the information about your home and get an estimate of the cost to rebuild.

Detached Structures

Also, make sure you have enough coverage for detached structures such as sheds, barns or garages. Most policies have some coverage for detached structures built into the policy, but it is important to ensure that you have enough.

With today’s technology it is a great idea to use your smart phone and take photos or videos of your personal property. Walk around your house, shed and garage. Document what is on your shelves, dressers, safes, drawers, closets and jewelry boxes. This not only helps to prove the type of item you had, but will also help you remember what you had in the junk drawer.

Valuables

Most insurance companies have a built in limit for jewelry, fine arts, guns and collectibles. Consider the value of these items and talk to your agent about the built in limits and is scheduling these items would benefit you. When you schedule these items they are covered for the appraised value.

Special Motorized Vehicles

Many people are not aware that motorized vehicles are not covered on a homeowners policy. If you have a classic car, motorcycle, ATV, snowmobile, trailer, or motorized boat in your garage or barn, they will not be covered by the homeowners policy. Make sure that you have them covered under their own policy with at least comprehensive coverage on them.

Next week, we will have some tips on preparation for evacuation, and what to do during and after a fire.