When reviewing your home insurance policy, it’s important not only to understand what is covered — but also what isn’t. One of the most common exclusions found on nearly every property insurance policy, from every agency, is flood damage. What Is (and Isn’t) Considered a Flood? Homeowners often use the word “flood” loosely — for example, when a pipe bursts and water damages the basement. While that situation involves water, it’s not considered a “flood” by insurance standar

Property insurance has been a real challenge in Colorado. Can you tell me about the new government-run program called the Colorado Fair Plan? The Colorado Fair Plan was established in Colorado back in 2023 as a result of the challenges in the insurance marketplace in the state of Colorado. Many homeowners had been unable to procure coverage due to the increased risk of wildfire in our state. Other homeowners may not have been able to obtain insurance due to past claims hist