It is critical to review your home’s Replacement Cost coverage amount to confirm that it accurately reflects the current construction costs in your area. We can help you secure Guaranteed Replacement Cost or Extended Replacement cost insurance coverage on your home - this provides a buffer in case the cost of construction outpaces the limit of insurance on your home.
Source:
https://www.bloomberg.com/graphics/2021-us-housing-construction-costs/?srnd=premium&sref=vuYGislZ
Thank you Aspen! Honored to be named Insurance Agent of the Year in the Aspen Times - Best of 2020. Thanks to all the clients, colleagues and friends that voted. Really enjoy working in this community and I appreciate all of the support!
-Tim
Roaring Fork Insurance is honored to be named the Aspen Board of Realtors Affiliate of the Year! Our partnership with ABOR and the local realtor community has been critical to our success. We’re very grateful for all of the support. Thank you!
Have you considered the exposures created when your vacation rental turns into a Party House? Airbnb has - and they are actively fighting their party house reputation as they prepare to go public this year. Don’t let your vacation home turn into the next casualty - familiarize yourself with Airbnb’s policies and steps that you can take to prevent your home from turning into an 80-person rave replete with $28K in property damages. Consider taking steps such as working with a local property management firm to handle rentals and implementing a higher nightly minimum to avoid problem tenants.
Did you know that water is the leading cause of all interior property damage - happening more often than fire or burglary? Learn more about how you can prevent these costly claims by exploring Chubb’s resources. New leak detection and water shutoff systems are more affordable than ever - and Chubb offers coupon codes to bring down the initial cost.
https://www.chubb.com/us-en/individuals-families/agent-marketing/water-coverage/index.aspx
With cooler weather upon us, you may want to make sure your home is sealed up tight and ready for winter. It’s much easier to tackle these tasks now, rather than wait to do them in the rain or snow.
Check your home for leaks in your window seals or roof. If your home’s eaves have stains, that can indicate a leak. If you find any stains, call a roof contractor to make any repairs before winter.
During the next rainstorm, check your gutters and ensure the water drains away from the home. If your area experiences snow, any back-up of gutters may result in ice damming and lead to water damage. Before winter arrives, shut off all outside water faucets or garden hose connections, then drain hoses and store them in the garage.
Clean overgrown vegetation and trim dead branches from trees that are close to your home. Also give your lawn one last cut before cleaning and storing your lawn mower.
Clean out your grill and firepit. Cover up or store any outdoor furniture, so it’s out of the elements and stays nice for next year.
If you have a HVAC service contract, have them stop by. Otherwise, replace filters and install covers on the AC condensing units on the outside of the home.
Call a professional to check your fireplace – especially if you plan to use it during the winter. Nothing is worse than smoking up your home when the weather is cold because your fireplace flue wasn’t cleaned. If you do use your fireplace, be sure to dispose of the ashes properly using a fireproof metal bucket.
Make sure everything you’ll need for winter is in good working order. If your area gets snow, test your snowblower and have it serviced. Ensure your outdoor activated night lights or security system components are all operating correctly.
With a record number of wildfires, acres burned, and homes destroyed in recent years, we’ve put together some proactive steps you can take to keep your family and home safe.
Evacuate promptly if ordered to by local authorities, and establish an emergency evacuation plan for your family and pets.
Current Chubb clients in select areas can sign up for Chubb’s Wildfire Defense Services, which have saved our clients millions of dollars in wildfire damage to their homes and properties.
If a wildfire is approaching, clear driveways to accommodate large fire equipment. Make sure no flammable vegetation is within 10 feet on both sides of the driveway and there are no overhanging obstructions within 15 feet. If your property is gated, prop the gate open to allow fire personnel to access your property.
Create defensible space around your home to create a fire break. Remove all dead plants, grass, weeds, dry leaves, and pine needles from your property, roof, and gutters.
Trim trees regularly to keep branches at least 15 feet off the ground or 1/3 of the total crown height, whichever is less. Remove branches that hang over the roof or chimney.
Remove or prune flammable plants and shrubs near windows. Thin and separate shrubs by a distance of at least twice their height.
Move any wood piles at least 30 feet from the house.
Create a separation between trees, shrubs, and items that could catch fire, such as patio furniture, and swing sets.
Maintain adequately watered ground at least 100 feet from the house if the ground is level and 200 feet from the house if the ground is sloped. Keep grass cut down to a maximum of 4 inches high.
Clear a 10-foot area around propane or oil tanks and around your barbeque area.
Install fire-resistant window treatments, smoke detectors, and fire extinguishers throughout your home.
Keep fire-fighting tools handy, such as a ladder, shovel, rake, axe, water bucket, and a hose that is long enough to reach your home and other structures.
Install a back-up generator in case electrical power is shut off.
Store valuable documents in a fire-resistant safe or bank safety deposit box.
Make sure your house address is visible from the street.
Already a Chubb client? Log in to review your coverage.
We hope this finds you and yours safe, well and healthy.
I wanted to reach out and let you know that Roaring Fork Insurance is open for business and happy to help however we can. Our team is working mainly from home, but if you need anything, please give us a call or send an email and one of us will get back to you ASAP – our offices are not open to the public.
Here’s a list of contacts for you:
Commercial policies
Tim Morgan tim@roaringforkins.com
Ashley Holden ashley@roaringforkins.com
Mary Frazer mary@roaringforkins.com
Personal policies
Tim Morgan tim@roaringforkins.com
Lindsay Pressley lindsay@roaringforkins.com
Clifford Hansen clifford@roaringforkins.com
For Personal Certificates, to add a vehicle or other minor changes to your policy
Ardis Ross ardis@roaringforkins.com
Lindsay Pressley lindsay@roaringforkins.com
For Commercial Certificates or endorsements
Ashley Holden ashley@roaringforkins.com
Mary Frazer mary@roaringfork.ins.com
Our office number: 970.429.5700
If you would please copy all parties for each category, it will help us get back to you as quickly as possible.
Our thoughts are with you - please let us know if we can help.
Best,
Tim Morgan & Clifford Hansen
Principals
tim@roaringforkins.com
clifford@roaringforkins.com
Get a head start on clearing snow
If it’s warm enough and safe to go outside, you may want to clear the snow around your home and vehicles right away. That’s because fresh snow is lighter and easier to shovel or snow-blow than snow that’s had time to settle and get packed down.
Clean off the roof
After a winter storm, an ice dam can form, which means any ice on your roof prevents the melting snow from draining off. The water that backs up behind the dam can then leak into your home. To prevent damage, clear the snow off the roof of your house, garage, and any sheds, or hire a professional to do it for you.
Look for damage to trees
Inspect the trees in your yard to make sure heavy snow hasn’t broken or cracked limbs that could fall and harm your home or someone walking below. If you find trees that are damaged, contact a professional to trim them properly.
Make sure smoke and carbon monoxide detectors are working
This is especially important if you don’t have power and need to heat your home using a fireplace, space heater, or generator. Check the batteries in the detectors and change them if they’re not working well.
Check the inside of your home
Cracked or leaking ceilings can mean that your roof is damaged. Water flow problems could mean you have frozen pipes Inspect the inside of your home to make sure everything is in good working order. If you suspect frozen pipes, shut off the water supply and call a plumber to make repairs.
Stay warm
If you are without power and don’t have a generator to run your home’s heating system, you can still stay warm by layering clothes, using hand warmers, and closing off rooms you’re not using. By huddling together in one room, you trap body heat generated by everyone. Try to pick a room on the south side of your home so it gets sun during the day. You can also use towels to block drafts under doors and around window sills, and drink hot liquids such as hot coffee, cocoa, or tea.
Avoid driving right away
Give road crews time to clear the roads before you go out. If you need to go out, try to stick to roads that are already plowed, sanded, or salted, and watch for black ice.
If you find damage to your home
If you are our client and have sustained damage to your home or car from a winter storm, contact us to report a claim. - 970.429.5700
520 E Cooper, Suite 7 | PO Box 4313 | Aspen, CO 81611 | Office: 970.429.5700 | Fax: 970.429.5701