Click to Call
Integrity First Insurance

4275 S Broadway
Englewood, CO 80113

Get Directions
Colorado Insurance Blog

What Happens If You Get a Speeding or Parking Ticket in Another State

For many drivers who travel for work or go on vacation frequently, out-of-state travel can involve dealing with different laws and speed limits, inconvenient or unusual parking scenarios and the threat of receiving a speeding or parking ticket.

If You Get a Speeding or Parking Ticket in Another State, What Happens?

For many drivers who travel for work or go on vacation frequently, out-of-state travel can involve dealing with different laws and speed limits, inconvenient or unusual parking scenarios and the threat of receiving a speeding or parking ticket.

Should you have to deal with a speeding or parking ticket in a different state, you may have a number of questions, including what to do about it, where to go in order to deal with it and whether or not you have to pay for it. Read below to find answers to the most common questions related to this scenario.

Parking Tickets

It’s not uncommon to receive a parking ticket in a strange town, especially if you are out after dark and the signage is difficult to read. It’s normal to be frustrated after receiving a parking ticket, especially considering that parking ticket offenses can cost anywhere from $60 to $240, depending on where you receive the ticket and why. What are your options? You have several to choose from:

Parking Ticket Option 1: Pay for the Ticket

It makes good financial sense to promptly pay the fine associated with the parking ticket, mainly because the fine generally increases the longer you wait to pay it. Although it might be frustrating, paying the fine as soon as possible might cost you less in the long run.

Parking Ticket Option 2: Ignore the Ticket

In certain municipalities, a gradual increase in the amount of fine you pay is only the first step in the process. If parking tickets remain unpaid, county authorities may also place a vehicle-immobilizing device, or “boot,” on your car. If you rarely visit the state where you received the ticket, getting a boot might not seem too scary, because you can pay the ticket and have the boot removed. The next step, when the municipality sends your parking ticket to a collection agency, might be a bit more concerning. Depending on the state where you live or where you received the ticket, you could end up with a negative impact on your credit, in addition to being unable to renew your license or registration. The threat of these negative repercussions may influence your decision, and you may determine that ignoring a parking ticket is not worth the additional hassle!

Parking Ticket Option 3: Fight the Ticket

If you feel as though you were wrongly ticketed, you can fight the ticket in court, even if you don’t have an attorney. You have several additional options:

  • Send a written affidavit to contest the ticket.
  • Directly contact the local prosecutor.
  • Pay for an attorney to defend you.

You may want to carefully considering the additional cost of time and travel expenses involved, as this option might not be worth it financially.

Speeding Tickets

Driving faster than the posted speed limit is one of the most common traffic violations in America, and even the best drivers may overlook the speed limit and end up with a ticket at some point. If you’ve already received a speeding ticket in another state, there are a few facts you should know.

Computers are always monitoring speeding drivers. The computers we’re referring to are used to help enforce the “Driver’s License Compact” (DLC) and the “Non-Resident Violator Compact” (NRVC). These compacts and the data they gather are part of an agreement between states to share information on drivers who have moving violations. This agreement is called the Driver License Agreement, and only two states (Wisconsin and Michigan) do not participate.

You may wonder how this agreement affects you. As an example, if you receive a speeding ticket in another state and choose not to pay it, the information is forwarded to your home state. When your home state receives the information, they may pursue payment on the fine.

Speeding Ticket Option 1: Pay for the Ticket

Although no one enjoys getting a speeding ticket, the fastest way to deal with it is to just pay the fine. Regardless of whether you receive one in your home state or another state, it’s a lot less hassle to pay for the ticket.

Speeding Ticket Option 2: Ignore the Ticket

Failing to pay for a speeding ticket that you received in another state can affect your license or insurance in a number of negative ways, including the following:

  • Your license may be temporarily suspended.
  • Your car insurance premium may increase.
  • Your car insurance company may drop your coverage.
  • You may receive significant fines.
  • You could even face imprisonment.

With serious consequences like these, not paying a speeding ticket is not a safe bet for any driver!

Speeding Ticket Option 3: Fight the Ticket

As we discussed above, fighting a parking ticket is usually not worth the additional effort. Because a speeding ticket is more severe and is usually expensive, fighting it is more common, regardless of the state. People commonly fight tickets for the following reasons:

  • They want to avoid adding more points to their license, which could put them at risk of having their license suspended and impact their ability to travel to and from work.
  • Their job requires that they have a license with no moving violations.
  • They want to avoid potential increases in insurance premiums.

You can hire a traffic attorney to help defend you, which is especially helpful if you hire someone in the jurisdiction where you received the ticket. These attorneys are familiar with local laws, which can help with your defense. There is always a chance that hiring an attorney may not pay off, as you still run the risk of losing in court. Potentially, you may end up having to pay your fine and associated attorney fees, which could cost you more in the long run.

Receiving a ticket while driving in another state can impact your driving history, your credit score and your insurance rates. Every driver makes mistakes, and if you have questions about how your out-of-state ticket may impact your car insurance rates or coverage, give us a call. We’re available to answer your questions and help you get the coverage you need to fit your budget and lifestyle.

Blog courtesy of National General Insurance

Car Thefts Are On The Rise In Colorado

According to data provided by the Colorado Metropolitan Auto Theft Task Force (CMATT), car thefts in Colorado have increased by 173% in the past 3 years. That makes Colorado the No. 1 state in the nation for car thefts per capita, as reported by the National Insurance Crime Bureau.

What is causing the number of car thefts to soar in Colorado?

One contributing factor is the growing homeless population in Denver. Many car thieves that are repeat offenders are part of the homeless population and use the stolen cars as shelters. Though most stolen cars are eventually recovered, the thief is often long gone and never found.

The relatively lax laws against car theft also play a significant part in the increasing rate of car theft. Even when thieves are caught, they tend to get out within days and see little to no punishment. The lack of real repercussions for car thieves makes it a low risk/high reward crime, leading to many repeat offenders.

Which vehicles are most at-risk of being stolen?

The Colorado Auto Theft Prevention Authority (CATPA) released a list of the 10 most-stolen vehicles in the Denver metro area from January-March 2022:

What can you do to prevent your car from being stolen?

  • No “Puffing.” Don’t leave your car running when you’re not in it.
  • Lock your car and roll up your windows. Leaving it unlocked, the windows down (even just a crack), or leaving a spare key in or on the car makes a thief’s job much easier.
  • Park in a garage if you can. Significantly fewer cars are stolen from garages than from driveway, streets, or parking lots.
  • Park in well-lit areas. Both in public and at home. If you park in your driveway or on the street at your house, consider adding a bright light to reduce shadows where a thief could hide.
  • Don’t leave valuables in your car. Many cars are targeted because the thief sees money, a computer, a camera, a purse, or some other valuables inside.
  • Install an outdoor camera that covers the area where you park your car. Just the presence of a camera can deter a would-be thief, and if your car is stolen it can help identify the culprit.

Read more tips for car theft prevention from Lockdown: https://lockdownyourcar.org/prevention/

Catalytic Converter Thefts are Soaring

What is a catalytic converter?

A catalytic converter is part of a vehicle’s exhaust system that helps turn toxic pollutants into cleaner emissions.

Why are they being targeted?

They are made of precious metals, commonly platinum, palladium and rhodium, all of which can be sold for high prices. A single catalytic converter can be sold for as high as $1,500.

Since they are easy to steal, many can be stolen in a short period of time. Since they are easy to steal and worth a pretty penny, they are a prime target for thieves to make money quickly.

Where are vehicles most at-risk?

Cars that are parked in public spaces are the most likely to have their catalytic converter stolen. Places where cars are likely to be parked for a longer period of time, like a Park-N-Ride or airport parking lot, are the most commonly targeted.

Which vehicles are targeted the most?

According to Denver7, Hondas and Toyotas are the most targeted vehicles in the Denver area.

What can you do to prevent your catalytic converter from being stolen?

The police don’t recommend confronting someone if you see them trying to steal your catalytic converter. There’s a pattern of thieves pulling weapons when confronted. It’s safer to call the police and report the theft in-progress while keeping a safe distance.

Some steps you can take to prevent theft:

  • Park in a garage or well lit area
  • Have the bolts holding the catalytic converter welded in place
  • Put a cage around it
  • Get your VIN engraved on the catalytic converter, which may deter theft or increase the chances of finding your missing part


Contreras, Ó., & Miller, B. (2022, April 4). Catalytic converter thefts: What cars are being targeted, where it’s happening, & how to protect yourself. Denver 7 Colorado News (KMGH). Retrieved August 30, 2022, from https://www.thedenverchannel.com/news/360/catalytic-converter-thefts-what-cars-are-being-targeted-where-its-happening-how-to-protect-yourself

Auto theft prevention tips- CATPA – all about puffer cars. CATPA. (2022, July 6). Retrieved August 30, 2022, from https://lockdownyourcar.org/prevention/

Fields, M. (2022, July 18). Fields: Aurora offering a model solution to Colorado car theft tsunami. Sentinel Colorado. Retrieved August 30, 2022, from https://sentinelcolorado.com/opinion/fields-aurora-offering-a-model-solution-to-colorado-car-theft-tsunami/

Friday. (2022, July 1). Year-to-date Colorado car thefts outpacing 2021. Colorado State Patrol. Retrieved August 30, 2022, from https://csp.colorado.gov/press-release/year-to-date-colorado-car-thefts-outpacing-2021

Kovaleski, J. (2022, June 21). Here are the areas where your car is most likely to get stolen in the Denver Metro Area. Denver 7 Colorado News (KMGH). Retrieved August 30, 2022, from https://www.thedenverchannel.com/news/investigations/here-are-the-areas-where-your-car-is-most-likely-to-get-stolen-in-the-denver-metro-area

Nieto, G. (2022, April 14). Top 10 most-stolen vehicles in the Denver Metro. FOX31 Denver. Retrieved August 30, 2022, from https://kdvr.com/news/local/top-10-most-stolen-vehicles-denver-metro/

Pender, C. (2022, August 9). Why do people steal catalytic converters? KRON4. Retrieved August 30, 2022, from https://www.kron4.com/news/why-do-people-steal-catalytic-converters/#:~:text=The%20three%20precious%20metals%20that,%2C%20according%20to%20cars.com.

How Often Should You Replace Your Roof and Why is it Important?

Don’t overlook your roof! This important structure affects more than curb appeal. It’s responsible for protecting many structures and systems.

View of home from the street

The parts of a home that get the most attention tend to be visual, and more or less at eye level: paint color, landscaping, porches, and decks. The roof is the one part of the home that doesn’t tend to get a lot of notice unless the gutters overflow or an enthusiastically tossed toy goes a little too high.

This important structure affects a lot more than your house’s curb appeal – it’s responsible for protecting interior structures from water, ensuring your HVAC system operates efficiently, safeguarding your loved ones in dangerous weather, and, in some cases, making your attic safe storage space.

Roof Age and Replacement Tips

How long does a roof last? Sales pitches for roofing companies can come fast and furious, inviting doubt to creep in over the integrity of the shingles overhead.

Here’s a short intro guide on the various types of roof materials, and when you may want to consider repair, replacement, or maintenance:

Asphalt Shingles

Typically black with a gravel-like surface texture, asphalt shingles are the most common type of domestic home roof material in America. With proper care and upkeep, this type of roof will offer between 15 to 30 years of viable service before you’ll need to replace them entirely. Because of the nature of its overlapping construction, it’s also relatively easy to swap out or replace broken or damaged shingles.

Composition Shingles

Made from a wider variety of materials in a multilayer design that can include fiberglass, composition shingles have a slightly shorter lifespan, between 12 and 20 years before replacement is necessary. Like asphalt shingles, they may become damaged or lost periodically due to weather and exposure but can be replaced as needed.

Wooden Shingles

This type of roofing – as the name suggests – is made out of wood, often cedar for passive pest control, but also woods like cypress, pine, or redwood. This natural material is hardy and offers between 20 and 25 years of use before you will need to replace your wooden roof. While rot and pest-resistant woods and coatings are used, this type of roof material can be vulnerable to problems like moisture, mosses, mildew, and insects.

Metal Roofs

Metal roofs are durable and industrial, offering between 50 and 75 years of dedicated protection, on average. Because of their overlapping design and potential corrosion, these types of roof coverings are susceptible to leaks, so care must be taken to maintain and assess them regularly, usually bi-annually unless specific issues crop up. If they become dented or warped (think storm-fallen limbs), they can be expensive to repair or replace.

Rubber Roofs

A rarity in domestic neighborhoods and typically the domain of industrial buildings, rubber roofs last between 30 and 50 years before a full replacement is called for. Over time, particularly in hot, sunny, or damp climates, this roofing material may shrink and pull back at its seams, causing issues with peeling and leaks from moisture buildup and pooling.

Do I Need to Replace My Roof?

If you know when your roof was installed and the material falls within the normal lifespan, likely not unless you’re experiencing specific issues. That being said, if you are nearing the end of that lifespan or an in-place warranty is due to expire, it’s a smart move to schedule a full roof assessment.

In addition to regular visual inspections as you walk around your house or in your attic, it’s best to have a roofing company inspect, repair, and maintain your roof at least every other year. If your home is in an area with extreme weather or a great deal of direct sunlight and high temperatures, an annual checkup is an even better idea.

Blog content courtesy of Safeco Insurance

Do You Need to Insure an E-bike?

What is an E-bike?

According to Colorado Parks & Wildlife, an E-bike has 2 or 3 wheels, fully operable pedals, and an electric motor that doesn’t exceed 750 watts of power.

There are 3 classes of E-bikes:

Important Colorado E-bike laws:

  • Electronic bicycles are not required to be registered
  • There are no license requirements for E-bikes
  • Generally speaking, Class 1 and 2 E-bikes are allowed to operate on the same paths as conventional bikes, thought local jurisdictions can prohibit operation on specific paths
  • Class 3 E-bikes are only allowed on streets and bike lanes, unless specifically permitted by local jurisdictions
  • There are different rules pertaining to State Park or Wildlife Areas
  • E-bikes must ride in the right-hand lane when traveling a less than the normal speed of traffic on a roadway
  • Riders must signal intent to turn or stop and yield the right of way to pedestrians
  • One hand must be kept on the handlebars at all times
  • Class 3 E-bikes have the following age and helmet restrictions:
    • Operators must be 16 or older (passengers can be under 16)
    • Operators and passengers under 18 must wear a helmet

Does an E-bike have to be insured?

The short answer is no. There aren’t any legal requirements to insure an E-bike. That being said, if you have a loan on an E-bike, your lender will likely require you to carry insurance on it.

Even though you’re not required to have insurance on an E-bike, it’s important to at least have liability coverage. You can go faster on an E-bike than you might otherwise travel on a conventional bike, which makes the risk of crashing a little higher. If you hit a person, fence, house, mailbox, or something else, you could be responsible for the damages. Liability insurance will help you pay for those damages if a situation like that arises.

If you’ve paid a pretty penny for your E-bike, it probably makes sense to get adequate insurance for it. That way if it gets stolen, damaged in a fire, you’re in an accident, or something else happens, you’re not left empty handed.

How to insure an E-bike:

Many homeowners policies will afford some amount of coverage for an E-bike. Some policies may only extend liability, whereas others have a special limit of physical damage coverage included and some may not extend any coverage at all. Each insurance carrier has their own guidelines, so be sure to check what coverage you have on your policy.

Keep in mind that most home policies have a deductible of $1,000 or higher, so if you’re counting on your home policy to cover any damages to your bike you’ll need to cover your deductible before your policy pays out. Depending on the value of your E-bike and your home insurance deductible, it might not make sense to insure it on your home policy.

Many E-bikes cost several thousand dollars, so a total loss might exceed your deductible. But if a $1,200 E-bike was stolen, that’s not a claim I’d recommend filing on a home policy. You’d only get $200 from that claim example, which isn’t worth having a claim against your home insurance since it would likely cause your premium to increase for up to 5 years.

If you don’t have a home policy or if your policy doesn’t provide the coverage you’re looking for, you can generally insure and E-bike on a motorcycle policy. One benefit of that is that you can choose a lower deductible, like $500 or even lower.

Another plus is that you can file a claim without it impacting your home insurance. A claim for a stolen E-bike wouldn’t cause your motorcycle premium to increase like it would if you filed a claim on your home policy.

Insuring an E-bike on a motorcycle policy would also give you the option of Medical Payments and Uninsured Motorist coverage, both of which can be extremely valuable. Medical Payments coverage can help pay for your injuries, regardless of whether you’re at fault for a loss. The limit is usually $5,000 per person, but limits can vary.

Uninsured Motorist coverage will help cover your costs if you’re not at-fault for in an accident and the other person doesn’t have enough coverage. You can get Uninsured Motorist coverage up to the bodily injury liability limits on your motorcycle policy.

Read more about Uninsured Motorist coverage: What is Uninsured Motorist Coverage?


Colorado Parks & Wildlife. Colorado Parks and Wildlife. (n.d.). Retrieved June 27, 2022, from https://cpw.state.co.us/thingstodo/Pages/E-Bike-Rules.aspx

Electric Bicycles. Electric Bicycles | Colorado General Assembly. (n.d.). Retrieved June 27, 2022, from https://leg.colorado.gov/content/electric-bicycles

10 Life Changes You Should Tell Your Insurance Agent About

Most people buy insurance for their home and auto and don’t think about it much unless the rates go up or they need to add a new car. The policy you bought 3 years ago might not be the right coverage for you now if you’ve had any life changes.

Here are some examples of changes you should tell your insurance agent about to make sure your coverage reflects your current situation.

1. You’re having a baby or adopting a child

Congrats on the new addition!

Health insurance is probably the only kind of insurance you think about after having a new baby, but it’s important to tailor your insurance portfolio to your current stage of life. That might mean updating your life insurance or increasing your MedPay limits on your auto policy.

2. One of your children is going to college or moving out

Insurance covers members of the household. Anytime the household members change, it’s important to talk to your agent about your policy. If your child moved out, you might need to take them off your auto policy and have them get their own. When a kid is away at college, they can often still be covered by your policy.

Talking to a licensed agent can help you decide the right way to cover your entire family.

3. You got married or moved in with a significant other

When moving in with a significant other, it’s important to adjust your insurance accordingly. You’ll need to list your partner as a driver on your auto insurance, and it often makes sense to combine your insurance for additional savings.

Your marital status can also impact insurance rates, so you might get a slight discount after you get married.

4. You’re moving

It can help alleviate stress if you call ahead of time to get your ducks in a row. You can get a quote for a your new address and have everything set for when your moving day is here. Even if you only have auto insurance, you should still call to update your address.

5. You’re buying a new car, boat, motorcycle, or other recreational vehicle

Whenever you buy a new vehicle, you’ll need to update your auto policy. If you’re buying your first motorcycle, boat or other recreational vehicle, you might need to get a new policy to cover it. It helps to call before you’re ready to purchase your new car or toy so you can have an idea of what the insurance will cost before you sign anything.

6. You’re buying a second home or investment property

Most insurance carriers require each home to be on its own policy. Talk to your agent if you’re considering purchasing a new property so you can get a policy set up.

7. You’re updating or adding onto your home

Whenever you make improvements to your home, your homeowners insurance should be updated. You may need to adjust your dwelling coverage limit to ensure you have enough coverage to rebuild if there was a loss.

8. You’re working from home or starting a business out of your home

Many home policies have limited or no coverage for home businesses. That means any liability risk you have and your business property (like computer or merchandise) may not be covered if there’s a loss. Talk to your agent to go over what your risk is and if there’s any coverage you can add to your policy.

9. You completed more education or changed careers

Higher education usually means bigger discounts on auto insurance, and your career can impact your rates as well.

10. The lender for your car or home changed

Make sure your policies are updated when your loan changes so the correct lender gets important correspondence. Your mortgage company might be responsible for paying your home insurance, so it’s especially important for your policy to have the right mortgage company listed.

Insurance Claim Terms Broken Down

The claims process can be difficult to navigate, especially when the insurance company is throwing around terms you’ve never heard.

Here’s a breakdown of some of the common terms relating to insurance claims:


An adjuster is the trained claim representative assigned to help you if you file a claim. They’ll examine the damage to your covered property and review your policy to determine what coverage you have. The adjuster is also responsible for issuing payment for your claim.

Actual Cash Value (ACV)

Actual Cash Value (ACV) coverage takes depreciation into account at the time of the loss. If you have ACV coverage, your policy won’t pay to replace what is damaged. Instead they will pay the depreciated value, which subtracts for age and condition. ACV is calculated by subtracting depreciation from the replacement cost.


Many items lose value over time due to age, wear and tear and the manufacturing of newer and better products. That reduction in value is known as the depreciation. Cars are notorious for depreciating as soon as they are driven off the lot, but many household items also depreciate.

Replacement Cost

The cost to actually replace a lost or damaged item, regardless of age and condition at the time of loss. For example, if you bought a TV 10 years ago for $300 but it costs $700 to buy a comparable TV today, Replacement Cost coverage would pay the full $700 to replace the TV if you had a covered loss.


Your deductible is the amount you have to pay before your insurance company will payout for a claim.  The insurance company will generally subtract the deductible from the total payout.

If you have a $1,000 deductible and had a claim for $4,000, the insurance company would issue payment for $3,000 and you’d be responsible for the other $1,000.

Policy Limits

The dollar limits for each coverage on your specific policy. The policy limits are the maximum amount your policy will pay out under each coverage for a loss. Many policies also have “sublimits” for certain classes of property, like jewelry, coins, or other valuables.


If someone else is responsible for causing damage to your property, your policy may pay for the damage and then seek reimbursement from the responsible party. If the insurance company has received reimbursement, you may get some or all of your deductible back.

How to Avoid Contractor Fraud

When there’s a catastrophe, like a fire or hail storm, the likelihood of contractor fraud increases immensely. Here are some tips for picking a reputable contractor and avoiding fraud.

1. Only work with contractors that are licensed

Colorado doesn’t require contractors to be licensed on the state level, so don’t assume that every contractor you encounter has a license. Many counties and cities have specific requirements, but not all local governments require contractors to be licensed.

Licensed contractors are required to have a certain amount of experience and pass an exam. That helps ensure they are qualified in their field.

You can verify the license of a professional you’re considering here: Verify a Colorado Professional or Business License

2. Find a contractor that is insured

If your contractor isn’t insured, you could be responsible for any injuries that occur while they’re working on your property. Request a Certificate of Insurance from any contractors you’re considering to verify their coverage.

3. Work with local contractors when you can

Local contractors have a better idea of the rules and regulations in your area. Not only does that help ensure work is done to code, but it also speeds up the process. If you hire a contractor from another state, there’s a chance you could be waiting longer for them to get permits pulled and inspections done.

A contractor that is local is also less likely to take payment and leave town without completing the work. If you have any issues with the work done, you can often get a local contractor to come back and fix it whereas someone from out of town might leave you high and dry.

4. Check references and reviews

If multiple people have complaints about their experience with a specific contractor, there’s a good chance you’ll also have issues with them. But if you find glowing reviews online and get good references for them, you’ll likely have a better experience.

5. Don’t get pressured into making a hasty decision

You don’t have to sign a contract immediately. Take your time, gets bids from multiple contractors, and make sure you understand the contract before you sign it. If you’re being pressured to sign something on the spot, that might not be a contractor you want to work with.

6. Get everything in writing

According to Travelers, the contract should include:

  • A detailed description of the work to be completed and the price of each item.
  • A payment schedule – for example: one-half down and one-third when work is partially completed, and the balance due upon completion of repairs.
  • The estimated start date and completion date on larger projects.
  • Any applicable guarantees, which should be written into the contract and clearly state what is guaranteed, who is responsible for the guarantee, and how long the guarantee is valid.
  • Signatures from both parties. You should never sign a contract containing blank sections.

7. Don’t pay in full for incomplete work up-front

Paying up-front increases the risk of a fraudulent contractor taking your money without completing the work. It also opens the door to poor workmanship and cutting corners because they don’t have to meet certain expectations in order to get paid.

When paying a contractor, pay by check rather than cash. Make the check out to the company rather than an individual.

8. Keep all records together in a safe place

Any paperwork you receive regarding the job should be kept together. Then if you need to reference anything you can find it. It also helps your case if there are any disputes.

This can include anything from the contract, any changes to the contract, estimates, invoices, certificates of insurance, correspondence, etc.

9. If you’re filing a home claim, file it and talk to your adjuster before starting on any work

If you’re repairing your home because of a loss that might be covered by insurance, make sure you file a claim before starting any work.

The insurance company needs to verify coverage before they can approve a claim. If you begin the repairs before an adjuster reviews the damage, your claim could be declined.

10. Report any suspected fraud

You can call local law enforcement, the National Insurance Crime Bureau 1-800-TEL-NICB, or FEMA disaster fraud hotline 1-866-720-5721 to report any suspected fraud.


Hiring a contractor checklist and tips. Travelers Insurance. (n.d.). Retrieved April 28, 2022, from https://www.travelers.com/resources/home/renovation/checklist-for-hiring-the-right-contractor

Colorado general contractor license and Insurance Requirements. Next Insurance. (2021, December 15). Retrieved April 28, 2022, from https://www.nextinsurance.com/blog/colorado-general-contractor-license-and-insurance-requirements/

Top 4 Reasons Insurance Rates in Colorado are Increasing

1. Volatile Catastrophe Trends

In the insurance industry, a “catastrophe” is a disaster that is unusually severe and meets or exceeds a loss threshold. As of December, 2021, the current dollar threshold to declare an event a catastrophe is $25 Million, according to Insurance Information Institute. Some examples of catastrophic events include tornadoes, hailstorms, high wind, flooding, hurricanes and wildfires.

Colorado does see some flooding and tornadoes, but the largest losses come from wildfires and hailstorms. Colorado has the 3rd highest wildfire risk in the US and had the 2nd most hail claims filed between 2018-2020.


Insurance Information Institute reported that as of October, 2021, Colorado has 373,900 properties with “high to extreme wildfire risk.” That makes up 17% of the properties in the state. With so many properties at risk of being damaged or destroyed by wildfire, insurance companies have to plan accordingly.

Colorado’s highest catastrophic payouts since 2017:

May 8, 2017 Denver Metro Hailstorm: $2.3 Billion

2018 Front Range & CO Springs Top 3 Hailstorms:  $276.4 Million, $169 Million, $172.8 Million

2020 East Troublesome Fire: $543 Million

2021 Marshall Fire: Over 1000 structures destroyed and estimated $1 Billion in damages

Catastrophe Facts and Statistics- RMIIA

The high wildfire risk in Colorado means higher rates across the state. But insurance companies charge more for insurance on homes that have the highest risk. They do this by assigning each property a Protection Class (PC) or Brushfire Score, which determines the risk of fire and the responding fire department’s ease of access and resources. The higher the PC or Brushfire Score, the higher the premium charged to insure that property.

Read more: What You Should Know About Wildfires and Insurance

Colorado has the 3rd highest wildfire risk in the US and had the 2nd most hail claims filed between 2018-2020.


Hail has been a problem in Colorado for as long as I can remember, but the number and severity of claims have increased significantly over the past decade. Part of that is due to the increasing population in the state. The more homes that are built on the Front Range, the more targets there are for hail to hit.

Between January 1, 2017 and December 31, 2019, Denver and Colorado Springs were in the top 5 cities for hail losses, with Denver at #2 and Colorado Springs at #3, according to an Insurance Journal article. Insurance companies in Colorado pay out hundreds of millions, if not over a billion dollars for hail damage every single year. Most companies have higher deductibles for wind and hail losses to help mitigate the risk. They also have to charge an adequate amount for both auto and home insurance.

2. Traffic Accidents

There are three major factors causing the number and severity of traffic accidents to rise in Colorado: Booming Population, Impaired Driving, and Distracted Driving.

Population Growth

It’s no secret that the population in Colorado is increasing at a rapid rate. According to U.S. News, the 2020 Census showed that Colorado was 6th fastest-growing state from 2010-2020, with a 14.8% growth. Unfortunately, traffic infrastructure has not kept pace with the population growth, leaving many roads on the front range gridlocked more frequently than not. More cars on the road directly correlates with accident frequency.

Distracted Driving

In addition to the heavier traffic, dangerous driving activities are becoming more common. Nearly everyone has a smart phone, and most people don’t put their phone on “Do Not Disturb” when they get behind the wheel. Distracted driving can include anything that takes focus away from the road, including texting, talking on the phone, eating, reading, and more.

According to CDOT’s 2021 annual survey:

91% of participants reported driving distracted in the past seven days.
54% admitted to reading a message on their phones.
Nearly 50% talked on a cell phone while driving.
41% sent a message while driving.

CDOT also reported that in 2020, 10,166 crashes in Colorado involved distracted drivers. Those accidents caused 1,476 injuries and 68 deaths.

Impaired Driving

Impaired driving is also contributing to more severe and frequent accidents. The total number of fatal crashes has increased by 37% from 2011 to 2021. Fatalities involving drivers that tested positive for drugs increased by 39.3% from 2015 to 2019. Drivers with a BAC over the legal limit were involved in 8.6% more fatal accidents during that same time.

From 2020 to 2021, the number of DUIs involving marijuana went up by 48%. While not all DUI incidents end in an accident, the increase in risky driving behavior certainly impacts the frequency of crashes.

With impaired and distracted driving causing more crashes, injuries and fatalities, insurance companies are paying out more for auto claims in Colorado. Higher medical costs are also impacting the higher payouts for auto accidents. Berkley Accident and Health reported that treatment costs increased by 6% in 2020 and another 7% in 2021.

Unfortunately when accident frequency and severity increases, we all pay the price. The more insurance companies pay out in claims, the more rate increases they are forced to take in order to remain solvent in the state.

3. Supply Shortages

There have been worldwide supply shortages since the pandemic started in 2020, which have led to inflated prices across most industries. Since the materials for home construction and auto parts are more expensive, insurance payouts are also inflated.

Auto Part Shortages

According to the Consumer Price Index, the cost of auto parts have increased by 14.2% from March 2021-March 2022. Insurance companies generally consider a vehicle a total loss if it will cost more than 70% of the vehicles value to repair the damage. That means more cars are being totaled because of the inflated repair costs.

Both new and used cars are also much more expensive than they were a few years ago. Supply chain disruptions have made it harder for manufacturers to produce enough new vehicles. There were 7.7 Million fewer vehicles produced in 2021, largely due to the microchip shortages. The shortfall of new vehicles directly impacts the price of used vehicles.

Price increases from March 2021 – March 2022:

New Vehicles: 12.5%

Used Vehicles: 35.3%

Motor Vehicle parts and equipment: 14.2%

*According to the U.S. Bureau of Labor Statistics Consumer Price Index

As the values of used vehicles increase, the payouts for total losses get higher. With insurance companies paying out more, the cost of insurance also goes up.

Building Material Shortages

On top of the rising costs impacting auto insurance, the costs of building materials have also soared because of supply chain shortages. Lumber prices jumped 42% in the first year of the pandemic, and steel mill products rose 81% in the first three quarters of 2021. Throughout 2021, the price of materials for new construction increased by over 18%.

The inflated cost of materials alone has led to much higher prices for rebuilding homes that have been damaged. Just like with auto insurance, higher home claim payouts leads to home premium increases.

On home policies, insurance companies are increasing rates to keep up with the amount they are paying out for claims but premiums are also rising due to higher coverage amounts. Since it costs more to rebuild a home, the amount of coverage you have on your home policy is likely also increasing.

There’s a good chance that if your policy was written more than a year ago, you don’t have enough coverage to rebuild your whole home.

You may have been able to rebuild your home for $150/square foot 4 or 5 years ago, but now it might cost closer to $275/square foot. As a result, your dwelling coverage (Coverage A) needs to increase to ensure your home is properly insured.

Many homeowners found out they were underinsured after the Marshall Fire, which is largely due to the rapid inflation seen in the past several years. If you haven’t review your home coverage with a licensed agent recently, I highly recommend you do. There’s a good chance that if your policy was written more than a year ago, you don’t have enough coverage to rebuild your whole home.

Read more: If Your Home Burned Down, Would You Have Enough Coverage?

4. Labor Shortages

You can walk into almost any business and see a “Help Wanted” sign on the door. It’s no secret that there are labor shortages across most industries. The shortage of workers has directly impacted the supply shortages, but even when the supplies are available many industries don’t have enough people to actually do the work.

Auto Technician Shortages

There’s currently a deficit of trained auto technicians to work on repairing damaged vehicles. To keep up with demand, there needs to be 3 times as many qualified technicians. The shortfall of auto technicians is causing higher auto repair costs and longer repair times.

When it takes longer to repair a vehicle, the insurance companies end up paying for a rental car for longer which also increases the claim payout amount.

Skilled Construction Labor Shortages

When it comes to home construction, there’s a shortfall of at least 200,000 skilled trade workers. That has led to more expensive bids for both home repairs and new construction. Not only are skilled workers charging more for their labor, but the amount insurance companies are paying for Additional Living Expenses is much higher.

Most home policies come with coverage for Additional Living Expenses, so if you can’t live in your home due to a covered loss they will pay for the additional expenses you incur as a result. That includes a hotel or long-term rental, restaurant expenses if you don’t have a kitchen to cook in, dry cleaning bills if you don’t have access to a washer and dryer, and more. If takes 6 months longer to rebuilt your home after a loss, the insurance company is paying those expenses for longer.

At the end of the day, the amount insurance companies pay out for claims directly impacts the amount they charge for insurance. All of the reasons listed above are causing insurance companies to pay out more than they have in the past. As a result, the cost of auto and home insurance are increasing accordingly.


Boyd, S. (2021, January 29). Marijuana Dui Arrests Up 48% In Last Year Across Colorado. CBS Denver. Retrieved April 13, 2022, from https://denver.cbslocal.com/2021/01/29/marijuana-dui-colorado-arrests-alcohol/

Catastrophe Facts & Statistics. RMIIA. (n.d.). Retrieved April 13, 2022, from http://www.rmiia.org/catastrophes_and_statistics/catastrophes.asp#:~:text=The%20most%20destructive%20wildfire%20in,and%20auto%20insurance%20claims%20filed

Davis Jr., E. (2021, April 28). 2020 census shows America’s fastest-growing states | best … U.S. News & World Report. Retrieved April 13, 2022, from https://www.usnews.com/news/best-states/slideshows/these-are-the-10-fastest-growing-states-in-america

Distracted driving. Colorado Department of Transportation. (2022, April 4). Retrieved April 13, 2022, from https://www.codot.gov/safety/distracteddriving

Facts + Statistics: Wildfires. Insurance Information Institute. (n.d.). Retrieved April 13, 2022, from https://www.iii.org/fact-statistic/facts-statistics-wildfires

Spotlight on: Catastrophes – Insurance Issues. Insurance Information Institute. (2021, December 13). Retrieved April 13, 2022, from https://www.iii.org/article/spotlight-on-catastrophes-insurance-issues

Top states, cities for insurance claims for hail damage. Insurance Journal. (2020, April 28). Retrieved April 13, 2022, from https://www.insurancejournal.com/news/national/2020/04/28/566579.htm

U.S. Bureau of Labor Statistics. (2022, April 12). Table 7. consumer price index for all urban consumers (CPI-U): U.S. city average, by expenditure category, 12-month analysis table – 2022 M03 results. U.S. Bureau of Labor Statistics. Retrieved April 13, 2022, from https://www.bls.gov/news.release/cpi.t07.htm

Unni, C. (2021, November 29). The Pandemic’s Lasting Effects: Medical Costs Projected to Rise 6.5% in 2022. Berkley Accident and Health. Retrieved April 13, 2022, from https://www.berkleyah.com/the-pandemics-lasting-effects-medical-costs-projected-to-rise-6-5-in-2022/

Should My Roommate Be On My Renters Policy?

You share a lease and a home with your roommate, but should you share a renters policy? The majority of the time, the answer is no.

Typically, a renters policy is designed to only cover one “household,” which is the owner of the policy and their family members. Unless your roommate is a relative, they don’t count as an “insured” on most renters policies.

Many insurance companies won’t allow a non-family member to be added on a renters policy, so it’s often not an option to share a policy. That being said, there are some insurance companies that will allow you to add a roommate to your policy. While it may seem like a good idea to save some money by splitting the cost of one policy, there are some other factors to consider.

For one, if your roommate has a claim that doesn’t effect you, it’s still on your policy and that will follow you for 5 years. Even if there is a claim that impacts you both, like a fire, there can be complications when it comes to splitting the claim payment. You wouldn’t each get separate checks to replace your belongings, you’d get one check with both of your names on it. So you should consider how well you know and trust your roommate when it comes to money.

That also brings up the matter of how to split a claim payment. Do you split it 50/50? What if one of you owns more of the furniture? Or if one has more expensive items than the other? Those are all things to discuss before agreeing to share a renters policy with a roommate.

If you’re the one being added to your roommates policy, there’s the risk that they could forget to pay the bill and leave you both uninsured. I highly recommend being the primary policyholder if you are going to share a policy, that way you know it’s paid and active and there haven’t been any changes made behind your back.

Another thing to keep in mind is whether or not your roommate is going to be around long-term. If you move every year, or tend to cycle through roommates frequently, it might not make sense to include your roommate on your policy.

Considering renters insurance is relatively inexpensive, often less than $200 per year, the amount you can save by sharing a renters policy with a roommate may not be worth the risk. You might save $100 per year, but if your roommate files a claim and your future rates increase because of it, you could easily pay back any potential savings.

At Integrity First Insurance, we focus on helping our clients understand their insurance and find the right coverage for their needs. If you have any questions about how renters insurance works or who should be on your policy, email or call us today.

If Your Home Burned Down, Would You Have Enough Coverage?

After the Marshall Fire tore through entire neighborhoods in Superior and Louisville, many people are worried about their home insurance. There have been countless reports of families whose home insurance was too low to rebuild their home. Not only did they lose their home, their belongings, and their sense of normalcy, now they are frantically trying to figure out how they will afford to rebuild.

That raises the question, how do you know if you have enough coverage? After all, you pay for insurance so you can be made whole again if disaster strikes. And what good is a policy that leaves you with only half a home after a fire?

How much home insurance is enough?

Many homeowners are concerned when the dwelling limit is lower than the amount they could sell their home for. Remember, an insurance company is never going to sell your home, just rebuild it. You should insure your home for the amount it would cost to rebuild your home. Not what the real estate market estimates it is worth.

How do you know if you have enough home insurance?

Insurance companies use a Replacement Cost Estimator (RCE) to determine the estimated cost to rebuild a home in the event of a total loss. When filling out the RCE, we can get very specific with the details in the home.

The RCE will factor in things like square footage, the foundation (basement, slab, etc.), the number of bathrooms, and the finishes in the home, like flooring, counters and cabinets. For homes with higher end finishes, we can go even more in-depth. We can input the light fixtures, crown or base molding, and special features like theatre rooms, built-in speakers, wet bars, and wine cellars.

That being said, the RCE is only an estimate and the costs of labor and materials are constantly changing. The actual cost to rebuild your home may even change over an annual policy term. For example, when COVID-19 hit, the cost of lumber skyrocketed. So it now costs more to rebuild a home than it did before the pandemic.

To account for inflation and increasing construction costs, we recommend Extended Dwelling Coverage. Extended Dwelling Coverage provides an additional percentage of your dwelling limit. It’s usually either an extra 25% or 50% (some carriers even offer 100%), which can extend if there is a loss.

Example: Your dwelling limit is $300,000 and you have 50% of Extended Dwelling Coverage. If there was a significant loss to your home you’d have up to an extra $150,000 to cover any costs that exceed your $300,000 dwelling limit.

Your home has to be correctly insured for the Extended Dwelling Coverage to extend. You can’t underinsure your home and then count on the additional percentage of coverage to fill that gap. That’s why it’s important to notify your agent if you make any significant changes to the home. If you finish the basement or upgrade your kitchen or bathroom, you need to update the RCE.

Debris removal is a cost that people often overlook.

Most policies include coverage to remove the debris after a loss. The cost of debris removal can be significant.

Many counties have an ordinance that requires demolition when a certain percentage of the home is damaged, usually 60% or more. So even if there are parts that are salvageable, the whole thing might need to be rebuilt. In cases like this, your dwelling value isn’t only covering the rebuilding of your home. It’s also covering the demolition of the undamaged portion of your home and the cost of hauling away that debris.

Are your belongings covered?

Most homeowners policies also include coverage for your personal property. So if your house were to burn down, or be impacted by another covered loss, you won’t be on your own to replace your belongings.

The majority of policies default to Actual Cash Value settlement for personal property. That means if your belongings were damaged or destroyed in a loss, your claim payout would be the original value minus depreciation for age and wear & tear. That’s not going to go very far when it comes to replacing your things.

I highly recommend purchasing Replacement Cost coverage for your personal property, if available. With Replacement Cost, you’ll be given the full cost to actually replace an item rather than the depreciated value.

If you have any high value items or collections, it may be beneficial to schedule those on your policy to ensure you receive the full value if there is a loss.

Create a home inventory to keep track of your belongings

One way to account for the personal property you have in your home is to fill out a Home Inventory Checklist. If you’re prepared with a home inventory, it can help make things go more smoothly if disaster strikes and you have to replace everything.

Read more about How to Create a Home Inventory.

What happens if you can’t stay in your home after a loss?

If your home becomes uninhabitable due to a covered loss, your homeowners policy will pay for the additional living expenses you incur. You would continue paying your normal expenses, like your mortgage and property taxes, and your policy would pay for the extra costs that arise as a result of your claim. That can include paying for a hotel or long-term rental, restaurant bills if you’re unable to cook in the hotel, laundromat costs, etc.

This coverage is typically called Loss of Use or Additional Living Expenses. The limit of coverage could either be a set dollar amount (like 20% of the dwelling limit) or an amount of time (12 or 24 months). It’s important to have an adequate limit because if your home is a total loss it can take a significant amount of time to rebuild.

Some policies offer “walkaway” coverage

If you lost your home to a fire that burned your entire neighborhood, you might wish you didn’t have to rebuild in that area. That’s especially true if you chose your location based on the surroundings and the scenery. After a fire, there’s probably not much natural beauty to look at.

Most home policies will only pay replacement cost once your home has been rebuilt. There are a few select insurance carriers that offer replacement cost coverage up front if the home is deemed a total loss. That equates to “walkaway” coverage because you can take the payment and go build or buy elsewhere.

Keep in mind the policy isn’t going to pay what your home would have sold for prior to the loss, it will only pay what it would cost to rebuild your home.

Do you feel confident your policy has coverage you need if your home burned down? If not, give us a call today. Our agents are committed to providing specialized coverage for each individual or family’s needs.

Connect With Us

for all your insurance needs!


Partner Carriers

  • American Modern
  • ASI
  • Auto-Owners
  • Central Insurance Companies
  • Chubb
  • Dairyland Auto Cycle Insurance
  • Dundee Mutual
  • Encompass
  • FIGO
  • Foremost
  • Grinnell Mutual
  • Hagerty
  • Halstad
  • Liberty Mutual
  • MetLife
  • Midland National
  • Nationwide
  • Philadelphia Insurance Companies
  • Progressive
  • Safeco
  • Travelers

Servicing these States

  • Colorado
  • North Dakota
  • Minnesota

Latest News

Follow by Email