Insurance Resource Center
Essential Information for Insurance Customers
McCabe Service Group Ltd. offers a robust suite of resources to help you protect what matters most, no matter if you’re a business owner or an individual. We offer valuable information on natural disaster insurance, and our claims center will help you get started on the claims process. With our knowledge, insight, and local expertise in serving the Denver, CO metro area and beyond, you can count on McCabe Service Group Ltd. to help you navigate the insurance landscape with confidence.
Companies We Represent
Disaster Preparedness Center
We’ve provided some essential resources and information on how to prepare for, respond to, and recover from natural disasters that may impact our area. It’s important to be aware that after a disaster, insurance carriers may restrict the ability to secure coverage, so being prepared is crucial. Count on McCabe Service Group Ltd. to help you stay proactive and ready for any eventuality.
Blizzards
Heavy snow can be disruptive, destructive, and potentially deadly. Preparing for heavy snowfall is crucial for ensuring the safety of your family.
Safety Tips for Blizzards
Establish a family communication plan to ensure everyone stays connected during the storm.
Check emergency plans with your children’s daycare or school.
Identify a single point of contact outside the storm for household members to notify when they are safe.
Use text messages if phone calls are not going through due to network disruptions.
Extra Tips
Blizzards
Heavy snow can be disruptive, destructive, and potentially deadly. Preparing for heavy snowfall is crucial for ensuring the safety of your family.
Safety Tips for Blizzards
Establish a family communication plan to ensure everyone stays connected during the storm.
Check emergency plans with your children’s daycare or school.
Identify a single point of contact outside the storm for household members to notify when they are safe.
Use text messages if phone calls are not going through due to network disruptions.
Extra Tips
Hail
Hailstorms can cause significant damage to vehicles, crops, and buildings. Taking preventive measures can help minimize the impact of hailstorms.
Safety Tips for Hail
- Park vehicles in covered areas to prevent hail damage.
- Install hail-resistant roofing materials to protect your home.
- Trim trees and plants to reduce potential damage from hail and high winds.
Wildfire
Colorado is prone to wildfires, which can be extremely dangerous. Preparation is vital for protecting lives and property.
Safety Tips for Wildfires
- Create a defensible space around your home by removing dry vegetation and flammable materials.
- Have an evacuation plan in place and keep important documents and belongings ready to go.
- Consult with your insurance provider to ensure adequate coverage for wildfire protection.
- Stay informed about wildfire risks and heed evacuation orders when necessary.
FAQs
How do I file a claim after a natural disaster?
To start your claim, contact your insurance agent or company immediately—ideally within 24–48 hours of the event—and provide your policy number, contact information, and a description of the damage. Keep a record of your claim number and adjuster’s contact details for follow-up.
What should I include when documenting flood damage?
Photograph or video every area of damage before any cleanup begins, keeping damaged and undamaged items separate for clarity. Compile receipts and estimates for repairs, and submit them with your Proof of Loss form to your insurer.
How can I prepare my home and family for wildfire season?
Create a defensible space by clearing flammable vegetation at least 30 feet from structures; store important documents in a fireproof container; and develop an evacuation plan with designated meeting points. Discuss insurance coverage limits for wildfire damage to ensure adequate protection.
What are the best practices for hailstorm damage claims?
After the storm, inspect your roof and siding for dents or cracks, and document all hail impacts with time-stamped photos. Obtain an independent roofing contractor estimate to include with your claim submission.
Where can I find my carrier’s claims and billing contacts?
See the “Companies We Represent” section on our Resources page for direct phone numbers and online portals for claims and billing by carrier. If you’re unsure which carrier holds your policy, call our office and we’ll look it up for you.
How do I know if I need separate flood insurance?
Standard home policies typically exclude flood damage—if you live in a Special Flood Hazard Area, purchase an NFIP flood policy through FEMA or a private insurer to ensure coverage.
What is business interruption insurance and do I need it?
Business interruption (or loss of business income) coverage reimburses lost revenue and ongoing expenses when a covered peril forces a temporary closure. It’s essential for businesses in disaster-prone areas to maintain cash flow during recovery.
When should I review my insurance policies?
Conduct an annual policy review—ideally before peak disaster seasons (spring floods, summer wildfires, winter storms)—to adjust coverage limits, update valuations, and add endorsements as needed.
What deductible options are available and how do they affect my premium?
You can choose a standard deductible (e.g., $500–$2,000) or a percentage-based deductible for wind/hail and flood policies. Higher deductibles lower premiums but increase out-of-pocket costs when filing claims.
Are there online tools to help me plan for emergencies?
Yes. FEMA’s mobile app provides disaster alerts and preparedness checklists; the Red Cross offers printable family emergency plans; and our Resources page links to both so you can stay informed and ready.
Prepare for the unexpected & safeguard your family & property today! Contact McCabe Service Group Ltd. for expert advice.