Many things to be thankful for this month as Thanksgiving is just a
week away! Did you know.... 

• The Plymouth Pilgrims were the first to celebrate the Thanksgiving.
• The Pilgrims sailed across the Atlantic Ocean to reach North America.
• They sailed on the ship, which was known by the name of 'Mayflower'.
• They celebrated the first Thanksgiving Day at Plymouth, Massachusetts.
• The Wampanoag Indians were the people who taught the Pilgrims how to cultivate the land.
• The Pilgrim leader, Governor William Bradford, had organized the first Thanksgiving feast in 1621. He invited the neighboring Wampanoag Indians to the feast.
• The first Thanksgiving celebration lasted three days.
• Mashed potatoes, pumpkin pies, popcorn, milk, corn on the cob, and cranberries were not foods present on the first Thanksgiving's feast table.
• The pilgrims didn't use forks; they ate with spoons, knives, and their fingers.

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An Insurance Research Council Study done in the fall of 2012 showed that for the first time Colorado ranks among the top ten states with catastrophe-related claims. Floods, tornadoes, hail storms and wildfires have caused massive losses and claims for the last six years in Colorado. Many homeowners are unaware of what their homeowner's insurance covers or opt not to get extra coverage to cover their homes from natural disasters.

With the recent floods in Colorado, many homeowners were unaware that their homeowner's insurance did not cover floods and others decided to not include it on their policy since they thought it was not necessary. The average cost for adding flood coverage to a homeowner's policy is about $650 a year. FEMA spokesperson Jerry DeFelice recently said in an interview that statewide, only about 22,000 homeowners have flood insurance and with 2.2 million housing units in Colorado, that means that about 1 percent of the state's residences have flood coverage.

 Due to the numerous catastrophe-related claims, there was a desire to create legislation that addressed the problems created by the losses experienced in the state of Colorado. On May 10th, 2013, Governor Hickenlooper signed into law the Homeowners Insurance Reform Act of 2013.

 What Does the Homeowner's Reform Act Regulate?
HB-1225 requires insurers to provide mandatory policy updates every two years and mandates that policies be written in plain language. It also gives homeowners more time to make claims and gives the opportunity for increased living expenses.

Read this full article at: http://www.ltgc.com/marketing/topic?id=907