Tornados vary in intensity and peril. Depending upon their strength, they can wreak havoc to just your hair-do or the entire neighborhood. In 1971, T. Theodore Fujita developed a scale to begin classifying tornadoes and predicting damage. We call it the Fujita scale and it gives us a general idea of what to expect from each twister we encounter. Like a hurricane, the strength of the twister is measured mainly by the speed of the winds it creates, but overall damage is assessed as well.
When you have homeowner's insurance in Colorado, you want to make sure that you are paying for coverage that you actually need and not overpaying for coverage. This means, you are going to need to assess your insurance policy on a consistent basis to keep it updated.
Usually, umbrella insurance is used for worst-case scenarios. Unfortunately, these are becoming more and more common. In our law-suit-happy society, you could end up responsible for monstrous costs for common mistakes.
Make sure that you schedule a meeting about once a year to go over your insurance policy and make sure it is still sufficient and is not providing excess coverage. Finding this balance can be difficult, but it will be well worth the time that you spend doing your research.
An F3 gets pretty serious with 158 to 206 mile an hour winds, considered "severe damage."
First, consider your situation in life. What job do you have? Could you be a target for an angry customer, client, or business partner? Does your work involve controversial issues? Could you be personally held responsible for work-related incidents? If it looks like you walk a fine edge with your work, it might be a good decision to invest in an umbrella policy.
If you have made any large purchases or you have added anything of value to your home in recent years, you should be sure that your home owner's insurance policy reflects that. Don't be afraid to work with an insurance broker as you are figuring out what you do and do not need.
Third, what is your family like? Ask the same questions listed above about close relatives for whom you might be financially responsible. But also, think about what kind of financial support your family could provide if you got in trouble.
In the words of one Colorado man, "This sure ain't the rocky mountains Dorthy", as he drove through the wind-torn states Kansas and Oklahoma. This man was taking a trip with his wife and kids. His wife's name was actually Dorthy Rue, however ironic that is. His name was Bret and they had just gotten a good way into their route back east when they saw the first tornado in their lives.
Unlike the west that is teaming with high mountains and other areas where tornadoes can't develop. These central states have long fertile plains that make tornadoes a dime a dozen. Dorthy and the kids made it out alright but their car was trashed. Brett decided that he should have bought some better Auto Insurance from Colorado.
When you have homeowner's insurance in Colorado, you want to make sure that you are paying for coverage that you actually need and not overpaying for coverage. This means, you are going to need to assess your insurance policy on a consistent basis to keep it updated.
Usually, umbrella insurance is used for worst-case scenarios. Unfortunately, these are becoming more and more common. In our law-suit-happy society, you could end up responsible for monstrous costs for common mistakes.
Make sure that you schedule a meeting about once a year to go over your insurance policy and make sure it is still sufficient and is not providing excess coverage. Finding this balance can be difficult, but it will be well worth the time that you spend doing your research.
An F3 gets pretty serious with 158 to 206 mile an hour winds, considered "severe damage."
First, consider your situation in life. What job do you have? Could you be a target for an angry customer, client, or business partner? Does your work involve controversial issues? Could you be personally held responsible for work-related incidents? If it looks like you walk a fine edge with your work, it might be a good decision to invest in an umbrella policy.
If you have made any large purchases or you have added anything of value to your home in recent years, you should be sure that your home owner's insurance policy reflects that. Don't be afraid to work with an insurance broker as you are figuring out what you do and do not need.
Third, what is your family like? Ask the same questions listed above about close relatives for whom you might be financially responsible. But also, think about what kind of financial support your family could provide if you got in trouble.
In the words of one Colorado man, "This sure ain't the rocky mountains Dorthy", as he drove through the wind-torn states Kansas and Oklahoma. This man was taking a trip with his wife and kids. His wife's name was actually Dorthy Rue, however ironic that is. His name was Bret and they had just gotten a good way into their route back east when they saw the first tornado in their lives.
Unlike the west that is teaming with high mountains and other areas where tornadoes can't develop. These central states have long fertile plains that make tornadoes a dime a dozen. Dorthy and the kids made it out alright but their car was trashed. Brett decided that he should have bought some better Auto Insurance from Colorado.
About the Author:
Affordable American Insurance is an independent insurance broker owned and operated in Colorado. We can provide you with the best protection, the best service, and the best price for your Colorado insurance today!
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