Does Home Insurance Cover Hail Damage?

Hail can cause a lot of damage to your home. It can leave dents or dings on your roof, siding or even break windows. At CO Insurance Specialist, serving the greater Wheat Ridge, CO area, we are often asked if hail damage is covered by your home insurance policy. Here is what you need to know. 

Does Home Insurance Cover Hail Damage?

Home insurance policies do typically cover hail damage that is caused by storms. However, it is important to carefully read through your policy to ensure that it is not excluded. As long as it is not specifically excluded, hail damage may be covered. 

When Does Home Insurance Cover Hail Damage?

Home insurance will typically cover hail damage as long as your property is well-kept and cared for. If the hail left behind dents or dings, they the repairs will typically be covered by home insurance. 

When Does Home Insurance Not Cover Hail Damage?

Home insurance will not cover hail damage is the damaged item was in poor condition. For example, if your roof is already at the end of its lifespan, hail damage may not be covered because you need to replace your roof anyhow, or because the damage would not have been as severe if the roof was in good condition. 

Having the right home insurance policy is important, as it helps to protect your home against various types of incidents. It is recommended that you take a look at your home insurance policy every couple of years to make sure the policy still works for you. If you haven’t looked at your policy in some time, now would be a great time to take a look. Bring it with you to CO Insurance Specialist, serving the greater Wheat Ridge, CO area and let us help you determine whether your policy still meets your needs or whether a new policy would be a better fit for you. 

Auto Insurance coverages available in Wheat Ridge, CO

The state of Colorado requires that all car owners have auto insurance to protect oneself in the event of an accident. The only choice you have is either to purchase the states’ minimum coverages or include the premium rates available. 

At CO Insurance Specialist, we provide you with all the guidance that you may require to help you select the most convenient, affordable, and goal-oriented package. Here are some of the standard coverages in Colorado’s auto insurance policy.

  • Medical: A medical coverage will settle bills for injuries on other people in your car who may get hurt in an accident.
  •  Bodily Liability. Liability protection means that if you’re found to be at fault in case of an accident, your policy benefits will be used to pay for the injuries sustained by other parties.
  • Property: In a road accident, the car may crash on other peoples’ property. In such situations, your property liability coverage helps compensate for the loss.
  • Comprehensive: This coverage primarily protects your car from theft, glass breakage, fire, vandalism, and other elements that may damage the vehicle.
  • Collision: Collision coverage exclusively comes in only when your car collided with another vehicle, animal, trees, stones, or other motorists like motorbikes irrespective of who is at fault.
  • Uninsured/underinsured: Every country has those few drivers who drive without valid insurance policies. In an incident where you’re hit by a motorist who is either not adequately insured or completely uninsured, they may not be in a position to pay for the damage or injuries that you may sustain in the occurrence regardless of whether they’re at fault. This policy compensates for that.

Accidents knock anytime and if you’re not prepared may have to pay large sums of money to save lives. CO Insurance Specialist in Wheat Ridge, CO helps you cover yourself, family and other motorists. We encourage you to visit us, and we will ensure to get you a rate that is perfect for you.


An Overview On Commercial Insurance

Part of what makes running your own business such a thrilling experience is taking calculated risks and seeing them pay off. However, a savvy businessperson is aware that a disaster could strike at any moment and force the business to close its doors. Moreover, if you have employees, assets, and running contracts, the law requires you to have business insurance.

Nonetheless, as insurance might not be one of the fields you have specialized in, you might feel out of your depth when looking into commercial insurance coverage. CO Insurance Specialist, which serves the people of Wheat Ridge Co and other parts of Colorado, understands how insurance can be a hard topic to comprehend. Thus, our experts have taken the initiative to help you know the basics of commercial insurance, so you can be more knowledgeable when choosing your coverage.

What is Commercial Insurance?

Also known as business insurance, it is an insurance product meant to protect a business, its owner, and the employees. But as there are different types of businesses, there is no one-size-fits-all commercial insurance policy. As such, the type of coverage you choose relies on the business you are in.
Nonetheless, most commercial insurance policies incorporate basic coverages such as liability, property, auto, crime insurance, as well as other optional but necessary coverages such as equipment breakdown insurance, workers compensation, and business interruption insurance.

In spite of that, there are two main commercial insurance coverage options, and they include Commercial Property and Commercial Liability policies.
A commercial property coverage protects your business assets – buildings, equipment, vehicles, stock, furniture, etc. – against theft, floods, fires, vandalism, and more.
A commercial liability coverage protects you against any claims for damages caused by either your business operations or as a result of using your products.

CO Insurance Specialist has many other customized commercial insurance packages designed to fit your type of business. Thus, if you are in Wheat Ridge, CO, give us a visit us or contact us, and we will be glad to serve you.

Is Classic Car Insurance Less Expensive?

Owning a classic car is an enjoyable experience and helps you take a walk down memory lane. You do need insurance for your classic car, and that type of insurance is known as classic car insurance. You might be wondering whether that insurance is more or less expensive than standard car insurance. Here is some insight on that, courtesy of CO Insurance Specialist serving Wheat Ridge, CO.

The cost difference

Many people might assume that insurance for a classic car costs more than insurance for a regular car. But the opposite often is true, so many times, it is less expensive.

There are reasons for classic car insurance typically being less expensive than standard insurance. For example, there are certain restrictions for classic cars, and those lower the price of insurance. Some of the restrictions might relate to when the vehicle is permitted to be driven, the distance away from home that it can be driven, and the places to which it can be driven.

Because classic cars are restricted as far as how often they are allowed to be driven per the insurance policy, they are automatically less likely to be in accidents and experience damage. It is thus less expensive to insure them.  

Factors that affect the cost of insurance

Many factors can help to determine how much classic car insurance costs. For example, how much the car will be driven, how old the car is and how it will be used can affect the cost.

Purchasing classic car insurance can be somewhat more complex than obtaining insurance for a different type of car. If you need help deciphering all those ins and outs, we can help. So feel free to contact CO Insurance Specialist serving Wheat Ridge, CO with your questions about classic car insurance.

3 Facts About Home Insurance You Need to Know

If you have a home in Wheat Ridge, CO, you need the right home insurance to protect it. Most homeowners do not understand how home insurance works. It is wise to understand your home insurance to prevent unpleasant surprises. Contact an insurance agency with enough knowledge to explain things. CO Insurance Specialist is a great option. They will help you understand the coverage of your policy. The following are some basic facts about home insurance.

It Does Not Cover Everything

Do not assume that your home insurance covers all damages. A standard policy protects the structures of your home, its contents, and liability. Home insurance covers accidents that are unforeseen and unintentional. If an accident happens due to your negligence, it won’t be covered. Home insurance does not cover natural disasters, but you can purchase special covers that do. If you run a business from home, your home insurance does not cover the business equipment and property.

Your Dog May Affect Your Home Insurance

Insurance providers do not like your dogs as much as you do. Some insurance providers do not insure certain breeds of dogs. The costs of a dog bite can be high. If your dog is large or aggressive, you may have to pay higher premium rates than you expected. You may, however, buy a separate insurance policy for our dogs. Some of the dogs that most insurance providers blacklist include Akita, Cane Corso, and German shepherd.

You Need to Make a Claim Fast

There is usually a deadline for when you can make a claim. In case of damages, make a claim as soon as possible. If you miss the deadline, your insurance provider may not offer you compensation. Most home damages get worse with time.

Contact CO Insurance Specialist for your home insurance needs in Wheat Ridge, CO.

Auto Insurance Coverage Options

As a driver, you face several risks every time you hit the streets of Wheat Ridge, CO, including collisions, theft, vandalism, and much more. However, having auto insurance with CO Insurance Specialist ensures that you are financially protected in case of an unknown risk.

The state of Colorado requires all drivers to carry auto insurance, failure to which you can face penalties such as fines, license suspension, community service, and 4 points on your driver’s license. In addition, the Colorado DMV requires you to show proof of auto insurance before you can register your car or renew registration.

Drivers must have the following coverage options:

Property Damage Liability

This coverage covers expenses related to the damage to someone else’s property when you cause an accident

Bodily Injury Liability

This coverage caters to the expenses related to bodily injuries of a third party when the accident is your fault.

But, other smart coverage options to add to your auto insurance policy include:


Comprehensive coverage caters to the cost of repairing or replacing your vehicle in case it’s damaged due to non-collision accidents, for instance, vandalism, theft, wildlife, and much more.


Collision coverage caters for the cost of repairs to your vehicle in case it’s damaged after hitting or being hit by another vehicle or object.


Even though auto insurance is compulsory, some drivers still don’t carry it while others don’t have enough coverage. This type of coverage covers expenses in case you’re involved in an accident where the other party is at fault but has less or no insurance.

Medical Payments

This coverage caters for your medical expenses and those of your passengers in case of an accident regardless of who’s at fault.

At CO Insurance Specialist, we offer affordable, reliable auto insurance policies. Contact us today for a worry-free driving experience in Wheat Ridge, CO.

What Happens If You’re Involved In A Hit and Run Accident?

Drivers in the Wheat Ridge, CO area can turn to the agents at CO Insurance Specialist if they have concerns about their insurance coverage. Being involved in a hit and run accident can be an upsetting experience, especially when you don’t know who to blame for the damages, Getting your vehicle repaired is your primary concern, but who will ultimately pay for it?

File A Police Report

If you find yourself the victim of a hit and run accident, your first phone call should be to the police. You will need to file a police report and get the names of any witnesses that may have been present. The police report should be filed as soon as possible so they can begin their investigation while the leads are still fresh,

Call Your Insurance Agent

Your next step is to call your insurance agent and let them know what has happened. Your insurance agent will discuss your options with you. They will also be in communication with the police department if the other driver is ever identified. Once your agent has everything processed, they will help you to get the necessary repairs for your vehicle. 

At CO Insurance Specialist, residents who live in or near Wheat Ridge, CO can talk to an agent to find out what they need to do if they are involved in a hit and run accident. It’s imperative that you call and schedule an appointment as soon as possible so that your car can be repaired as quickly as possible. Whether you are looking for a new policy or have questions about an existing one, they can help!


Types of Commercial Insurance for Freelancers

Wheat Ridge, CO has seen an increase in freelancers lately, which is typical for the national trend sweeping the nation. Unfortunately, we at CO Insurance Specialist have noticed freelancers aren’t taking the proper steps to ensure themselves. That’s because they don’t quite understand that they are a business and might need some protection. Therefore, it is critical to know what kind of freelance commercial insurance is available and how it helps protect your financial freedom.

The Types You Can Expect

When buying commercial freelancer insurance, your options include:

  • General Liability – Covers you when somebody tries to sue you after suffering a bodily injury. Can also protect you against slander, libel, and copyright issues.
  • Property Coverage – If your freelance business includes property (such as an office in your home), commercial property insurance will cover any damage that occurs to it.
  • Professional Liability – When your actions somehow cause financial problems for your clients, this type of coverage can protect you in lawsuits.

Thankfully, you can add all of these types of coverage to your commercial insurance to create a diverse policy that ensures maximum protection.

Is It Strictly Necessary?

While you might not strictly need freelancer commercial insurance, it’s great to have it when you need it. Without this type of coverage, you could be sued and end up losing everything in a lawsuit. However, your liability insurance will protect you and ensure that you can stay in business and even rebound if you lose the lawsuit. When you do, your liability insurance will pay.

Protect Your Freelance Business

So if you are a freelancer in Wheat Ridge, CO and want to protect your business needs, please don’t hesitate to contact us at CO Insurance Specialist. We will take steps to ensure that your business needs are protected and that you don’t suffer from any losses.

When Does a New Construction Need Home Insurance?

Many people only dream about building a brand new home in Wheat Ridge, CO. What a lot of them don’t realize is that building a new home is often much less expensive than purchasing one that has already been built. Building a home is especially cost-efficient if you are able to perform some of the work yourself, such as framing it, painting the walls, hanging the drywall, etc. For now, let’s take a quick look at when a new construction needs to have insurance on it. 

When Does a New Construction Need to Have Home Insurance?

You may think that you need to wait until you move into a new home before putting insurance on it. What happens, though, if something was to cause damage to it during the construction process? This is why you need to speak with an insurance specialist about the types of insurance you can put on a home while it is being built. 

Take for example your new home is almost completely done and a windstorm takes place and rips off the roof that was just installed. Who is responsible for paying for the removal, repair, and replacement of a new roof? You are, and if you don’t have proper insurance in place, you are going to find yourself reaching far into your pockets to pay for the accompanying expenses. 

From the very first day that you decide you want to build a new home, you should contact CO Insurance Specialist to see what types of insurance you need to invest in. You may find that you are able to protect your home while it’s being constructed for only a few dollars a month. 

Contact CO Insurance Specialist today serving the Wheat Ridge, CO area to learn more about protecting your new construction with insurance. 

Make Sure You Have the Right Insurance Policy to Protect Your Classic Car

Classic Cars are Both a Hobby and an Investment

When you stop to think about the investment that you have made in your classic car collection, in terms of both money and time, it becomes clear that the appropriate type and insurance level is essential. If you are in the greater Wheat Ridge, CO area, contact CO Insurance Specialist for guidance during your insurance selection process. 

When choosing the correct policy to cover your classic car, be sure to consider the following:

  • Is the car stored in a garage full-time
  • How many miles, and how far from home is it typically driven each year
  • Your previous driving experience and record

Classic car enthusiasts typically enjoy taking their autos out for Sunday drives or to meet up with other drivers at car shows and local rallies. While there are certain restrictions that are in place for coverage of classic cars, the team at CO Insurance Specialist will work with you to find the policy that is appropriate for your needs. Collectors and car enthusiasts require a specialized policy and an agency that understands the intricacies of their investment.

Classic cars that are driven more than approximately 5,000 miles each year can be more difficult to cover, as there is a greater chance for loss. If your situation falls outside of the typical guidelines for obtaining a classic car policy, we will work with you to find a workable alternative whenever possible.

Classic cars are a unique and meaningful asset, and knowing that you have the proper insurance can provide you with a lot of peace of mind. Stop by or call CO Insurance Specialist to learn more about protecting your classic car in the greater Wheat Ridge, CO area.