Rain and Hail and Colorado weather has been notably fierce lately. Recently we’ve seen it becoming more extreme and more expensive than ever, with four reports of tornadoes in the state in one day. One town in particular, Bethune, Colorado experienced record-breaking hail on the same day, measuring as the largest hailstone ever recorded in Colorado. Storms like these make rain and hail insurance claims on both auto insurance and homeowners insurance a big topic in Colorado.

We’ve had some Record breaking hailstorms in Colorado this year

The maximum diameter measured from Tuesday 13 August was 4.83”, breaking the previous record of 4.5”. To put that in perspective, that’s about the size of a grapefruit, and pictures from the same Tuesday showed some hail that might have been even bigger.

Record breaking Colorado hail

A hailstone that crashed to Earth near Bethune, Colorado, on Tuesday is the largest ever recorded in the state. It was measured at 4.83 inches in diameter.

Bethune, near Burlington, wasn’t the only place to suffer the weather, however, with Longmont, Frederick, and Firestone all suffering from thunderstorms and hail reported to be larger than ping-pong balls.

Needless to say, the tumultuous weather has already caused plenty of damage, and many Colorado residents are worried that even more might be coming soon. All of this bad weather makes rain and hail insurance claims as one of the most important things you can buy to help cover some of the costs caused by hailstorms. To help you get a better idea, let’s take a look at some Colorado hail damage statistics.

What do the stats say about rain and hail damage insurance claims in Colorado?

Though the worst of the weather might be over, hail is far from an uncommon occurrence in Colorado. In fact, Colorado sees the second highest rate of rain and hail insurance claims, being number 2 in number of claims for rain and hail damage between 2013-2015, only behind Texas, with 493 major hail events to Texas 508. Colorado and the other top 10 states accounted for two-thirds of all hail claims during this time.

Overall, Colorado is ranked 4th in homeowners insurance in 2017.

These storms mostly occur from mid-April to mid-September, and Colorado sees the worst of it due to the fact its Front Range is right in the middle of the “Hail Alley”, which sees hail most frequently in the US, and more often than most of the world. In fact, there are usually three or four hailstorms causing damage more than $5 billion in insured damage.

How costly are hailstorms in Colorado?

Denver Metro has seen the worst of damage in Colorado’s most costly hailstorms. In 2017, one hailstorm caused $2.3 billion in property damage, while another in 2009 caused $767 million in damage. Colorado Springs, CO Front Range, and Pueblo also rank highly in terms of most costly storms in the state’s history. Overall, hail has caused more than $5 billion worth of damage, and that’s only insured damage.

This means that one-half of the average homeowner’s insurance premium contributes directly to hail and wind damage costs. That is, in large part, why Colorado’s homeowner’s insurance and auto insurance is somewhat more expensive in Colorado than the national average.

Is hail covered by your homeowner insurance?

Given that Colorado sees a lot of hail, most insurance providers know that coverage against hail damage is essential. As such, it’s included in most standard homeowner’s insurance policies as standard. However, that’s not always the case. It’s always recommended that you ask what is and isn’t covered in your insurance policy, to know the coverage limits, and if they increase automatically over time to match inflation.

It’s also recommended that you check whether your policy ensures your home will be rebuilt the way it was before the damage, and whether or not the policy covers vintage materials, offers actual cash value instead of replacement cost, and whether or not the policy covers your roof. It’s essential that you understand how, exactly, your insurance provider will cover you in the event of hail damage so that you’re not caught footing the bill the next time Colorado breaks a record.

How to make a Hail Damage Roof Insurance Claim

Should your property get caught in the next hailstorm that comes through the state, you want to ensure you do what you can to make sure your insurance provider covers it as they’re supposed to. Of course, the first step is to make sure, in advance, that rain and hail damage is covered, including hail damage to the roof. Otherwise, here are the steps you should take when you discover damage to your home:

  1. Assess the damage across the home, including the garden, trees, and plants. If they’re damaged, it’s a sign there may be damage to the roof as well.
  2. Protect the property from more damage by covering broken windows and holes in the roof to prevent water from coming inside the home.
  3. Get in touch with your insurance provider or insurance agent as soon as possible. Make sure to do the same for your car if you have the appropriate policy.
  4. Your agent or insurance company might request you to write an explanation of what the damage is and what caused it. Submit this claim as per their instructions.
  5. Keep the receipts for any repairs and services you need, then submit them to your insurance provider so they can reimburse you properly.
  6. After you make your claim, and the insurance provider surveys your property, ensure you find a well-reviewed, reputable roofing company or other necessary contractors to make repairs to your home. Do beware of out-of-town roofers that tend to follow storms around to offer sub-par services to people desperately in need of repairs. Ask your Denver Insurance Agent for credible roofers, we know many of the local roofing companies that are accredited by the BBB
  7. Don’t allow anyone but your insurance adjuster and roofers to step on your roof, as they can increase the cost of repairs.

After your claim is finished and you’re reimbursed, consider adding hail resistive and impact resistant roofing materials to prevent the same kind of damage next time. Hail resistive shingles could provide a discount on your home insurance and also prevent future damage, saving you the deductible you’d pay on a home insurance claim.

Don’t let hail batter your finances too

Colorado has likely not seen the last of its expensive hailstorms, though the season for it is at least over for this year. Still, that’s no reason to be complacent. Make sure your homeowner’s insurance offers the coverage you need and be ready to make a claim the next time a storm comes through the state. The sooner you can act, the easier it will be to cover your costs and repair the damage


Recognized as one of the best insurance agents in Denver. We are proud to announce that Three Best Rated ranked us as one of the top three insurance agents in Denver, Colorado.

Check us out at ThreeBestRated.com!

We’re delighted and honored to be recognized as one of the best insurance agents in Colorado.

How We Won…

At Denver Insurance, we work hard to get our clients the very best deals no matter what their insurance needs. It’s a vital service which we’re more than happy to provide. We value and appreciate it when our customers leave us such positive feedback on our Google Business Page and Facebook page. Those reviews, coupled with our history and track record as a local insurance insurance agent helped us rank as one of the top insurance brokers in Denver, Colorado! Thank you!!!

How the process works

In order to be considered a top 3 local insurance agency, we submitted our practice to their rigorous 50-point inspection process.

Among the many factors considered were…

  • Customer reviews
  • History of the insurance agency
  • Services Offered
  • Complaints
  • Trust
  • Cost
  • General excellence

What does this means for our customers?

This ensures that your trust in our Denver Insurance Team is well founded!

We know that insurance is all about trust, and when using an insurance agent, you need to be able to trust that they’ll scour the market to find the right coverage that suits your unique needs, exceeding your expectations in both cost and coverage.

We hope that this award helps demonstrate our commitment to finding you the best deal, always.  We’ve been in business for 5-years now and we strive to exceed all expectations for local independent insurance brokers. We want to be the best independent insurance broker in Colorado.

Get a FREE insurance quote from us and if we can save you money, give our service a try. We won’t disappoint!

We are always looking to improve and diversify our insurance team for our Denver Insurance family, and we’re proud to announce our new partnership with Nationwide Insurance. We are now your local Colorado, Nationwide Insurance agent near you.  To mark the occasion, we thought it’d be cool to look at the fun facts about this most esteemed insurance company with a Nationwide Insurance Review.

Your Nationwide Insurance Review: A History

You can’t understand Nationwide Insurance if you don’t first know their humble beginnings. Lucky for you, this is a rags to riches story to beat any other. Nationwide Insurance started as a small Ohio auto insurer back in 1925. Yet, they’re now considered one of the largest financial advisors in the world, with territory in 32 states and $135 billion in assets. 

For the most part, this rise was due to the policyholders (that’s you) which Nationwide Insurance still relies on today. Far from just offering auto insurance, you can now expect to find everything from pet to life insurance and more, all from one trusted 100 Fortune company who promise never to let you down. 


The Fun Facts about Nationwide Insurance:

Of course, you probably aren’t here for a history lesson. You clicked on this article for fun Nationwide facts, and it’s about time we delivered. The good news is that there are plenty of fun Nationwide Insurance facts out there for the picking, including – 

  • Nationwide is the largest pet insurer in the U.S. You heard it here first(ish); Nationwide are the largest pet insurer currently working in the U.S., meaning they may well be able to provide your furry friend with better insurance than any other company on the market.
  • Nationwide Insurance employs over 33,000 employees. That’s a whole lot of people, and every single one of them is an expert in Nationwide’s impressive range of insurance policies. In fact, those 33,000 are responsible for an astounding 15 million insurance policies as of writing!
  • Nationwide has an A+ Better Business Bureau rating If you like a little security before you buy, then you needn’t look any further than Nationwide’s A+ Better Business Bureau rating which proves, if there were any doubt, that this is a company you can count on.

What About the Financial Security of Nationwide?

Financial security is the primary worry of anyone taking out a hefty insurance policy. A collapse of the company would, after all, mean the loss of your money. But, that’s not something you would ever need to worry about from Nationwide Insurance. Remember that $135 billion in assets we mentioned earlier? That’s a fair amount of protection, as is the expansive size of this insurance company. So, what are you waiting for? If you are looking for a Nationwide agent near you? You can shop for a local Colorado Nationwide Insurance policy through Denver Insurance today.

You can view the full information about Nationwide in our insurance company directory.

Shopping for insurance isn’t easy, but we make it a lot easier. There are countless of insurance companies claiming to be the best insurance company. Someone has to be lying, right?  But most people don’t have the tools or bandwidth to determine who has the best Colorado insurance quotes. That’s where we come in. Our independent team of Colorado insurance brokers make you our top priority. We shop our network of 33 insurance companies to meet your insurance needs every step of the way. We want to make it easy for you to make the best financial decisions for you and your family. 

To make our local Colorado insurance agency even better, we’re proud to announce that we’ve recently added Nationwide Insurance to the Denver Insurance Team. We’ve now become your Colorado Nationwide Insurance agent near you.  This means we can bring you better deals than ever before. Here’s how our Nationwide Insurance partnership benefits our customers. 

Nationwide logo & Denver Insurance logo

The best benefits that Nationwide offers to Denver Insurance clients

  • Insurance which suits you. Nationwide’s insurance catchphrase is “Nationwide is on Your Side.” That’s a sentiment which fits perfectly with our dedication to do what’s best for you. With the power of Denver Insurance and Nationwide behind you, you’re guaranteed to land the best deals.
  • Bundling Insurances at great rates & access to every insurance plan all in one place. Managing your insurance is never easy when you rely on multiple companies. Denver Insurance customers needn’t worry about that when they trust Nationwide with their insurance needs. That’s because Nationwide offers expertise in everything from top-rated car insurance to pet insurance and more, all in one easy place.
  • Financial stability The last thing you want is to lose money when a small insurer goes bust. That’s never going to happen if you seek Nationwide plans with the help of Denver Insurance. Nationwide has $158 billion in statutory assets and always make wise investments, ensuring they’re always able to pay out on any policy you own.
  • Bringing Peyton Manning Back to Denver! We think Peyton looks better in a Denver uniform, now he (indirectly) plays for our Denver Insurance Team, as the official “spokes-quarterback” for Nationwide Insurance. Check out Peyton in our NEW Denver Insurance Nationwide promotional commercial below

Nationwide Insurance has a Secure Background. We Only want to Provide Our Clients with the Best and Most Secure Insurance Carriers.

Nationwide began as a modest auto insurance provider in Ohio over 90-years ago. Now, it’s one of the largest insurance carriers in the world, with extensive policy offerings in an impressive 32-states and an A+ customer satisfaction rating. When you seek Nationwide coverage through Denver Insurance, you can guarantee that you’re getting the best.

So why Buy Through Denver Insurance and Not Go Straight to Nationwide?

Remember, we keep you at the heart of everything we do, meaning we’ve only paired with Nationwide to keep on doing what’s best for you.

Our Colorado customers can expect the best policy discounts, Nationwide offers include multi-policy and loyalty offerings. With the power of Nationwide behind us, we have increased access to more policies than ever, meaning that we can create an easy-to-manage multi-policy set up which can keep every single one of your needs in mind.

Learn about the history of Nationwide as an insurance company by reading our Nationwide Insurance Review article. If you want to compare Nationwide’s Colorado insurance quotes with our 32 other Colorado insurance companies, you can get a FREE no hassle insurance quote online. 


Pet insurance is becoming increasingly popular and necessary. Many of our clients ask us questions about the coverage so our insurance agents put together a list of frequently asked questions.

What factors into the cost?

With our insurance policy through Hartville Pet Insurance, there are only five variables that impact the rate: zip code, dog or cat, breed, age and gender.

How do I use my coverage?

It’s very easy! Here’s how the process works:

  1. Take your pet for treatment.
  2. Pay your vet bill.
  3. Submit a claim to get reimbursed.

What animals can be insured?

At this point, Denver Insurance offers coverage for only dogs and cats.

What does a pet insurance policy cover?

Coverage is available for accidents, injuries, illnesses, hospitalization, emergency vet visits, surgery, vaccinations, annual physicals, flea prevention, dental trauma, some alternative therapies and more. For a complete list of all coverages and exclusions, please contact an agent or request a sample policy. The insurance policy does not cover pre-existing conditions, cosmetic procedures or costs associated with breeding or pregnancy.

Where can I take my pet?

The insurance can be used at any veterinary clinic in the U.S. The coverage can also be used for treatment from specialists and emergency care facilities.

How much will I be reimbursed?

The level of reimbursement depends on the coverage that you select on the policy. You can choose up to 90, 80, or 70% of the vet bill.

How will I receive my reimbursements?

Reimbursements can be directly deposited into your bank account or you can receive a check in the mail.

How long does it take to get reimbursed?

Getting your money reimbursed is a priority! Claims are processed as quick as possible to get you reimbursed. On average, it takes 15 business days to completely process a claim.

What is the deductible?

A deductible of $100, $250, or $500 can be selected. It’s an annual deductible, so after you meet the deductible amount, you won’t have to satisfy it again until your next 12-month plan period. Preventive care can be exempt from your deductible if you add the preventive coverage to your plan.

My pet doesn’t get on the internet. Do you have a brochure I can print for my best friend (or spouse)? 

Yup, sure do! Click here to download.

I have more than one pet. Can I have more than one pet insured?

Yes, of course! As a reminder, we only insure cats or dogs, but you can enroll multiple pets at one time or add pets later. Each dog or cat will have an individual policy and premium. You will get a 10% discount on the base plan premium for each additional pet you insure.

Can I pay monthly or annually?

Convenience is key! Many payment options are available. You can be billed monthly, quarterly, semi-annually, or annually. Payment will be due on the day of the month that your plan went into effect. Payments can be made online or through automatic bill pay with your checking account.

Does the coverage get more expensive as my pet gets older?

Coverage is never canceled or downgraded because of your pet’s age or health. There is an increase in the rate as your pet gets older, though.

Is there an annual limit?

Yes, you can select between an annual limit of $2500, $5,000, $10,000 or $15,000.

Contact Denver Insurance to answer any other questions or if you are ready to get a quote. This post is for informational purposes only. Email or call a Denver Insurance agent for the most recent policy selections.

The basic reason to purchase wedding and event insurance is to protect you for circumstances that are out of your control. You have planned a special day and the insurance will give you added peace of mind. Have you asked or wondered:

  • What if a vendor or venue go out of business and you need to find a replacement?
  • What if your event attire gets lost or your gifts are damaged?
  • What if a guest slips and falls on the dance floor and wants to sue you for medical expenses?
  • What if a guest decides to drink at the event and then gets into an accident afterward?

Many events now require you to have liability insurance. Denver Insurance can help you with this requirement by adding the event as an additional insured at no additional cost.

Additional Expenses – If a service company, that you booked, suddenly becomes unavailable but you find a more expensive option because it’s a last minute replacement, this coverage could reimburse you for the cost difference.

Cancellation and Postponement – If the venue suddenly goes out of business or there is a sudden illness that prevents honorees or immediate family from attending this coverage could reimburse you for lost deposits.

Event Video and Photographers – If your photographer doesn’t show up or loses the memory card with the photos of your event, this coverage can reimburse you.

Event Gifts – If your gifts are damaged at the event, this coverage could pay for the cost to replace or repair the items.

Special Attire – If the airline or shipping company loses your event attire, you could use this coverage for new attire.

Special Jewelry – This coverage can provide coverage for jewelry you purchased for the event, for a certain time period before the event.

Lost Deposits – Can provide coverage if one of your vendors goes out of business, goes bankrupt or simply fails to show up. For example, if your band or limo provider fails to show, this coverage could reimburse your lost deposit.

Liability – Can cover you if a guest slips and is injured at your event.

Liquor liability – Can provide coverage if a guest drinks too much and is in an auto accident after your event.

Around 30 percent of wedding claim payments were due to issues with vendors. Wedding venues going out of business, photographers failing to deliver photographs and DJs failing to show up were among the vendor-related issues. Other common claims included illness or injury to an immediate family member or attendant, disruptive weather and military deployment.

For as little at $160 you can be covered for your event. Contact Denver Insurance today and we can customize a quote for your wedding or event.

This is a common question that we get at Denver Insurance. Obviously, the reason you have hail damage insurance is for events like a hail storm. If your roof is leaking or you have extremely damaged/missing shingles then we recommend filing a claim immediately. You do not want to make the situation worse.

But what about if you’re unsure if there is any damage? After all, you are likely not a certified roofer. In these instances, we recommend getting in contact with a local, licensed roofing company to have them assess potential damage. Nearly all roofing companies will give you a free recommendation if there is damage to your roof.

Did you know that a claim is listed on your record even if there is not damage? You avoid having unnecessary claims on your record by having an independent roofing company inspect your roof.

We work with several reputable roofing companies and would be happy to provide you with their contact information.

Your insurance with us is a partnership and we are happy to discuss your individual situation.

I’m pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming response that it’s not as lucrative or easy as they thought it would be. In fact, owning a rental property can be a major pain, and end up costing you a ton of money!

I certainly don’t mean to be a “Debbie Downer”, and I know that if it’s done right it can be lucrative, but from an insurance agent’s perspective, I don’t see a lot of people doing it right.

So you’re probably thinking, “Well Paul, you are an insurance agent. What do you know about real estate or rental properties? Why should I take advice from you?”

I’m not a real estate agent, and I don’t own a rental property. However, several of my friends/family/clients/co-workers own rentals, and because I insure a bunch of their properties, I’ve had a first hand account of the process, and I’ve learned what to do, and what not to do.

Continue reading →

I was recently asked this question by one of our Denver Insurance clients, and thought I would share the answer here for our readers.

There are a lot of things that go into homeowners and auto insurance rates, one of them being credit. I’ve heard a lot of complaints from people who don’t like the fact that insurance companies use credit in their underwriting.

Some people have absolutely no idea that it’s used in the rate at all.

At the end of the day, there’s not much we can do about it though. Insurance companies have been using credit in their rates for decades, and that’s not likely to change.

By the way, insurance companies don’t pull your credit like a mortgage company or credit card company does. There is no negative impact on your credit as a result of an insurance company looking at it.

When I say “pull” what I mean is that the insurance company is doing what’s called a soft inquiry, which is not the same thing as having your credit pulled (hard inquiry).

When does credit play a role in insurance rates?
It’s important to understand that insurance companies don’t continuously check or monitor your credit. Usually, they only check it when you first get a quote and/or sign up with them in the very beginning.

This means that if your credit score increases (or decreases) your insurance company does not automatically know about it.

So, to my customers question of whether or not his increased credit score will lower his rates, the answer is not automatically.

What has to be done on our side as the agent is contact the carrier the insurance and ask them to do what’s commonly referred to as a “re-score”. This is when the insurance company can re-run the person’s credit (soft inquiry) to see if there is any positive bearing on the rate.

This isn’t something that the insurance company is going to let the agency do every single year, so it’s not worth even asking unless there has been a significant change in your credit score, and only you as the customer would know if that was the case.

If you’d like to get a better handle on your credit rating, it could be helpful to setup credit monitoring. We hope this was helpful! As always, leave us comment below if you have any questions.

Why do my auto insurance rates keep going up even though my car is getting older?  At Denver Insurance, many of our clients ask this question so I would like to address it from a couple of angles.

First things first, even though it’s called car/auto insurance, it covers more than just your car. It should technically be called “auto-owners” insurance, similarly to how home insurance is actually called “home owners insurance”.

It’s important to understand that there are a lot of variables that go into insurance premiums, and with auto insurance, it’s no different.

The insurance company is much more concerned with you crashing into someone and causing them (or yourself) bodily harm, or death, than they are about your car. A car is a material possession which can be replaced.

A human life is not.

When is the last time you looked at your auto insurance policy?
If you look at it you’ll notice there are a lot of different coverages on your auto policy.

Bodily injury
Property damage
Un-insured motorist
Under-insured motorist
Medical Payments
Loss of Income
Funeral Expense
Loss of use
Rental Reimbursement

These are all things that you are covered for on your auto policy. How many of them have to do with your car?


How many of them have a price next to them on your policy?

All of them.

Your car isn’t the only thing you’re being charged for on your policy
That’s because auto insurance covers far more important things than your car as mentioned above.

Let me re-phrase that: your car insurance rate isn’t just based on your car.

You’re not the only one…
It’s also important to understand that you are not the only person your insurance company insures. You are one fish in an ocean of other fish, sharks, and sea creatures, all who have different characteristics and risk profiles.

Insurance is all about spreading costs over a large number (risk pool) of people, which each person paying their fare share. That risk pool is constantly changing, and is impacted by a ton of different things, including the overall economic climate.

This means that you are sharing in the cost of millions of other people, many of whom may have poor loss history and/or credit.

That’s what insurance is though — sharing in the cost.

The next time your auto insurance rates go up, take a look at the big picture. Make sure you’re looking at ALL of the coverages, and corresponding rates.

Hope this helps!  If you would like to know more about Car Insurance be sure to visit our page dedicated to it.