Insurance

The Rocky Mountain Insurance Information Association has a wealth of information that will answer just about any question you have about insuring your home.

How to Create a Home Inventory

In order to maximize the success of an insurance claim, it is important to have an inventory with supporting documentation of what is in your home. There are a variety of apps that can help you with this.

Genesee Fire and Rescue’s ISO rating is 3.

The ISO Public Protection Classification (PPC) serves as a national measure of fire protection services that includes more than 39,000 fire protection areas throughout the United States (https://www.isomitigation.com/). The PPC is determined by an ISO auditor with a final rating that is based of four areas of measure: emergency communication systems, fire department operations, water supply system, and community efforts to reduce risk of fire. The resulting PPC rating is important as many insurers of both home and businesses use the PPC when calculating premiums (https://www.isomitigation.com/ppc/program-works/how-does-ppc-information-affect-individual-insurance-policies/). The PPC rating for a given fire protection area is between 1-10. The last ISO audit for Genesee Fire Rescue resulted in a PPC rating of 3 which puts us in the top 15% of fire service areas in the country.

Tips from the Trenches: Does Your Safety Net have Holes?

This 52-minute video from United Policyholders, a non-profit organization that is an insurance resource for consumers, reviews how to read your policy, including the fine print, and determine if your coverage is adequate. Historically in Colorado, as many of 50% of people who lost their homes in a wildfire found that they were underinsured.