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"Your Key To Insurance"



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Tips on what to do with hail and your auto

Posted on May 12, 2019 at 11:55 PM

The Insurance House


Hail season is once again upon us. Here are some tips you can use to limit the impact hail can have on you.

- Leave your car IN your garage. Clean out your garage, carport or whatever you have to keep your vehicle in a covered space. You don’t want your car looking like this guys!

- If you have no garage or carport try to park under a large roof or a stable tree that may keep some of the hail off your vehicle.


- If you have no trees there are some car covers out there that advertise they help limit hail damage. During a storm throw your floormats on your windshield to stop the glass from shattering, or find some blankets to drape over the car.


- If you’re driving and see a hail storm coming be sure to get to cover immedialty. Car wash ports and gas stations can be good pull offs to get under. So can a trip to the local mall to use the parking garage.


- Sign up for local weather alerts so you can be prepared at work or when traveling that way you can avoid the storm.



In conclusion hail storms are costing Colorado billions of dollars every single year. To keep insurance rates stable it would be best if we do what we can to limit the damage hail causes to our homes, cars, and business.


Tips on what to do on hail and your home

Posted on May 12, 2019 at 11:55 PM

The Insurance House


Hail season is once again upon us. Here are some tips you can use to limit the impact hail can have on you.


• Before a Storm happens be sure your trees are well maintained and your gutters are clean from all debris. Bring any exterior property and lawn furniture inside or under a roof.


After a Storm

• Inspect the damage and check for leaks; put a tarp over the damaged or leaking area asap.

• Make sure when you call a roofer they can provide references and are an established company in town.

• Call at least three different contractors to give you estimates before you choose one to go with, and never pay for an estimate.

• Always talk to your local insurance agent and at least three contractors before making a claim to ensure the damage you have will be covered by your insurance company.

• Use the same contractor you originally had do work on your home if you were satisfied with the job they did.

• Never hesitate to ask your local insurance agent if they can recommend a contactor to you, often they know reputable companies operating around town.


Tips on Disaster Recovery

Posted on January 25, 2019 at 5:15 PM

Tips on How to Recover and Survive and Disaster!

Step one is you need to take action!

Be aware of what could possibly happen around you, like if you live by the ocean get educated on flooding, if you live in a forest be aware of the risk of forest fire.

Sometimes you have to abandon your home for an extended period of time and you need to be aware of that fact and prepared to do so.

Have a support network.

Make sure you know what everyone in your household is capable of doing, and not doing; for example someone with bad asthma might not be able to run to a car parked 2500 feet away during a forest fire that's belching out smoke.

Know what you're going to do with your pets.

Know the stuff you own!

Take videos of every room in your house; discussing every important item in there with where you purchased it and approximately what you paid for it etc.

Have a list written out to go with your video.

Keep receipts for your items and keep information that go along with them like serial numbers, warranty's etc.

Keep all of the above in a safe place, like the could or a safe deposit box.

Update your list and video every so often.

Make Connections!

Talk to the family about possible disaster scenarios that could occur in your area.

Include your neighbors in your support network, especially vulnerable populations like the elderly, neighbor kids or disabled neighbors.

Tell everyone in your support network exactly what you require and expect of them in various emergency situations.

Get help wherever and whenever you can; don't be shy about asking for it either.

After a serious event occurs in your life, make sure to re-adjust your support network.

Avoiding Water Damage to your Property

Posted on January 10, 2019 at 4:00 PM

Water damage is the second most common home insurance claim in the United States with an average of 1 in 50 homes filing some sort of freeze

or water damage a year. The cost of these claims on average is just under $10,000 and the time it takes for a company to come and completely

dry out your home approximates to 3.5 days. The costs financially, and to ones time, of water claims is so great that taking a little effort to mitigate

these types of risks are well worth it. These mitigation activates include:


Checking your water bill for any abnormal spikes in use, replacing the hoses on your appliances every so often, get an annual inspection on your

water heater, especially if it's an older one, know where your main shut-off valve is to your home's water supply in case of an emergency, clean

your gutters so water doesn't back-up and drain into your home's foundation, and lastly, if you have a sump pump, test it at least once a year.


There are many ways to spend your money on gadgets nowadays, and this incudes water monitoring systems that reduce the risk of a water claim

on your home. The two I'll mention here are Smart Valves that shut the water off if they detect any bizarre water usage, and Wireless Leak

Sensors that can tell your smartphone or tablet if they detect any moisture in their area(s) of monitoring.         


What you think you know about distracted driving

Posted on June 27, 2017 at 9:45 AM

Tom Traub and Kevin Moynihan: Posted on Tuesday, May 02, 2017 5:05 PM

What you think you know about distracted driving

Have you ever texted, talked, fooled around with the radio, or turned to chat with those around you while driving? Should that be the case, you could be exposing yourself, your travel mates, and others using the road to possible harm. The NHTSA says distracted driving was reported in 3,179 accidents that killed people in 2014. These deaths made up for 10% of the total traffic fatalities that year.

From all of these hazards, cellphones and text messaging were the most cited cause of accidents. However, other typical habits, such as using SAT-NAV, drinking and eating, navigating from a map, personal grooming, or even having a conversation from the hands-free system included with your car can be dangerous, too.

Besides the above mentioned hazards to avoid, another couple of things to keep in mind are:

Don’t take notes when you’re driving, even using a voice recorder can be dangerous.

Know where you’re going; Take a look at where you’re headed to on a map before heading out, and if you have a SAT-NAV, don’t program the thing with your destination while you’re driving, do it before you start moving down the road. Also, use the audio features of the SAT-NAV so you don’t have to look at the screen to figure out where to turn next.

Everyone needs to follow these rules and no one more so than teenagers. Car crashes are the primary cause of death for 15 – 20 year olds. Talk to your teens about driving safely, which means practicing good habits, and most importantly being a good role model.

Should you have any questions or concerns let us know and be safe!!