Throughout Colorado, it can be hot in the summers and then cold in the winters. There may be a lot of snow and ice to deal with as well. It is one of the top states for outdoor recreation and as a result, the obesity rate is one of the lowest in the country.
When you shop for homeowners insurance, you want to look at what it’s going to cover. The last thing you want to deal with is a sinking foundation. If the foundation starts to sink, your porch can fall apart and there may be cracks within the concrete block that can affect the rest of your home as well.
Working with one of our agents can ensure you get a homeowner’s insurance policy that works for you. The fine print can be compared between policies so you know what is and is not covered.
The insurance companies pick and choose what is covered in a standard policy. Depending on the company, you may need to add a sinking foundation so your porch and other items are covered. If you add a porch after the fact, it will also be necessary for you to call and have that added to your policy in Colorado so you don’t run into problems with adding it to a claim.
As long as you keep the homeowner’s insurance abreast of all changes, it won’t be a problem when you file a claim. It’s when you surprise them with the fact that you added a pool, a deck, a fence, or something else that you run into issues.
Our agents can help you find the right policy in Colorado and talk to you about sinking porches, foundation coverage, and more. This will make it easier to have your home repaired in the event of experiencing any such issues.