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Colorado Insurance Blog

Flood Insurance 101

Beginner’s Guide to Flood Insurance

When I ask clients if they would like to get a quote for flood insurance, I am almost always met with the same answer: “no, my home isn’t in a flood zone.” The truth is: Every home is in a flood zone.

You’re not required to purchase flood insurance if your home isn’t determined to be in a “high-risk zone.” But every home has the potential of flooding.

After talking to many clients, I’ve learned that most people fall into one of the following categories:

1. They think their homeowners or renters policy will cover any potential flooding.

2. They feel confident their home will never flood because they don’t live by a body of water.

3. They assume they don’t qualify for flood insurance because their home isn’t in a “high-risk zone.”

That tells me that the insurance industry hasn’t done a great job educating people about flood insurance.

Our mission here at Integrity First is: By operating with Integrity and focusing on education, we will change the perception of the insurance industry.

It’s important to understand your risks and your coverage, not just pay for insurance because you have to. If this blog can help even one person understand the risks of flooding and how flood insurance works, I’ll consider it a success.

Continue reading “Flood Insurance 101”

Working From Home: Safety and Insurance Risks

Does Home Insurance Cover Working From Home?

Now that we live in a world with COVID-19, working from home is becoming more popular. Many businesses are realizing the benefits of having remote employees, so this may be the new “normal.”

Whether you’ve been working from home for years or you just started, it’s important to have the right insurance coverage. You might assume your home insurance will pay for any injuries or damages, but that’s not always the case.

There are also some safety measures that need to be considered when working from home. There’s probably not much risk if you’re just working from the couch for a day. But when you’re talking weeks, months, or even longer, the risks add up.

Here are some things you should consider when it comes to health, safety and insurance while you’re working from home.

Continue reading “Working From Home: Safety and Insurance Risks”

Home Insurance FAQs

Common Home Insurance Questions

Does my home insurance cover flooding?

Simply put, probably not.

Most homeowners policies exclude coverage for flooding. That can include a flash flood, water accumulating in a window well and seeping into the home, or anything between.

 A select few carriers now offer an optional endorsement to add flood coverage. But, with most carriers the only way to get coverage for flooding is to buy a separate flood policy.

What is a deductible?

Continue reading “Home Insurance FAQs”

Car Insurance FAQs

Sometimes a car insurance policy looks like it’s in a foreign language. And that’s just looking at the declarations page. If you try to read the actual policy to get the answers to your questions, it’s like reading gibberish. Here are some common car insurance questions answered by a licensed insurance agent.

If you don’t see your question answered, give us a call. We will gladly answer any questions you have, we’re here to help!

What can I do to lower my car insurance rates?

There are several ways you can lower your rates, but I don’t recommend lowering your coverage to save a few bucks.

One option is to increase your Comprehensive and Collision deductibles. You can also ask your agent if you’re getting all the discounts available. Another way to lower your premium is to enroll in a telematics program through your carrier.

The best long term way to get lower rates is to drive safely. A clean driving record without any accidents will get you the best rate.

Am I covered if I rent a car?

Continue reading “Car Insurance FAQs”

Common Winter Commercial Insurance Risks That Colorado Business Owners Should Be Aware Of

Integrity First Insurance provides Colorado residents with access to several different types of insurance coverage. Evaluating your insurance options can be a difficult process. That’s why Integrity First Insurance is here to assist you. We are committed to helping our clients find the coverage that they need.

Common Winter Commercial Insurance Risks

Commercial insurance helps you protect the future of your business. As a business owner in Colorado, operating the business daily can be a difficult process. That’s why commercial insurance is an asset. The policy covers your business during potential liability disputes. Your equipment is also protected if something were to happen. Workers Compensation allows you to protect the interests of your employees as well as your business. As the weather changes and starts to get colder, the likelihood of a potential disaster increases. Here is a look at some of the common insurance risks businesses face during the winter.

Frozen Pipes

During harsh winters in Colorado, your business is at risk of developing frozen pipes at different parts throughout the building. Make sure that your building is fully insulated. Consider using heating cables. During closing hours, shut off the valves.

Potential Customer Injuries

As more snow starts to fall or ice builds up, the potential for one of your customers to slip and fall increases. During serious cases, a potential accident may lead to severe sprains or broken bones. In order to prevent potential liability disputes, make sure that you shovel the snow around the building and put down salt regularly. If you have cracks on the concrete outside your building, try to get those repaired before winter starts.

Power Outages

Make sure that you have a backup generator on hand if a power outage happens. You can add business interruption coverage to your policy.

Consult With Integrity First Insurance

Visit our website to learn more information about commercial insurance.

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