DENVER (KDVR) – Your home and properties represent a great investment. Insurance experts say examining your existing policy and doing what you can to minimize damage before a storm hits can prevent financial loss and inconvenience.
Kim Alire’s Risk management partner told FOX31 Problem Solver that the most common complaints her office noticed after severe windstorms involved roof and siding damage.
“If a tree falls on the car, comprehensive insurance will take care of the car, in your home, you just need your homeowners policy,” she said.
When there is a matter of liability, there may be an investigation.
Alire provides a common example.
“We know the neighbor’s tree has been broken for years and they haven’t done anything to remove the tree, if we can be negligent I would say then follow the policy. that neighbor’s,” she said.
Colorado policies have special provisions for wind and hail due to frequent spring and winter storms.
“Since we live in Colorado, this is more than your typical policy deductible, so a fire claim might have a $1,000 deductible but wind claims,” Alire explains. and hail can have a higher deductible than that,” she said.
Deductions represent a percentage of the home’s value.
Policyholders can check their coverage online and, in many cases, even add coverage that will take effect before the storm hits. Be sure to read the fine print and check with your dealer for confirmation.
In addition to proper coverage, it is important to protect your property from flying objects.
Salon Bella Sara Owner Jennifer Heath has secured her business but said she doesn’t want to return home to a nightmare after a violent storm.
Heath told FOX31 she’s working on “just moving anything that can fly in the air.”
Since the last storm, Heath has reinforced the fence, which means she has to send a crew “to dig a hole four meters deep in the ground because every time we have high winds, my fence will spilled.”
Problem solver safety experts know it’s important to freeze benches, reinforce windows, move items off low branches, and check latches on pools and hot tubs.
Holiday decorations and high winds are not a good combination. Delicate decorations and inflatable features should be removed or deflated prior to a storm.
Xcel warns that downed power line should be avoided and reported.
https://kdvr.com/news/problem-solvers/experts-say-to-check-insurance-policy-and-prepare-your-home-before-windstorms/ COLORADO WINDSTORM: Experts say check your insurance policy and prepare your home