House Cleaning Tips for Winter

Cleaning your home for winter can save on energy costs and double work due to dust and debris buildup. The Maanen Insurance Group wants you to know that in Greeley, CO, you should start cleaning your home before winter, and here are you a few tips to help you get started.

Refrigerator

Although you may regularly clean out the inside of the refrigerator, you may forget to clean the outside. The refrigerator coils are either located on the back or the bottom, depending on what type of fridge you own. Once you locate them, vacuum the dirt and debris from the coils. You may need to use a damp cloth to get some of the stubborn dirt off. If these coils go uncleaned, it can cause your refrigerator to work harder using more energy and decreasing the life of your appliance.

Windows

It’s a good time to clean your windows and glass doors before it gets too cold. Use a bucket of soapy water to clean your glass and once it dries, go over it with a window cleaning solution. A natural solution is a water mixed with vinegar and lemon juice.

Air Filters

Replace your air filters so that your home’s air continues to stay clean and fresh. The size of the filter is written in the old one. Just pull it out and replace it with a new one. You can find air filters at your local home improvement stores or online. Replacing the filters will also keep the dust level down, so you won’t have to vacuum or dust your furniture as often.

Do a deep clean before winter starts, so you can enjoy the season and if you’re in Greeley, CO, you can stop by Maanen Insurance Group to see what types of insurance coverage you can get for your home.

Who should get flood insurance?

If you are a property owner in the Greeley, CO area you can enjoy a wide range of long-term benefits. For those that do own their own property here, it continues to be very important to get the right insurance in place. One form of insurance that should be considered if you live here is flood insurance. There are a variety of situations when someone here should get flood insurance for their home in Greeley.

When Required by Lender

One situation when you should get flood insurance is when it is required by your lender. Mortgage lenders are well aware of the value that is provided by a flood insurance policy. Due to this, they want to ensure that people who are at risk of flood damage will have the coverage and protection in place that they need. If you are located in a flood zone, there is a very good chance that your lender will require that you carry full insurance at all times. 

When Looking to Protect Home

Another reason that you should get flood insurance is that it can help to protect your home. Depending on if you have a mortgage or the type of mortgage that you have, getting flood insurance may not be a lender requirement. However, you should still obtain this coverage if you want to protect your property as well as possible.

Ultimately, getting flood insurance can be a great option for anyone that wants to protect their home against the potential damage that could come with a flood. If you are going to get this insurance here in the Greeley, CO area, you should contact the Maanen Insurance Group. At the Maanen Insurance Group, you can learn a lot more about your options when it comes to flood insurance. 

5 Ways to Prepare Your Small Business for a Disaster

Disaster prep is an important aspect of growing a business. In addition to insuring your Greeley, CO business with commercial coverage from Maanen Insurance Group, there are measures you can take to prepare for a disaster. Advanced preparation could be the key to keeping your business going after a major disaster.

Create a Disaster Plan

Create a disaster plan that addresses such issues as a chain of command, employee responsibilities, business operations if your workplace is compromised, evacuation routes, communications, and more. Your plan should outline procedures for continuing after a disaster. Your employees should be familiar and comfortable with these procedures to avoid delays in implementation.

Develop a Plan for Communicating After a Crisis

Develop a plan for communicating with your employees and customers after a disaster. Make sure someone is in charge of checking on the health and safety of your employees. A team should also be in charge of communicating with customers to keep them informed on the status of your business. This could be done through emails, social media or press releases.

Back-Up Essential Business Data

Make sure you have copies of essential business documents stored in a safe, off-site location as well as in the cloud. This includes employee and customer data, payroll information, tax forms, insurance forms and other essential data.

Review Commercial Coverage

Review your commercial insurance policy often to ensure you have adequate coverage. As your business grows, you may need to adjust your coverage to keep up with the needs of your enterprise.  

Set Up a Disaster Fund

Set up a disaster fund to help cover payroll and urgent business expenses in case your business isn’t able to generate income for days or weeks following a disaster.

To purchase commercial insurance to protect your Greeley, CO business from disasters, contact Maanen Insurance Group.

Importance of Updating Your Home Insurance

Like many homeowners, you may be in the habit of renewing your home insurance annually without taking time to review your policy. Home insurance, however, needs to be reviewed periodically to ensure your coverage is up to date. Changes in your home structure or personal lifestyle could alter your coverage, making it less effective in protecting your Greeley, CO property. By discussing home upgrades or lifestyle changes with your Maanen Insurance Group agent, you’ll have a better idea of when it’s necessary to update your policy. 

Home Renovations

Major home upgrades like a new back patio or kitchen remodel can increase your home’s value. If you insured your Greeley, CO home at a lower rate, you’ll need to increase your dwelling coverage to ensure your home is fully protected against any eventuality. Otherwise, you could be caught short in the event of a total loss. You’ll also need to add renovations to your coverage so they’ll be protected against damage or loss.

Some renovations like a new roof or upgrades in your electrical or plumbing system could qualify you for a discount on your home insurance as they lower your risk of water or fire damage. You can discuss possible discounts with your agent when you update your policy.

New Furniture/Appliances

If your renovations include the purchase of costly electronics or an upgrade in major appliances, you may need to increase the limits of your property coverage to protect these investments against theft or loss. By getting replacement cost coverage for valuable goods, you’ll be compensated for their full value if they are stolen or destroyed in a covered peril.

Lifestyle Changes

Lifestyle changes like retirement, getting a dog or downgrading your home can also alter your home insurance or affect its cost. To update your policy and maintain the protection you need, contact Maanen Insurance Group today. 

Protect Your Greeley CO Business with a Comprehensive Commercial Policy

Business owners in the Greeley, CO area have long relied on Maanen Insurance Group for their comprehensive commercial insurance needs. If you are a business owner and want to review your current policy, or if you are just getting started, we are here to help! Our team has the knowledge and experience necessary to help our clients protect their commercial interests. 

Benefits of a Comprehensive Commercial Policy

When you opt for a comprehensive commercial policy you are taking steps that will protect your business in the event of a covered event. A basic policy may help in some situations, but in most cases, they just don’t provide the coverage that businesses need. Property and equipment protection, liability, injury, and business interruption coverage are just a few of the ways that an appropriate policy can protect all of your hard work. 

Working with a dedicated business insurance team allows you to focus on your work. If you want to sleep easy knowing that your business has the protection it needs, it makes sense to sit down with a local agent and review your policy options. Choosing the correct coverage levels is also an important step in securing the most appropriate policy for your company. A robust commercial policy can protect you and your business and help you get back on your feet after a covered event.

Owning a business takes a lot of hard work and dedication, it only makes sense to have the necessary coverage in place to protect it! Find out more today and make sure your business is safe. Don’t wait until you’ve experienced a catastrophic event to review your policy. Call the team at Maanen Insurance Group today and let us help you protect your Greeley, CO business. 

Importance of Flood Insurance

One thing we know living in the Centennial State, Mother Nature can sometimes prove a temperamental parental unit, and you do not need to live in Colorado to understand the extensive damage that can be caused by flooding.  While flooding is not necessarily a regular factor for residents of Greeley CO, flooding does occur and many people, in the aftermath of such an occurrence, are shocked to find that their normal homeowner’s coverage does not cover flood damage.  If you are worried about the possible implications and costs of being uncovered for flood damage, we are standing by at Maanen Insurance Group to discuss your options.

Importance of Flood Insurance in Greeley, CO

When it comes to needing flood insurance, not everyone will necessarily find themselves in the same situation.  Specifically, flood insurance coverage is offered via a federal program known as the National Flood Insurance Program. 

The aim of this 50-year government program is, according to the Federal Emergency Management Administration (FEMA) website, “to reduce the impact of flooding on private and public structures by providing affordable insurance to homeowners, renters, and businesses.”  Additionally, the program works to encourage communities to adopt and enforce floodplain management regulations.

As a Greeley, CO area resident we’re standing by with information and flood insurance policies tailored to your specific circumstances and needs.  You never want to start thinking about insurance after a disaster, so contact our knowledgeable staff for the information you need to make an informed decision today.

Maanen Insurance Group for Your Flood Insurance Needs

We welcome you to contact our friendly staff to start discussing your flood insurance needs in Greeley, CO.  As mentioned, everyone’s situation is different when it comes to getting flood insurance, so come on in and we can tailor the flood insurance policy designed to meet your exacting requirements.

Protecting Your Business From Crimes With Commercial Insurance

There is so much that goes into running a business. When you are starting up a business, or just trying to keep the lights on after many years, it is important to keep any risk exposures at bay. One of the big risk exposures that you face as a business is in the crime space. All it takes is one criminal act and you can be wiped out of your data, your inventory, or something else entirely. When you are a business, the way to protect yourself in this space is not just with a security system, but also with crime insurance.

Crime insurance is something that not every business carries but should be a part of your overall commercial insurance coverage package you are purchasing. Crime insurance is going to help to protect your business in the event you are hit with criminal activity.

So what exactly can crime insurance help you with from a coverage perspective? When you re talking about crime insurance, one of the things that can help you is to protect you in the event you are robbed of actual cash, funds.  

Crime insurance goes beyond just money though, protecting you from the loss or theft of securities as well as assets. This can include theft that is carried out by an employee of your company, or theft through fraud by third parties such s forgery.  

You work so hard to get your business up and running, stable. You build up a brand that is reputable to customers. The last thing you want is for a criminal act to take everything down. With your Greeley, CO business, take all risk exposures seriously. Work with the team at the Maanen Insurance Group to explore crime insurance options in more detail today.

Am I Liable if my Dog Gets Out and Causes an Accident?

Maanen Insurance Group offers residents of Greeley, CO the highest quality of service when it comes to homeowners’ insurance and other types of coverage. Customers who have pets often have questions about any liability they may experience if their pet causes an accident or bites someone who comes onto the property. The agents have the answers and can assist clients with finding the right coverage for their needs.

Secure Your Property 

If your dog gets out of your home or yard and causes an accident, you will be liable for any damage or injuries that were caused. If you have a fence around your party, it’s important to make sure your property is secure. This involves making sure there are no holes or weaknesses in the fence that surrounds your property. You should also post a "Beware of Dog" sign on your property to let guests know a dog lives there.

Maintain Control of Your Pet

It is also extremely important that you maintain control of your pet at all times. This means that when your dog is outside of the confines of your fence, it is secured on a leash. Many states now have leash laws that make it mandatory for your dog to be on a leash at all times when it is away from your property.

If you live in Greeley, CO and have questions about how to protect your self from various forms of liability, especially that which is associated with your pets, call and talk to the agents of Maanen Insurance Group. Speaking with your agent will ensure that you have the right type of coverage for your home. 

Does Commercial Insurance Cover Inventory?

Having a business means that certain precautions need to be taken to prevent loss as a result of certain hazards. One major concern that many retail businesses have is protecting valuable inventory. Without protection for inventory on hand, it can spell disaster in some instances. 

Does Commercial Insurance Cover Inventory?

In most cases, good commercial insurance will cover non-perishable inventory on the premises where there is coverage in place. However, there are cases where perishable inventory needs to be covered by a special type of insurance, or by an add on to the original policy. If there are certain circumstances where there is a risk of loss to perishable inventory, it should be addressed when shopping for a commercial policy. Always use a professional when searching for a policy that fits the business’s particular needs to avoid mishaps and issues later on. 

Finding The Right Policy

There are many types of commercial insurance policies on the market, but not all of them are alike. Consult with an insurance professional and explain what items need to be covered and what type of inventory is on hand. You can choose from various options to ensure inventory is adequately insured. Anyone who is currently looking for a commercial insurance policy should consult with Maanen Insurance Group in Greeley, CO. We will work one on one with clients to help build a solid layer of protection against large and small threats. 

Don’t take chances shopping for insurance without the assistance of insurance professionals. Call or stop by Maanen Insurance Group if you have a business near Greeley, CO and let our agents assist you with getting high-quality comprehensive coverage. 

Potential Forms of Flood Damage

Floodwaters can create far more than just water damage to belongings and wallboard. It can cause mold, mildew, and require air and HVAC treatment of the ductwork. This blog from Maanen Insurance Group of Greeley, CO explains the types of damage flooding can cause and the appropriate professional to call for cleanup.

Water Damage

Water damage can happen in several ways. Pipes might burst, or plumbing or appliances can back up. Rains and winds can cause damage from severe storms. An accident can cause a hole in the ceiling that allows water infiltration. There is a variety of ways that water can cause issues.

The damage is not merely the water stains on furniture, walls, drapes, etc. You can also sustain the following:

  • Mold
  • Mildew
  • Debris and spores in the HVAC

That probably sounds gross, but a typical standard home policy, also known as an HO-3, covers your damage and repairs whether it was caused by snowmelt, water overflow discharge, or your water heater giving out. You usually also have coverage if your damage came from frozen pipes. If you chose an HO-1 or HO-8, the coverage is more limited. You still need to conduct the cleanup, even if you have to pay out-of-pocket because of the health dangers to you and your family.

Cleaning It Up

Cleaning up after the flood requires hiring a professional. These individuals use special equipment like industrial fans to dry the area. They will also use high-powered vacuums to clean out the HVAC system in your home, ensuring no flood debris or mold spores remain in your ductwork.

They also dry and sanitize all the salvageable items. You separate the damaged items from the rest of your belongings. The professional cleaners dry the piece thoroughly, then use an industrial-grade sanitizing liquid to remove all traces of mold and mildew.

You may lose a few keepsakes if the water damage is too egregious. Some items cannot be saved.

If the water damaged the home’s walls, the cleanup crew might have to demolish the existing walls and rebuild them. Particleboard molds and mildews easily. Water can seep through it and cause mold and mildew inside the wall. This creates a serious health risk. The cleanup team tests the interior of the walls for mold and mildew. If present, they conduct drying and sanitizing before replacing your particleboard.

Check with Maanen Insurance Group of Greeley, CO before you phone a cleanup crew. We can help you speed the process by advising you on which cleanup services accept our insurance and by beginning your insurance claim immediately. Call Maanen today to learn more about how home insurance protects you from a flooded water heater or the snow that broke through your ceiling.