Uncle Sheldon Insurance helps homeowners in Estes Park protect places that sit right at the edge of the national park. Our Colorado team works with owners from Carriage Hills and Windcliff to the homes along Fall River and up Devils Gulch Road toward Glen Haven.
Two Risks, Two Policies
Estes Park homes face wildfire from the forest behind them and flash flooding from the canyons and drainages below. The 2013 floods showed how fast water can move through the Big Thompson and Fall River corridors, and the surrounding forest keeps wildfire on every carrier’s mind.
Here’s the part that surprises people. A homeowners policy covers fire, but it never covers flood. Homes near a gulch, a creek or the river through downtown need a separate flood policy, and there’s usually a waiting period before it starts, so it’s worth setting up well before spring runoff.
Finding a Carrier That Still Writes Here
Some companies have grown choosier about mountain homes with fire exposure. We shop the ones still writing in Larimer County, explain what each needs to see, from defensible space to roof type, and help you keep the policy in place at renewal.
Cabins, Rentals and Everything Else
Plenty of Estes Park homes are second homes or summer rentals. We’ll make sure the policy matches how the place is used, whether that’s full time, a few months a year or guests every weekend. Working with our team costs nothing extra, and we stay with you after the policy is written.