March, 2019 | Blog | AFI Insurance

If you own a home in the Denver, CO area and are thinking about selling, there are some important repairs you may want to consider before you place it on the market. To increase your home’s value, you also don’t want to spend a ton of money on repairs you won’t be there to enjoy. The key is to focus on critical areas for improvements.

The flooring is the number one area to inspect. Scratched up wood flooring, tattered or out of date carpeting, and worn linoleum can make your home seem sad and rundown. The best way is to replace it to freshen up your home and add value.
Fix water leaks and any water stains left behind on walls or ceilings. Water stains can look frightful to potential buyers.
Repair or replace the torn window and door screens to add value and improve appearance.
Update tile grout if it’s yellowed or cracking. Re-grouting is less expensive than a new tile job and can improve a counter or bathroom appearance immensely.
Give the property some attention to remove or revive the lawn, trees, or shrubbery. Clean up any miscellaneous debris or trash.
Remove any pet damage. If there is pet damage to the doors or walls, buyers will also look for pet stains on the flooring. It’s best to have the damage repaired.
Revive an outdated kitchen because the kitchen is most often one of the most crucial selling points for a home. A full kitchen renovation is not necessary, but you’ll want to focus on the most outdated areas.

AFI Insurance

The insurance agents at AFI Insurance work to provide the best options for coverage in the Denver, CO area. Contact an AFI agent today for your home insurance needs.

Unfortunately, not every driver on the road in Denver, CO has insurance. If such a person hits your car, you do have options, especially if you already have an auto insurance policy from AFI Insurance. Here’s what you need to know.

How an Accident with an Uninsured Motorist Can Devastate You

When a collision occurs, the insurance of the at-fault driver should pay for the damages you sustain. Those damages can include repairs to your vehicle, medical bills, and even lost wages. When an uninsured motorist is an at-fault driver, there’s no insurance company, leaving you dealing with the expenses.

An accident with someone with no insurance can negatively affect your life in profound and critical ways. You can attempt to sue the motorist directly, but odds are that individual will not have the assets to cover any of your damages.

Why You Need Uninsured Motorist Coverage

Uninsured motorist coverage exists specifically for dealing with accidents with uninsured motorists. Often, this insurance option comes with underinsured motorist coverage as well. Some people may have insurance, but not enough insurance. In either case, these policies will kick in to help cover you.

Uninsured motorist coverage isn’t mandatory in Colorado, so you have to add it to your policy. When you make a claim, you will make it against your policy’s coverage limit, which your insurance company will pay.

What to Do If You’re In an Accident with an Uninsured Motorist

If you’re in an accident, make sure you’re okay. If not, seek police and medical attention immediately. If you can, check on the other driver. If the driver is amendable, you can gather information. Try to get the person’s name, contact information, and possibly a signed statement. You can give all this information to your insurance company with your claim.

Uninsured motorist accidents happen frequently in Denver, CO. Don’t wait too long before you add uninsured motorist coverage to your policy. Contact AFI Insurance today to learn more about uninsured and underinsured coverage for you and your vehicle.