What to do ahead of time:

  • Hire a licensed electrician to raise electric components (switches, sockets, circuit breakers, and wiring) at least 12 inches above the expected flood levels for your area.
  • Make sure your yard’s grading (slope) directs water away from the building.
  • Have the installation of your furnace, water heater, and other permanent equipment modified so that they are elevated above the expected flood levels for your area.
  • Anchor fuel tanks. An unanchored tank can be torn free by floodwaters, and the broken supply line can cause contamination or if outdoors, can be swept downstream and damage other property.
  • If you have a basement, hire a licensed plumber to install an interior or exterior backflow valve to prevent sewage from backing up into your basement from a flooded sewer system. Check with your building department for permit requirements. Note: this won’t help if floodwaters pour into your basement or house, but it could help in instances where flooding affects the sewage system, but not your house.

What to do when flooding is imminent:

  • Clear drains, gutters, and downspouts of debris.
  • Move furniture and electronics off the floor, particularly in basements and first floor levels.
  • Roll up area rugs, where possible, and store these on higher floors or elevations. This will reduce the chances of rugs getting wet and growing mold.
  • Prepare an evacuation kit with important papers, insurance documents, medications, and other things you may need if you are forced to be away from your home or business for several days.
  • Inspect sump pumps and drains to ensure proper operation. If a sump pump has a battery backup, make sure the batteries are fresh or replace them.
  • Shut off electrical service at the main breaker if the electrical system and outlets will be underwater.
  • Place all appliances, including stove, washer, and dryer, on masonry blocks or concrete at least 12 inches above the projected flood elevation.

What to do after flooding:

  • As soon as it is safe to do so, disconnect all electronics/electrical equipment and move it to a dry location.
  • Remove as much standing water as possible from inside the building.
  • Remove water-damaged materials immediately.
  • Ventilate with fans or use dehumidifiers to dry out the house.
  • Acting quickly can increase the chance of salvaging usable materials, reduce the amount of rust and mold that might develop, and limit the likelihood of structural problems.

Did you know that between Memorial Day and Labor Day an average of eight teens are killed every single day?  This is according to statistics from Tire Rack Street Survival, a national nonprofit teen driving program.
It’s no surprise that teenage drivers are at the highest risk to be involved in auto accident.  They don’t have experience to respond and react to dangerous situations on the road.  This explains why teenage auto insurance rates are so expensive.
So to help protect our Denver Metro and Arvada clients, we have put together a list of recommendations to keep your teenage driver safe on the road (and help keep your auto insurance rates down in the process).  Many of these recommendations come from a great article posted by the Insurance Information Institute (
1. Don’t Allow Friends in the Car.  Did you know that when there is a teen passenger in the car, your child’s chances of being involved in an accident double?  And if there are 3 or more passengers, the chances actually quadruple?   Teens can be distracted very easily when driving which is why recommend they drive alone in the car.
2. Pick a Safe Car.  Avoid small cars with high performance engines.  Rather choose a car that is easy to drive with great safety features.  Also, trucks and SUVs should be avoided as well because of they are prone to rollovers.
3. Enroll Your Teen in a Safe Driver Program.  Did you know that many auto insurance companies will actually offer safety driving programs?  By enrolling your teen into one of these programs, you will not only be encouraging safe driving habits from your teen, but you will also be eligible for discounts on your auto insurance program as well.
4. Avoid Distracted Driving. Do not allow your teen to use his or her cell phone while driving a vehicle.  Also, talk to them about avoiding other distractions such as the radio or friends while in the car.
If you have any other questions or you would like to find out more about the eligible discounts your teenage driver may qualify for, please give our office a call.