Homeowners in Lafayette, CO know that the uncertainties of living in the Front Range of the Rockies provide unique challenges to maintaining their homes. Sudden and volatile changes in the weather can cause unexpected and disastrous damage to your home.
Has your basement ever flooded? Did you know that most homeowners policies don’t cover the damage caused by a sump-pump that can’t handle runoff water from a lot of snow melt?
In fact, most homeowners and renters policies don’t cover flood damage at all. You’ll need a separate policy for flood damage if you’re in an area with a high risk of flooding.
Have you had a lot of snow this winter? Standard homeowners policies don’t cover the cost of repairing collapsed roofs or shrubbery damaged from the weight of snow, or from freezing.
If your pipes or appliances freeze and burst, you may not have coverage either for the damage to your pipes or the damaged caused to the infrastructure of your house when your pipes burst.
Often homeowners policies don’t cover landslides, mudslides, and avalanches – these could be common in the Front Range.
If your sewer backs up and causes damage to you home, this is not usually covered by your homeowner’s insurance policy or your flood insurance policy. You’re also responsible for maintaining the sewer lateral—the pipeline between your house, and the city sewer system. This is usually located on your street and can cost a fortune to repair.
If you’re worried that you don’t have enough insurance coverage for your home, speak with an independent insurance agent at 1st American Insurance Agency. They can go through your policy with you, and create a policy to fit your unique needs to make sure that you have the protection that you need for your home.