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How to Prepare Your Car For Winter in Denver, CO

Winter is nearly upon us once again. For most Denver, CO residents, the winter is their favorite time of the year due to the colder temperatures and the bevy of winter activities available in the area. Without a properly working vehicle, you will struggle with things like getting to work on time. The colder temperatures of winter can cause a car to perform sluggishly if it has not been maintained properly. When trying to get your vehicle ready for the coming winter weather, here are some of the things you need to do.

Checking the Condition Of Your Tires

The only part of your vehicle that actually touches the ground are the tires. As time goes by, the rubber that your tires are made of will begin to deteriorate. Before the roads begin to ice over due to colder winter temperatures in the Denver, CO area, you will need to get your tires checked out by a professional. If the tires are worn, it will be very hard for them to grip the road tightly when ice is present. This can lead to accidents and a lot of damage being done to your vehicle. Getting a new set of tires will help you stay safe regardless of the road conditions.

Ensuring the Car’s Heater is Working Properly

In order to combat the ice cold temperatures that winter can bring, your car’s heater will have to be working properly. If things like the heater core begin to leak, you will need to get it replaced before winter arrives. Taking the vehicle to a mechanic who is familiar with automotive heating systems is the only way to ensure there are no repair issues to address. If components of the heating system are broken, the mechanic will be able to replace them quickly.

Making sure that you have adequate car insurance coverage is easy when working with AFI Insurance. The team at AFI Insurance have the experience needed to get you the best possible coverage for the best price.

How to Prepare Your Car For Winter in Denver, CO

Winter is nearly upon us once again. For most Denver, CO residents, the winter is their favorite time of the year due to the colder temperatures and the bevy of winter activities available in the area. Without a properly working vehicle, you will struggle with things like getting to work on time. The colder temperatures of winter can cause a car to perform sluggishly if it has not been maintained properly. When trying to get your vehicle ready for the coming winter weather, here are some of the things you need to do.

Checking the Condition Of Your Tires

The only part of your vehicle that actually touches the ground are the tires. As time goes by, the rubber that your tires are made of will begin to deteriorate. Before the roads begin to ice over due to colder winter temperatures in the Denver, CO area, you will need to get your tires checked out by a professional. If the tires are worn, it will be very hard for them to grip the road tightly when ice is present. This can lead to accidents and a lot of damage being done to your vehicle. Getting a new set of tires will help you stay safe regardless of the road conditions.

Ensuring the Car’s Heater is Working Properly

In order to combat the ice cold temperatures that winter can bring, your car’s heater will have to be working properly. If things like the heater core begin to leak, you will need to get it replaced before winter arrives. Taking the vehicle to a mechanic who is familiar with automotive heating systems is the only way to ensure there are no repair issues to address. If components of the heating system are broken, the mechanic will be able to replace them quickly.

Making sure that you have adequate car insurance coverage is easy when working with AFI Insurance. The team at AFI Insurance have the experience needed to get you the best possible coverage for the best price.

Why Flood Insurance Isn’t Part of Homeowner’s Insurance

New homeowners are regularly educated on what they’re required to take care of when financing a home purchase, and that includes a home insurance policy to protect the asset from harm. However, if read closely, one is going to find that while the policy protects against general hazards like theft, fire, structural damage and similar, one particular risk is left out: flood damage.

Flood protection has for many years been an issue addressed by the federal government. The National Flood Insurance Program, or NFIP to the industry, is administered by the Federal Emergency Management Agency (FEMA) to both provide homeowners insurance coverage against flood risk as well as to push for proactive flood planning in communities at high risk for flooding. However, NFIP benefits are not directly accessible to private homeowners. Instead, NFIP underwrites and supports policies provided by traditional home insurance providers. The program works very similarly to how mortgages from home lenders are backed and supported by the federal government. Should there be a flood and claims are triggered, the provider acts as the go-between with the homeowner and NFIP. Up to a predetermined limit, claims are processed and funded, and the provider is then taken care of by the NFIP program.

However, NFIP eligiblity for flood insurance doesn’t happen automatically. Homeowners need to secure a policy first. Some regions are determined as high risk and flood insurance is required by mortgage lenders on financed homes. However, other regions and non-financed homes have no such requirement. If flooded and no policy is in place, NFIP cannot help such properties if a flood does occur.

For those in the Denver, CO greater area, flooding doesn’t need to just be near a river or lake. It can happen with flash floods from rain watersheds, particularly at the base of mountains. To find out more about how NFIP can help, folks can contact AFI Insurance for details and how to start a flood policy.

 

 

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