Centennial, Colorado is known for its refreshing, outdoor recreational areas that are enhanced by stunning vistas of the nearby Rocky Mountains.  However, its rolling hills and ravines can present challenges when natural disasters strike.  Throughout the years, Colorado residents have experienced a number of these hazards that include floods, fires, earthquakes, blizzards and even avalanches.  Here are the two most likely natural disasters that you’ll face in Centennial, Colorado, and ways to prepare for them.

Floods

Most of you have flood insurance, but you’ve perhaps forgotten the specifics of your policy.  Now is the time to go over your paperwork and contact your Compass Insurance Group agent if you have any questions about gaps in coverage for your home or commercial property.  Some things that may not be covered by your basic flood insurance policy are:

• Finished basement furnishings and fixtures

• Valuable paperwork that you could’ve protected

• Mold damage that you could’ve prevented    

• Septic tanks  

For those of you who are waiting for an alarming weather forecast before obtaining flood insurance, be aware that your property will not be covered until 30 days after you obtain the policy.  Now is the time to protect your real estate investment from flood damage.  

Wildfires

The personal safety of you, family members and colleagues should be of primary importance when it comes to wildfire disaster preparation. You want to have designated evacuation routes and meeting spots identified ahead of time. It’s best to conduct evacuation drills with your family or co-workers periodically to keep them ready for actual incidents.  Create emergency supply kits that you can take with you if you need to evacuate quickly.  Here are some things that your kit should include:

• Three-day supply of potable water and non-perishable food

• Change of clothing

• Hygiene and sanitation items

• Copies of valuable paperwork

• battery operated radio

Final Thoughts

Natural disasters usually represent trying times for everyone. However, doing some upfront planning can ensure that you keep your sanity and more of your money intact. Call your Compass Insurance Group agent to find out the best ways to insure your home or commercial property against flood and fire hazards.