Home Insurance in Castle Rock used to be simple. Just go with the company your parents had forever, sign the application and forget about it. Then along came a hail storm and tornado in Windsor in 2008 and a bunch of fires; including Four Mile, High Park and Waldo Canyon. Throw in the big June and July 2009 hail storms across the state, coupled with last summer’s big one in the Meadows, overshadow it all by Sandy and you can see why property rates are moving upward.

In fact, the Insurance Research Center says; in 1997-2006 Catastrophes triggered 26% of Home Owners insurance claims compared to 2007-2011’s 46%. Colorado now ranks in the top 10 states for the highest percentage of claims paid due to catastrophes. So how do you, the homeowner, figure out what to do when that renewal comes in with a big 30% increase in premium and the wind-hail deductible jumps to 1% of the dwelling amount without even an explanation?

To keep it simple, if I were you, I’d call me! Colorado Farm Bureau Insurance only writes policies in Colorado and we’ve been doing it for over 60 years. We’ve weathered all the storms, kept our reserves where they need to be for the state, and we’re here for the long term. We haven’t had any big increases, don’t anticipate any, and we settle our claims and cut you a check, in many cases, before the big boys even have their tents and banners set up.

Cattle Rock home insurance looks different through our eyes. We treasure loyalty, so it’s important to us, that we’re loyal to you. It starts at the first visit. I come out and look at your Home. We work together to determine what your replacement cost should be and make sure you know how your coverage works and what covered and what might not be covered. Like, water that hits your house first and comes in usually is covered and water that hits the ground first then come into you house, usually is not covered, unless you have Flood Coverage! Click over to RMII. They have some great articles on Catastrophes and Home insurance coverage if you’d like to learn more. Then call me and let’s see how I can help you get better insured in these catastrophic times.