Brukhouse Insurance | Affordable American Insurance Colorado Springs
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We are all thinking about wildfire right now and for good reason. As I write this article there are 10 wildfires burning in Colorado. Wildfires have been an increasing cause of catastrophic losses in recent years. Spurred by the lack of precipitation, wildfires have become a greater and greater threat. It is a helpless feeling when …
The best restaurant insurance is the one that provides the coverage you need at a fair price. Whether you have owned a restaurant for decades or days, you should read through this to make sure you have asked all the right questions of your insurance provider. (As a side note it may seem strange to ask …
06/13/2018 – I woke up this morning to news of a major hail storm that came through the Southern part of our city in the early hours. These storms that are bringing baseball size hail are so common now that insurance companies are treating the Front Range, the area along I-25 East of the mountains from Pueblo to Fort …
It’s no secret that auto insurance rates have been rising consistently over the past few years. At the end of the day there is only one reason an insurance company will raise rates, their losses are too high and they are unprofitable. Now, there are MANY reasons that a company might be unprofitable. These include but …
“Are there limits to the policy that don’t show up on the declaration page?” The Declaration Page of your policy is that first page that summarizes the coverage for your property, liability, some options etc. While most quotes consist of only a declaration page and most shoppers only compare the declaration page, there can be …
This is a recent email I received from one of our valued clients. We take pride in making sure that the policies we sell will provide the protection that our clients expect and need. I think the interaction speaks for itself. ============================================ Dear Kearson, Everything regarding our claim continues to go very smoothly. The mitigation …
Sorry – Not Sorry A recent call to my office was from a 70-year-old retiree on a fixed income. She asked about life insurance and whether she could do better than what she had. Since she did not have the policies in front of her and did not know all the details, I offered to …
As an independent insurance agent I get information from a much broader slice of the industry than I did when I was captive to one company. Sometimes this information helps me find better coverage options or lower rates for my clients. Sometimes, as in this case, it merely helps to understand the landscape. Several companies …
We all pay for insurance and most of us just expect that claims will be paid when we file them. However, insurance is a legal contract and payments will be made according to the contract. Here are some common reasons claims might be denied: The coverage was not accepted. If an agent offers coverage but the …
“I had a claim and my agent didn’t help.” This is a complaint that I hear from new insurance shoppers pretty often. It’s unfortunate but it happens. Insurance agents are less involved in the claims process than they once were. Companies have added efficiency that means there are specialists taking the claim information, explaining the …
I can’t insure my home! If you own a home in a hilly or more forested area you may already have run into a new insurance underwriting tool being used called the Fireline Score. To learn more details about the score itself you can check out this link: http://www.veriskclimate.com/solutions/riskscape/wildfire-risk-scoring-fireline What I want to focus on here …
…If my insurance company makes money? I hear it often if not every day “Insurance companies are all about making money, they take your premiums and then deny your claims.” The second part of this sentence will be the subject of a future blog. But the first part is what I want to address here. …
