Forestry Consulting Insurance | Get A Free Business Insurance Quote

Forestry Consulting Programforestry-consulting-insurance

Forestry Consultants are University Educated Professionals, providing services to both public lands and private owners. Program guidelines do require the applicant to have a forestry degree.

Services May Include:

  • Timber Cruising
  • Timber Inventory
  • Boundary Lines
  • Forest Management Plans
  • Growth Studies
  • Wildlife Management
  • Timber Sales
  • Reforestation
  • Property Inspections
  • Controlled or Prescribed Burning
  • Pesticide and Herbicide Application
  • Surveying
  • and more.

Our Business Owners Policies Go Above And Beyond The Industry Standard

We pride ourselves with our company’s insurance products. We know our policies have comprehensive coverage which most insurance policies do not have.  Take a look a break down of coverage’s we offer.

  • General Liability
  • Building
  • Business Property
  • Workman’s Compensation
  • Commercial Auto Insurance
  • and more!

Endorsements Available:

  • Hired and Non-Owned Auto Liability
  • Watercraft Liability Endorsement
  • Appraisal Errors & Omissions

For more details on our Business Owners Policies, Please Click Here.

Our Companies Claims Process Is Excellent

We only write insurance with companies that have an excellent claims process. A claim can be complicated, but our companies will treat you fair and keep the process as simple as possible.

Personalized Service

Our agency is family based and understands insurance. You will work one-one-one with an experienced agent who will find a policy that best fits your business needs. We believe in “good old-fashioned customer service”.

Get A Free Business Insurance Quote

Please contact us during normal business hours at 1-888-270-0995. Or use our quick form and we will contact you right away. You will work with a licensed experienced agent, who will work with you, to get a free competitive quote.

Why An Evacuation Plan & Being Prepared Is So Importortant

As an insurance agent for the past five years, I have been through experiences and have seen a lot of things that have made me more wise.   My job has been to insure people against the unforseen. To help them protect their families, lives, wealth, assets and property.  I see things a lot differently these days since starting my agency. Being an insurance agent has taught me a lot about risk management. I’ve  also learned a great deal outside of my work too. This has all changed my perspective in life over the years.

On September 11th, 2001, our world in the United States was turned upside down. We were attacked by terrorist in ways never even seen before. Tragically about 3,000 people were lost their lives.   Some lost lives  by jumping out of the towers, because they couldn’t escape.  Everyone’s security bubble was popped, and people woke up to see the times we live in to be crazy.   People were scared and I’ll admit, so was I.  At this point no one was truly “safe” any more. No one truly understood what had happened but it did  pull a lot people back into reality. It made us realize how delicate modern-day society can be, and just how precious life is.  This event created a lot of questions for myself over the past years.  It did for a lot of people.  It made me think deep and hard.  It made me draw the conclusion:   always be prepared for anything, and always keep a positive attitude for the best.

This past year in Colorado alone, we have seen hundreds of homes damaged or completely destroyed by wildfires. Lives were lost.  Colorado has been extremely dry in 2012, and this has sparked a condition for wildfires to break out. This occurred throughout the entire state. Then it happened. Wildfires broke out all over the place at different times of the year. They included, the Little Sand Fire, The Treasure Fire, Weber, Waldo and Flagstaff,  Lower North Fork, The High Park, Springer, Woodland, Last Chance, Ironing Board and Pine Ridge.  These wildfires have easily exceeded over $500,000,000 in damage and lives were lost.

The Waldo Canyon Fire that occurred in Colorado Springs was, in my opinion, almost unbelievable. Colorado Springs is just about an hour south of Denver. Colorado Springs is a small city. According to a 2010 Census, over 400,000 people live in the city. Metro Colorado Springs  includes around 650,000 people. They have small skyscrapers, and the city is wealthy. 

This modern, wealthy city faced wild-fire perils on the west side of the town that were unthinkable t starting  from June 23rd until the end of August. This was the quote “suppose to never happen”. Even though the west side of Colorado Springs is close to the Rocky Mountains and is in wild-fire area, the thought of the Waldo Canyon Fire getting that big and moving that far into a modern city, was truly “unthinkable”. Even with all the modern-day fire equipment, people, planes and tactics, the fire at times was quote “almost unstoppable”.

These are just two events in modern history, where “hell” literally broke out and caused havoc. Once caused by man, the other by nature. Most people were unprepared. They were to complacent. They also had the attitude of “it’ll never happen to me”. I know it’s extremely hard to prepare for a plane crashing into a skyscraper, and the same could be said about a wildfire literally breaking out in the middle of a city. But I believe situational awareness, planning, mindset and other factors can go a long way.

What happens when a fire fighter knocks on your door and says, “you have 10 minutes to leave”?. What if it’s not even a wildfire threatening your life, but something else. What if it is a terrorist attack? What about a flood? What if there is civil break down and unrest and there is no rule of law? There are many scenarios. And if you are one of those “it will never happen” people, look to the past. History will prove my point.

Everyone should have a plan. Unfortunately not many people do. Your plan needs to include all possible aspects and possibilities. Wildfires, floods, tornadoes, earthquakes, civil unrest and disorder and any other possibilities which are unique to your situation and geographic area need to be considered.   For example,  if you live off the beach in California, you probably won’t have to worry about sitting out a week-long winter in your house. But you would have to worry about earthquakes.

Here are some of my tips on creating a plan. This also comes from more that just my experience in insurance.

  1. You need to scout and brainstorm all scenarios of all possibilities in your area. For example If you are in a flood area, your plan should be based off not just one,  but many possibilities.
  2. Build your plan. The plan should include all family members, no matter where you  are at.(work, school, etc) Have a meeting point A, B, C and etc. This will let you reunite with family, especially if one of the family members gets mixed up in all the havoc.
  3. Include your family, friends, neighbors and whoever else you can trust in you plan.
  4. Have bug out bags. If you need to get out in 5 minutes, you have to be out in 5 minutes! Everyone should have a bug out bag in the family. For more info on bug out bags, Google it! There is a ton of info out there on them.
  5. Be ready to possibly bug in. If you have civil unrest and there is no rule of law, don’t go far from Dodge!  Best thing is to turn into a ghost.
  6. Be prepared with supplies! If you’re not, and if there is an emergency, grocery shelves will be empty. Just google about empty grocery shelves on you tube during Katrina. There are plenty of peppers on you tube that can give you good advice. I am not saying to have 5 years worth of food, but a good back up supply won’t hurt. Don’t forget other things, such as extra fuel, propane, candles, medicine, communication, maps and etc.
  7. Be able to protect you and your family. Yes, have some sort of defense plan. As we all know the gun is a great equalizer. I personally think a Gun is your best defense. If you don’t like guns, have something else! When thugs are looting your neighbor and every single cop is busy in the city, the only law left is between you and the thugs. When they get to your house, you don’t want you or your family to be victims.
  8. Have locations B and C as bug out locations. Maybe the city has become unsafe and now its time to get out of Dodge. You, family and friends all need to know these locations. It wouldn’t  hurt to have location D. This can be very important for reuniting later on.
  9. There are many more tips out there for being prepared and having a plan. In my opinion, there is no such thing as doing something wrong. A lot of it is personal preference. Go out and do more research. Find what is best for you.

So all in all, be prepared and have a plan! Don’t forget the 5 basic needs of survival. Water, Food, Shelter, Fire(heat) and Security. The last position you want to be in are like the unprepared people from Hurricane Katrina in 2005. No water, no food, no nothing. You wouldn’t also want to end up in the New Orleans Super Dome of lawlessness.  You never know what might be around the next corner or what lies in the future. Don’t be a “it’ll never happen to me” person. Because when the Calvary can’t come rescue you, it’ll be just you and your family, friends and neighbors. The best thing is always to be prepared for the worst and hope for the best.

Waldo And High Park Fire Have Resulted In Nearly $450 Million Dollars In Losses

According to RMIIA, this wildfire season has been the most destructive in Colorado history. After major droughts through out Colorado, dry conditions caused 2 major wild fires to break out. So far the High Park & Waldo Cannon fire have cost nearly $450 million in losses and counting. This is all after the Lower North Fork fire, which burned 47 homes and killed two people. 2012 has by far been the worst year for insurance companies in Colorado. Not only have the wild fires contributed to major insurance losses, but hail, wind and flooding hasn’t helped either.  Alone this year, they have added up to about $322 million in losses.

So what does this all mean for your home insurance renewal coming in the mail with in the next year? Insurance companies are most likely going to have to pass on the nearly $800 million loss to consumers. A lot of companies are also looking at or already have gone to a mandatory %1 wind and hail deductible. We are also seeing a lot of companies making in mandatory, to have both your auto and home insurance bundled with them. They will no longer accept “mono-line” home insurance policies. This is also the same for “landlord” policies as well.

We are on a “bumpy ride” with property insurance rates and conditions for at least the next 3 years. Could even be longer. I personally think this is going to change how insurance works for a long time in Colorado. Not only have we had huge losses from wild fires, hail, wind and etc., other factors have and will contribute to high insurance rates in Colorado. Previous losses from 2009 and 2011 haven’t helped. Insurance companies have and still have to deal with a bad economy. This ultimately leads to poor return on investment for insurance companies. Insurance fraud spikes during bad economies. Also people who haven fallen of the books, due to losing their homes during the recession, doesn’t help neither

All in all, I hate to be bad news bears, but home insurance rates are going up again, in Colorado. This going to effect people across the board, including people who haven’t filed a claim in their life. Consumers can try to keep their insurance rates by shopping around. In this process, please consider us. We are independent insurance agents that represent multiple companies. We can also help out people who are going to be non-renwed due to losses.

Thanks for reading.

Mark A. Schneider- (Owner/Partner/Agent)

Wildfire Season Has Sprung Early In Colorado

Wildfire season has begun early in Colorado. With one of the most dry winters in a long time, Colorado is extremely dry. The wildfire that started earlier this week in Jefferson County, has already claimed 2 lives and destroyed 23 homes.  The fire originally started as a controlled burn, until the wind picked up starting an uncontrollable blaze. In some reports, the fire was moving faster than a speeding car.

What Do I Do If My Home Is At Risk?

  1. Always listen to the local authorities.
  2. Make sure all family members are always accounted for at all times.
  3. Always be prepared. Have a “bug out vehicle(s)” ready. This way you can leave with in seconds. Have everything already packed ready to go. This can include important documents(including insurance info), family memorabilia, important computers and pictures. Most of all make sure you have enough food and water for 7 days. If not longer.
  4. Make sure everyone is the household has a “bug out” bag ready. This usually includes clothes, supplies, food and etc.
  5. Have communication ready for every family member. Cell phones can lose coverage. I recommend CB radios due to range. If not the walkie-talkies at your local retail store is better than nothing. Make sure to get the ones with the furthest range possible.
  6. Make sure to have a first aid kit with you. The more money you spend on one, the better.
  7. Make sure you have a final location(bug out) everyone knows about and can meet up at. This is in a case if you lose family member(s).
  8. Always make sure that non-immediate family knows your okay if you have to evacuate, or if something happens.
  9. Have an emergency weather radio.

From an insurance stand point, such things as making sure you have enough coverage should always be done before the fact. This can serve as a reminder to people in risk areas around the state to be prepared.

Can A House Or Apartment Fire, Damage A Foundation?

Concrete is used  in many parts of a home or building. This includes the foundation, barriers, support beams and other structures. Concrete is also used as a fireproofing, due to its low thermal conductivity. In a substantial fire, concrete can weaken and sometimes must be replaced. This is the reason why insurance companies account for a foundation, when insuring a building or dwelling.

Facts of Concrete Being Exposed To Fire

Up to 300 °C(572F),  the concrete undergoes regular thermal expansion. Above that temperature, shrinkage occurs due to loss of water. Aggregate continues expanding, which causes internal stress. Up to about 500 °C, the major structural changes are carbonation and coarsening of pores. At 573 °C(1063F), quartz undergoes rapid expansion due to Phase transition, and at 900 °C(1652F) calcite starts to shrink due to decomposition. At 450-550 °C(842 to 1022F) the cement hydrate decomposes, producing calcium oxide. Calcium carbonate decomposes at about 600 °C(1112F). Rehydration of  calcium oxide on the dropping temperture of the concrete causes expansion. This can cause damage to the concrete which sustained the fire without falling apart. Concrete that has experienced a fire and left standing for several years shows extensive degree of carbonation and deteriation.

The Temperture of a house or apartment fire.

  • A House or Apartment Fire can exceed 1100F is 3 1/2 minutes.
  • The Heat from a fire can spread to any room. These temperatures can reach over 300F without an active fire in that room.

Overall if concrete of any sort is exposed long enough to fire, it could cause little or even a lot of damage. This can be a concern, due to the fact that the foundation supports the dwelling or building and supports a lot of wait. A Structural  or Civil engineer can determine if a foundation is safe or not.


Negligent Fire Works On 4th July Fires Up Millions In Property Damage And Bodily Injury Each Year

Independence Day is one of my most favorite days of the year. We celebrate our great Country. We get together with friends and family, enjoy that out doors and bar-b-que. We enjoy the All Star GAme on TV, and sit back relax and drink beer. But there is one thing we all forget. The fact that millions of dollars of property damage and bodily injury occurs each year due to fire works.

According Rocky Mountain Insurance Information , In 2009, fireworks started an estimated 18,000 reported fires, including 1,300 structure fires, 400 car fires, and 16,300 outside and other fires. These fires resulted in one death, 30 injuries and $38 million in property damage (National Fire Protection Association latest data).

On the 4th of July, there are more reported fires then any other day. This makes it difficult for fire and police departments, to respond to emergencies.

Our advice at Denvers Insurance Agency and The Ahbe Group is to leave it up to the professional’s. Keep in mind that the most commonly injured person from fire works, are young children, usually from a sparkler. Sparklers can burn up to 1200 degrees.

Our advice for the fourth of July is to be safe, and leave the fireworks to the pros. Here is a list in Colorado of upcoming fire work displays for 2011, courtesy, The Denver Channel.