Tag: hail insurance claim

• How to Switch Home and Auto Insurance in Colorado (Without a Coverage Gap)

  Switching home and auto insurance in Colorado? There’s a right order of operations. Here’s how to move carriers without a coverage gap, a legal headache, or an escrow mess.
• Colorado’s New Wildfire Risk Score Law: How to Read That Letter From Your Insurer (HB 25-1182)

  As of July 1, 2026, Colorado insurers must show you your wildfire risk score, credit your mitigation work, and let you appeal. Here’s how to use HB 25-1182 to your advantage.
• RCV vs. ACV: How Your Roof Is Actually Covered in Colorado

  Here’s the most expensive surprise in Colorado homeowners insurance, and it fits in three letters. After a hailstorm, two neighbors with identical houses and identical damage can get wildly different checks — one covers a full roof replacement minus the deductible, the other covers maybe half. The difference isn’t the carrier being sneaky on claim…
• Colorado’s New Hail Roof Grant Program: How SB26-155 Works for Homeowners

  If you own a home anywhere along the Front Range, you already know the drill: hail hits, roofs get shredded, and everyone’s insurance premium goes up — even if your house didn’t take a single dent. Colorado just passed a law that tries to break that cycle, and it’s worth understanding before the next storm…
• Homeowners Insurance for First-Time Buyers in Colorado

  Buying your first home along Colorado’s Front Range is a big milestone. Whether you’re closing on a bungalow in Denver, a newer build in Parker, a townhome in Highlands Ranch, or your first place in Lakewood or Arvada, the excitement often comes with a long checklist—and a lot of questions. One item that frequently causes…
• The Colorado Home Insurance Checklist: What to Review Before Your Next Renewal

  A practical, Colorado-specific home insurance checklist: replacement cost, roof coverage, hail and wildfire deductibles, mitigation, umbrella, and what to review every year.