Recently, a California couple’s home insurance was canceled after satellite images allegedly revealed roof damage, which the homeowners said was simply their solar panels. This situation highlights a growing trend of insurers using technology like satellite imagery and drones to assess risks. To read the full story, visit Moneywise.

While this incident occurred in California, it raises concerns for homeowners across the country, including in Colorado, where weather-related risks such as wildfires and snow can increase the likelihood of insurance evaluations. Insurers are now using advanced technology to monitor homes remotely, potentially leading to disputed cancellations based on unclear or incorrect assessments. Here’s what Colorado homeowners need to know and how they can protect themselves.

How Colorado Homeowners Can Protect Themselves

• Maintain Detailed Records of Home Improvements: If you install solar panels, add fire-resistant materials, or perform any significant home upgrades, keep thorough documentation. This includes receipts, warranties, and photos, all of which can be crucial in contesting any inaccurate assessments made by satellite or drone imagery.
• Clarify Risk Assessment Methods: Talk to your insurance provider about how they assess your home’s risk. Understanding whether they use satellite or drone technology, and knowing what triggers a reevaluation, can help you stay ahead of potential issues.
• Proactive Inspections and Maintenance: Regularly inspect your home, especially the roof, to ensure no legitimate issues could be flagged by an aerial assessment. Colorado’s harsh winters and wildfire seasons can make homes more susceptible to damage, so keeping up with maintenance is key.
• Fire Mitigation Efforts: With Colorado’s history of wildfires, implementing fire mitigation strategies, such as clearing brush or installing fire-resistant roofing, can help lower risks and qualify you for insurance discounts.
• Explore Bundling and Security Discounts: Many Colorado insurers, including those represented by Castle Rock Insurance, offer discounts for bundling home and auto insurance. Installing home security systems, fire alarms, or water sensors can also reduce your insurance costs.

The Importance of Working with a Local Insurance Broker

Colorado homeowners face unique risks that vary by location—whether it’s the threat of wildfires in the foothills or heavy snow in mountain communities. Working with a local independent broker, such as Castle Rock Insurance, ensures you get the best coverage tailored to your specific needs. Castle Rock Insurance works with 20+ personal insurance carriers, offering a wide range of options for homeowners insurance, auto insurance, and more. With local expertise and personalized service, Castle Rock Insurance can help you avoid unexpected cancellations and ensure your home is properly protected.

By staying informed and proactive, you can protect yourself from the increasing use of technology in home insurance assessments and ensure you’re prepared for Colorado’s unique challenges.