This month, Colorado announced a new strategy for fighting wildfires that will help pinpoint the location of blazes quicker after the first smoke sighting. The planes will have thermal-imaging capabilities so they can pinpoint the location of blazes from several miles away. Colorado’s Division of Homeland Security and Emergency Management said no other state owns these types of planes. The announcement is encouraging for homeowners and businesses alike, but it also serves as a reminder of the dangers of wildfires and the importance of getting some insurance before it’s too late.
Being prepared for wildfires
Insurance can seem like an unnecessary consideration, but we all know that the wind can turn quickly. Buy Colorado insurance to get some peace of mind, especially when we think that just two years ago, 4167 wildfires raged through Colorado, causing record property losses of at least $538 million. That year (2012), 648 properties were destroyed, including 347 homes in the northwestern quadrant of Colorado Springs; it was the largest number of homes to be destroyed in state history.
Preliminary estimates for insured losses totaled $449.7 million for claims ranging from smoke damage to destroy homes and the loss of personal belongings and vehicles, according to a report by the Colorado Division of Fire Prevention and Control. The time to think about the unthinkable disaster—and to invest in the appropriate Colorado insurance coverage—is before it happens to you.
If your home were damaged or destroyed, insurance could help you repair or rebuild your home and replace damaged possessions. First, you need to find the right Colorado insurance company to meet your needs.
Navigating the wilds of insurance
Your search for Colorado insurance agents starts and ends with Diversified Commercial Insurers (DCInsurers). We are Colorado’s number #1 independent insurance brokers. We can help you navigate the complex business of Colorado insurance offerings so you can be sure to get the coverage you need for your home, business or vehicle at the most affordable price.
Homeowners insurance consists of coverage for your dwelling and your personal property. It also includes liability insurance, which pays for injuries to other people or damages to their property accidentally caused by you, your family or your pets. Homeowners insurance also typically covers costs for property losses due to wildfires. However, Colorado insurance companies are increasingly asking their customers to mitigate fire hazards on their property in accordance with the State ‘Firewise Program’ and local fire codes.
You also can buy several types of additional insurance for property that is not listed in your homeowners’ policy or for perils not covered — such as flood— for which you need a separate policy. You do this by either buying a separate policy or by adding an endorsement or rider to your Colorado insurance policy.
It takes knowledgeable and experienced Colorado insurance brokers to navigate this complex insurance system and ensure that customers receive the maximum possible benefits at the most affordable price. Diversified Commercial Insurers is proud to offer an easy-to-access network of Colorado’s top independent insurance agents and brokers who are standing by ready to help you select the perfect policy with the most comprehensive coverage to suit your needs.