Home Insurance in Castle Rock is not too tough to come by. Finding a good insurance company that you trust and that will stand by you for the long haul is. Go farther out; out to Sedalia, Elizabeth, Kiowa or Elbert and it becomes *$@% near impossible!
Farm Bureau Insurance is a “Horse of a Different Color” though. In many ways, we’re more like a family than an insurane company. When other companies are looking for ways to cut their losses after this years disasterous summer of fires and hail, Farm Bureau is more known for looking for ways to get our insureds paid!
Let me give you an example. When I started as an agent here, they gave me a few existing clients to look over. One of them, had a little modular on his property next to his home, that he was renting out. Now if you have a rental, you don’t need liability on the policy, you can extend it from an endorsement on your Homeowners policy and just have a “Dwelling” policy that just covers the rental structure. Much more economical. This particular homeowner though just had the liability endorsement covering the rental on his Homeowners policy and his Dwelling policy with Farm Bureau had expired. Not a big deal, as he could get a dwelling policy anywhere, but the underwriter asked me to check it out.
I spent three months trying to reach him; e-mails, phone calls, voice mails, letters; all unanswered. Finally I got him on the phone. It turns out he was in ministery and spent most of his free time taking youth on missions all over the United States.
After a brief introducton and bit of conversation, I asked him who had the dwelling policy on his modular. He replied: “You do, why?”. Then I explained; “No we didn’t”. That it had cancleled a while back, after sending cancel notices with out ever getting a responce. He then said he’d be right over to bring it back on line.
I was feeling good that I found him and emailed the underwriter saying so. Telling her also it was also good we’d been able to get this taken care of before there was a claim. She responded; yes that is was good it was taken care of, but informed me then that there had been a a calim.
A few months earlier there had been a roof claim on the property. Over $40,000 in damage to all the roofs, of all the structures on the property, including the roof of the modular for which the policy had lapsed! She then told me that Farm Bureau went ahead and covered the roof anyway. Hard to believe in this day and age!
That’s why I represent them and that’s why Farm Bureau is a Horse of a Differeent Color!