Thousands of Colorado homeowners and drivers have spent the past few weeks meeting with insurance adjusters, along with car repair shops and roofing contractors getting “the fix” on Mother Nature’s latest round of damaging hail, wind and flooding.
The series of May storms have caused an estimated $109.3 million in insured losses resulting from 28,442 auto and homeowners insurance claims filed so far,” according to the Rocky Mountain Insurance Information Association. The damage estimates include 18,538 car insurance claims adding up to more than $57 million and 9,904 property insurance claims at nearly $52 million.
The insured losses include a week’s worth of severe weather starting May 20 with hail pounding the eastern plains into parts of Littleton, then as tornado sirens blared early the following afternoon, funnel clouds swirled over Aurora accompanied by golf ball-sized hail and heavy rains that cut a swath from northern Colorado to the Denver Metro area and south through Colorado Springs. Several more rounds of storms rounded out the week adding to the widespread damage.
“Unfortunately this is just our first glimpse of what Mother Nature can dish out during severe weather and wildfire season,” said Carole Walker, executive director of the Rocky Mountain Insurance Information Association. “Already Colorado is dealing with everything from damaging hail to flooding and even a massive mudslide in Mesa County. It all sends a clear message—check your insurance to know what it covers, what it doesn’t and how much financial protection you have when you need it the most.”
Hail, wind, fire or flood damage to vehicles is covered if you carry comprehensive insurance on your auto policy.
How to file an auto claim:
Homeowners insurance covers damage from hail, wind and flooding. Property damage resulting from rising water is covered by a separate flood insurance policy. Land and mud slides are not covered by homeowners or flood insurance—a separate high-risk policy is required. Flood insurance will typically cover what’s defined as mudflow. rmiia.org/catastrophes_and_statistics/Mudslide.asp
How to file a property claim:
Insurance company claim contact information:
In recent years, Colorado has been on a record-breaking storm track that mirrors historic thunderstorm, tornado and hail damage across the country. Colorado severe storms have caused nearly $2 billion in insured losses during the past five years, with the 2009 season being the most expensive in history with $1.4 billion in estimated damage to homes and vehicles, according to the RMIIA.
For more information: rmiia.org/Catastrophes_and_Statistics/Hail.asp
Colorado’s Most Costly Storms
With the exception of the May 22, 2008 Windsor tornado and the hailstorm that hit Pueblo on July 29, 2009, Colorado’s 10 most-costly hailstorms were centered in the Denver Metro area (the largest concentration of property in the state).