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  • Through the Lens: Scramble Campbell is Red Rocks’ unofficial artist-in-residence

    Through the Lens: Scramble Campbell is Red Rocks’ unofficial artist-in-residence

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    Editor’s note: An untold number of unheralded artists live in Colorado, those creators who can’t (or don’t want to) get into galleries and rely on word of mouth, luck or social media to make a living. You’ve likely seen them on Instagram, at festivals or at small-town art fairs. This occasional series, Through the Lens, will introduce you to some of these artists.

    The last time you saw a concert at Red Rocks Amphitheatre, there’s a good chance that live-music artist Keith “Scramble” Campbell was there, painting a 3-by-4-foot abstract acrylic artwork of the very band you came to see.

    A fixture at the venue, Campbell has created more than 630 live paintings since his debut there in 2000, when he painted the band Widespread Panic. Immersed in the rhythm of the music, the artist moves with the beat, using his paintbrush like an instrument to capture the vibrant spirit and energy of the performance onto his canvas.

    Inspired from a young age by New York graffiti artists Keith Haring and Jean-Michel Basquiat, as well as the Spanish surrealist Salvador Dalí, he found his calling in emulating American speed painter Denny Dent, known for creating large-scale, 8-foot canvases of musicians in just 10 minutes, often at the Cherry Creek Arts Festival. Discovering live music painting, he says, transformed his life and solidified his path as an artist.

    “It seems easier to tell you which artists I haven’t painted versus the ones that I have,” he said recently. “I’ve painted over 1,000 live shows and 4,000 canvases in my career. It is a lifetime of going to shows all over the world. It isn’t just Red Rocks. If it’s live music, I will paint it.”

    Q: Where does your name come from?

    A: I was a speed roller skater in the 1970s and ’80s. I had a friend who called me Scramble because of the way I scrambled around the rink. Early on, I was heavily influenced by artists Andy Warhol, Bob Ross, LeRoy Neiman and Dalí. When I decided to make art my career, I felt like all of the influences from these artists were like an alphabet soup of names, a scramble of influences on me. I decided that Scramble would be a fitting name for me. (I also felt that it sounded a lot more creative than Keith and it rhymed with Campbell.)

    Q: Could you give us a brief history of how you became an artist?

    A: When I was in the seventh grade, I wanted to quit school because I knew I wanted to be an artist. My mother luckily convinced me it was wise to stay in school.

    In the late ’80s, New York City was deep in the rave culture and the graffiti scene with rising artists like Haring, Warhol and Basquiat.  They showed their work through nightclubs and public art. They were doing paintings on walls, in the subways and on the streets directly bringing art to the people. I was entranced by their work.

    In 1991, I answered an ad looking for a visual artist to paint live during a music festival. The man who placed the ad was Perry Farrell, of Jane’s Addiction. The music festival was Lollapalooza.

    When I got the job, it felt like the beginning of my career. I had had so many rejections over the years of trying to get into galleries and art shows. It was when I made the crossover from the art world into the music world that I really discovered my path as an artist.

    Live-music painter Keith “Scramble” Campbell looks through some of his archives in his studio at his home in Wheat Ridge on July 24, 2024. (Photo by Helen H. Richardson/The Denver Post)

    Throughout the ’90s, I did music festivals such as the New Orleans Jazz Festival, Lollapalooza, the HOARD festival, Bonnaroo, Woodstock ’94, the Lilith Fair and even the 1996 Summer Olympics in Atlanta. I have painted Widespread Panic 170 times.

    Q: What kind of artist are you?

    A: At heart, I am really a musician with a paintbrush. My instruments are my canvases, paintbrushes and paints.

    Acrylic paints are the medium of choice for live-music artist Keith “Scramble” Campbell. Here, he paints during a Tedeschi Trucks Band show at Red Rocks in Morrison on July 26, 2024. (Photo by Helen H. Richardson/The Denver Post)

    I like to think of myself as a conduit of music, transcribing their energy and their music into a dance on canvas.

    As a live artist, my paintings reflect the concert. I let the music and the environment dictate how I paint. If it’s windy and the music is hardcore, my paintings will reflect that. I’ll paint fast and furiously, the work looking abstract and impressionistic. I dance and move with the music as I paint. If there is a slower song in between, that is the time I take to fill in the details. The musicians, the weather, the people all play a role in the painting I create. I am trying to tell a story of that night. If it rains or is windy, I add that in my paintings. If there is a rainbow I will put that in there.  I am capturing the entire night into one canvas.

    Q: What kind of music do you like to paint to, and do you specifically stay within a specific genre?

    A: I don’t stick to any one genre. I have painted over 1,000 different bands and 4,000 canvases that include jam bands like Widespread Panic and Leftover Salmon to up-and-coming Christian rock bands. Next month, I’ll be painting King Gizzard and the Lizard Wizard, an Australian rock band. I’ve had the opportunity to paint jazz legends Fats Domino, B.B. King, Chuck Berry, Little Richard and Jerry Lee Lewis. I’ve painted Pete Seeger, Bob Dylan, Prince and other legends like Diana Ross, Melissa Etheridge, Carlos Santana, Blues Traveler, Lady Gaga with Tony Bennett, Johnny Winter and Tom Petty.

    It seems easier to tell you which artists I haven’t painted versus the ones that I have.

    Live music artist Keith “Scramble” Campbell, right, gets inundated with requests for selfies with fans while he paints during a recent Tedeschi Trucks Band show at Red Rocks in Morrison on July 26, 2024. (Photo by Helen H. Richardson/The Denver Post)

    Q: How did you end up becoming what seems like the artist-in-residence at Red Rocks?

    A: After a show in Florida, Todd Nance, the drummer for Widespread Panic, traded a summer tour pass for a painting I had done of the band. I ended up at my first Red Rocks show where the band played in June 2000. It was love at first sight when I did that show.

    Since then, I have done over 630 paintings at Red Rocks. I buy my own tickets and pay for every single concert that I go to. Red Rocks does not pay me to be there but they do allow me the space in which to paint.

    Live music artist Keith “Scramble” Campbell starts painting Margo Price, the warm-up act to Tedeschi Trucks Band at Red Rocks in Morrison on July 26, 2024. (Photo by Helen H. Richardson/The Denver Post)

    Q: Do you remember the first piece of art you ever got paid for?

    A: It was 1987 at one of my first group shows at a shopping mall where I sold a drawing of Joey Ramone. It was a studio piece before I was a live-music artist. I guess I have always been a music artist. even from the start.

    Live music artist Keith “Scramble” Campbell paints musician Margo Price, the warm-up act to Tedeschi Trucks Band, as she performs at Red Rocks in Morrison on July 26, 2024. (Photo by Helen H. Richardson/The Denver Post)

    Q: Where can we see your art?

    A: On my website (scramblecampbell.com), but I invite people to come see me live at Row 23 at Red Rocks. I also have small paintings, postcards, magnets and other items for sale at the Red Rocks Trading Post.

    Q: Do you have a favorite art piece?

    A: I did a painting of Lou Reed in 1998 in Bethel, N.Y., on the original Woodstock grounds for the 29th anniversary of the original Woodstock. I got to talk to him and meet him afterwards and he signed the back of my painting. There are also paintings I’ve done of legendary musicians, like B.B. King and Fats Domino, who have since died. All of these paintings I love and will never sell.

    Q: What memorable responses have you had to your work?

    A: I showed David Crosby a painting I had just done of him and he said, “Not bad for speed painting.” Another time when I showed my painting to James Brown, he said, “Son, I’d like to thank you for coming out and painting my portrait.” He signed the entire back of the painting and said “I feel good. James Brown.”

    Live music artist Keith “Scramble” Campbell paints during the Tedeschi Trucks Band performance at Red Rocks in Morrison on July 26, 2024. (Photo by Helen H. Richardson/The Denver Post)
    Live music artist Keith “Scramble” Campbell paints during the Tedeschi Trucks Band show at Red Rocks in Morrison on July 26, 2024. (Photo by Helen H. Richardson/The Denver Post)

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    Helen H. Richardson

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  • In 25th year of Special Olympic/Paralympic races at CHSAA state track, events are “one of the greatest things we do here”

    In 25th year of Special Olympic/Paralympic races at CHSAA state track, events are “one of the greatest things we do here”

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    LAKEWOOD — Lochlan Walker was still winded and hunched over from his 100-meter dash when his mom, Paige, mobbed him with the news of his personal record time of 12.48 seconds.

    They smiled simultaneously and shared a moment they won’t soon forget as Walker, a Fairview High School senior, notched the fastest time for a Special Olympic/Paralympic athlete on Thursday afternoon at the 2024 CHSAA state track and field meet at Jeffco Stadium.

    About an hour later, Walker also recorded the best Special Olympic/Paralympic time in the 200 meters, at 25.92. Those marks made him the fastest disabled athlete in the state, but more importantly, offered proof that his differences don’t matter out on the track.

    Fairview’s Lochlan Walker wins his heat during the Geoffrey Zaragoza Paralympic and Special Olympic 100m dash at the 2024 Track & Field State Championships at Jeffco Stadium in Lakewood, Colorado on May 16, 2024. (Photo by RJ Sangosti/The Denver Post)

    “The Fairview team has been so accepting of Lochlan. It’s been a whole lot of ‘you can do this’ since his sophomore year,” an emotional Paige Walker said. “There has been no difference in the way his teammates treat him. It’s not, ‘That’s Lochlan and he runs Unified.’ It’s, ‘That’s Lochlan and he’s on our team.’

    “For him, that’s been really good to not feel different. And for me, it’s not just my excitement for what he’s doing, but the excitement of kids who have (historically) been pushed to the side to get on this stage and do this. They get to run. You can talk about inclusivity all you want, but talking about it and seeing it are two different things.”

    CHSAA has run a Special Olympic/Paralympic 100-meter dash since 2000, according to CHSAA track commissioner Jenn Roberts-Uhlig. In recent years, the organization added other sprint events as well as field events (long jump, shot put, discus). What began with one heat in the 100-meter dash in 2000 has since expanded to 17 heats across the 100 and 200 meters this year.

    The events remain exhibitions, with any Special Olympic/Paralympic athlete eligible to compete, even without a qualifying time/distance.

    But on Thursday, that unofficial status made no difference to Walker, an 18-year-old with autism and a receptive speech delay whose ultimate goal is to compete in the Special Olympics World Games.

    “People say that I am the fastest (Special Olympian) in the state, and yes, I am,” a grinning Lochlan said after winning the 100. “I’m hoping to get into Special Olympics soon, so I can be great at this sport for many years. My mom and I just need to figure out how to do that. But the past three years, the coolest part is being able to see my friends during track, supporting them, seeing them support me.”

    CHSAA’s 100-meter dash for disabled athletes is officially named for Geoffrey Zaragoza, an Alamosa student who dealt with developmental disorders. Geoffrey was the son of renowned local track/cross country coach Larry Zaragoza, who spent 45 years coaching and won 11 state titles across the two sports.

    After Geoffrey died from the effects of an enlarged heart in 2003, then-CHSAA track and field commissioner Rhonda Blanford-Green renamed the Special Olympic/Paralympic 100-meter dash after him in 2004. Geoffrey was a manager for the Mean Moose, and was known for his infectious energy around the track.

    Jenna Taylor said Geoffrey’s legacy lives on through the 100-meter dash and continues to prove that those with disabilities “might be different, but they’re not less.” Taylor was Zaragoza’s classmate at Alamosa. She went on to found a non-profit in Austin, Texas, called Independent Identity, a day program center for adults with autism and intellectual and developmental disabilities that was born out of Geoffrey’s memory.

    “Not only do people with disabilities find value in being included and treated like a person, I think everyone else gets a lot of value from being around people with special needs or disabilities,” Taylor said. “They bring a different outlook and positivity, so the community needs to learn how to interact with someone with autism, how to interact with someone with an intellectual disability.

    While most of the competitors in the Special Olympic/Paralympic events embedded within the CHSAA state track program are students with intellectual disabilities, there is also a handful of Paralympic athletes. Currently, Special Olympians (also referred to as Unified athletes or adaptive athletes) compete alongside Paralympic athletes, who have physical impairments but not intellectual disabilities.

    For the Paralympic athletes, at least one runner on Thursday pined for a para-specific competition at the state meet.

    Banning Lewis Academy's Jason Dunnock runs in the Geoffrey Zaragoza Paralympic and Special Olympic 100m dash during the 2024 Track & Field State Championships at Jeffco Stadium in Lakewood, Colorado on May 16, 2024. (Photo by RJ Sangosti/The Denver Post)
    Banning Lewis Academy’s Jason Dunnock runs in the Geoffrey Zaragoza Paralympic and Special Olympic 100m dash during the 2024 Track & Field State Championships at Jeffco Stadium in Lakewood, Colorado on May 16, 2024. (Photo by RJ Sangosti/The Denver Post)

    “I wish it was more physical disabilities I was racing against,” said Banning Lewis Academy senior Jason Dunnock, who blew away his heat in the 100 meters alongside Special Olympics athletes and was the fastest Para athlete in the event at 14.53 seconds. “I want to run against other Para athletes and see what I can do.”

    Dunnock has fanconi anemia, a rare inherited disease characterized by physical abnormalities, bone marrow failure, and a higher-than-normal risk of sickness. He had to receive a bone marrow transplant as part of his treatment, and has learned to adapt to living with abnormal arms and hands.

    For athletes such as Dunnock, John Register also argues the Paralympic races should be standalone, with official times and classifications as determined by the International Paralympic Committee.

    Register, who has served as one of the announcers at state track for the past six years, was a three-time All-American at Arkansas who lost his left leg following an accident while training for the hurdles for the 1996 Olympic Games. After that, he became a two-time Paralympian who made the 1996 Games as a swimmer and then won a silver medal in long jump at the 2000 Games.

    “I do want people to understand the difference between the two,” Register said. “Somebody might stop a race in the Special Olympics and help someone across the finish line — that ain’t happening in Paralympic sport.”

    Roberts-Uhlig called the Special Olympics/Paralympics events “one of the greatest things we do here at state track,” and the rousing reaction from the grandstands during the 100- and 200-meter races backed up that sentiment.

    Nick Dixon, the Unified coach for Gateway, said “the smiles at the finish line are always the most rewarding.” Dixon, who is also a paraprofessional at Gateway, wants to see opportunities for his Special Olympics/Paralympics athletes increase in coming years.

    “I would like to see this sport sanctioned like Unified bowling is,” Dixon said. “I would like track sanctioned, basketball, everything our Unified athletes do be sanctioned by CHSAA. That’s the next step.”

    Roberts-Uhlig says that’s an “ongoing conversation with all Unified sports” at the CHSAA level. Unified bowling was sanctioned in 2019, and several districts have Unified/Special Olympic track meets in some form.

    In the meantime, athletes like Walker and Dunnock continue to embody the spirit of inclusion that’s been the case for the last 25 state track meets that have featured Special Olympic/Paralympic events.

    “We get into this narrative of the overcoming story, when in actuality, we’re just allowing (disabled athletes) to do what everyone else wants to do,” Register said. “Like all high school students, they’re just trying to find themselves, and this makes it just a little bit easier.”

    Fairview's Lochlan Walker, right, win his heat during the Geoffrey Zaragoza Paralympic and Special Olympic 100m dash at the 2024 CHSAA State Track and Field Championships at Jeffco Stadium in Lakewood, Colorado on May 16, 2024. (Photo by RJ Sangosti/The Denver Post)
    Fairview’s Lochlan Walker, right, win his heat during the Geoffrey Zaragoza Paralympic and Special Olympic 100m dash at the 2024 CHSAA State Track and Field Championships at Jeffco Stadium in Lakewood, Colorado on May 16, 2024. (Photo by RJ Sangosti/The Denver Post)

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    Kyle Newman

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  • Skyrocketing home insurance rates, loss of coverage roil Colorado’s strained housing market

    Skyrocketing home insurance rates, loss of coverage roil Colorado’s strained housing market

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    Coloradans looking to buy homes or simply hold onto their property face a barrage of challenges: a white-hot real estate market, high interest rates and soaring property taxes. You can add surging home insurance rates to the pile of problems eroding the landscape of affordable housing options.

    Colorado homeowners are reporting premium increases ranging from roughly 30% to more than 130% in just the past few years. People are getting the bad news that their policies won’t be renewed. Some insurance companies are deciding not to write new policies to cut their risks.

    And condo owners are getting hit with special assessments and higher dues because premiums are skyrocketing for homeowners associations. The groups must often resort to non-standard carriers, which typically charge sky-high rates for lesser coverage.

    “We truly have the hardest market that we’ve seen in a generation for property insurance,” said Carole Walker, executive director of the trade organization Rocky Mountain Insurance Information Association.

    Colorado’s not alone. Inflation, higher home costs and the rising number and severity of natural disasters and wildfires are pushing up insurance costs. The average premium rate increase nationwide in 2023 was 11.3%, according to S&P Global Market Intelligence.

    But Colorado’s recent increases stand out. The state was one of three with the biggest cumulative change in rates 2018-2023. Colorado logged a 57.9% jump, just behind Texas at 59.9%. Arizona saw a 52.9% increase.

    A convergence of factors is driving the run-up in costs, Walker said. Higher inflation is one of those. “You have everything that insurance pays for going up in cost.”

    Building materials are more expensive. Labor costs are up and labor shortages create delays and add to the expense. Walker said insurance-related lawsuits also help push up premiums.

    An even larger force is the fallout from increasingly costly wildfires, hail storms and other disasters. Insurance companies doing business in Colorado reported the fourth-highest losses in the country for five years, according to data compiled for a 2023 report by the Colorado Division of Insurance. 

    “I hate to say it, but we all likely need to adjust to higher premiums over the long term,” Walker said.

    The effects of the mounting risks are being felt by a lesser known, but crucial link in the chain that connects to homeowners: the reinsurance market. Reinsurers are typically large, global companies that provide insurance to insurance companies to help spread the risk.

    “The international impact of climate change, of increasing climate disasters, the severity of those disasters is causing reinsurers to consider their risk, reduce their exposure or increase their premiums,” said Vince Plymell, spokesman for the insurance division.

    As a result, the effects of hurricanes and earthquakes in other parts of the country or world can eventually show up in a Colorado homeowner’s insurance bill, said Jason Lapham, the state’s deputy commissioner for property and casualty insurance.

    Closer to home are the growing risks of wildfire and hail storms. Colorado is second in the nation for hail-damage claims and second only to California for the number of homes at risk from wildfires. Colorado hasn’t seen the kind of wide scale refusal of companies to write new policies that California has, but Lapham said there is a trend of some companies not re-upping policies in areas prone to wildfires or other disasters or taking “a pause” on new clients.

    “It doesn’t mean they’re leaving the state entirely, but for those people who are affected, the effect is the same,” Lapham said.

    State officials don’t have a lot of insight into the modeling used by companies to decide which areas are too risky to insure, Lapham said. “We’re focused on getting a better understanding and creating transparency, not just for us but also for policy holders.”

    Levi Ware, project manager from Red Hawk Roofing company from Denver, takes pictures of a roof damaged by large hail and a tornado along Chesapeake Street in Highlands Ranch on June 23, 2023. A rare tornado hit the Highlands Ranch area Thursday afternoon causing damage to roofs and uprooting large trees. (Photo by Andy Cross/The Denver Post)

    What’s worse than rising premiums?

    There were plenty of insurance options for Bryan Watts and his wife when they bought a house in Guffey in Park County, west of Cripple Creek. The premium was about $2,000 in 2019 and rose gradually to $2,522 for the 2023-2024 policy year.

    “Things changed dramatically in August 2023 when we received a notice of non-renewal at the policy maturity of June 2024,” Watts said. “I called them and was told it was simply due to wildfire risk.”

    Watts tried to reason with the company, saying he had done a lot of work to reduce threats from wildfire. He offered to send pictures of his home or show an inspector around his property. But the insurer told him that it wasn’t going to cover homes in his zip code.

    “I thought, ‘Well, no big deal. I’ll just move to another carrier,’” Watts said. “I had no idea how bad it had gotten just in the last year or two.”

    A broker Watts worked with found only nonstandard insurers willing to cover his home. The insurers might take on customers that more traditional companies consider too risky, but the coverage comes at a high price. In Watts’ case, the quote was for nearly $35,000.

    After making calls on his own, Watts found one of the big-name companies willing to write a policy for $4,800. A hang-up for companies that turned him down was that the nearest fire station is about 16 miles from his home. “They’re looking for substations that are 10 miles or closer,” Watts said.

    Like a lot of people, Watts has a mortgage on his house, which means he needs to carry insurance. “There are going to be very few people who are able to live out here without a mortgage,” he said.

    Escalating home insurance premiums and companies scaling back coverage are creating angst in the real estate industry. Brian Tanner, vice president of public policy for the Colorado Association of Realtors, said agents are seeing properties lose coverage or unable to find insurance.

    “All of this together is incredibly problematic for a market that we already know is strained. We need more available units,” Tanner said. “If we have existing residences that cannot secure insurance, that is absolutely a market disruptor.”

    Real estate agents are scrambling to help clients to find coverage, Tanner said. He is concerned about rising rates on people on fixed incomes.

    The state is creating an insurer of last resort, officially called the Fair Access to Insurance Requirements, which will be paid for by assessments on the insurance industry. But it won’t be up and running until 2025 and applicants must have been turned down by at least three carriers.

    Walker said the goal is to relieve pressure on the standard carriers by shifting some of the high risks, which the industry hopes will stabilize the market.

    “Everybody I talk to is talking about the property insurance issue,” said Sarah Thorsteinson, CEO of the Altitude Realtors association, which includes Summit and Routt counties.

    Real estate agents working in mountain communities started looking at the effect of wildfire risks on home insurance rates around 2012. That’s when the association started education and fire-mitigation programs for members and the public to head off possible mandates it worried could increase costs for buyers and sellers.

    Thorsteinson represents property owners as a non-voting member of the Colorado Fire Commission. She said the association’s biggest concern with rising insurance premiums is housing affordability.

    The ongoing struggle by homeowners associations, HOAs, to secure insurance has grown tougher, Thorsteinson said. She has heard of HOA dues doubling and tripling for condo owners in her area after insurance premiums shot up.

    “We’ve seen increases of 100% or more for HOA policies,” said Lapham with the state insurance division.

    Even before the recent rate increases, it was common for HOAs to have to seek providers in the non-standard market, also called the surplus lines market. “My guess is that it’s more common now than it has been simply because of the tightening of the market generally,” Lapham said.

    Many of the more well-known insurers have gotten out of the condo business, Walker said, leaving the nonstandard carriers, whose policies are more expensive and have higher deductibles.

    The more traditional insurers exited in part because of fears around construction-related lawsuits by HOAs. A 2017 law that requires a majority of homeowners to approve pursuing a lawsuit rather than just the HOA board has done little to coax insurers to write policies for condo buildings.

    In some cases, HOA boards, trying to avoid raising dues, have put off infrastructure improvements and maintenance, making insurers nervous about the liabilities, Walker said.

    The insurance division offers a toolkit for questions about home and HOA insurance.

    The Hiland Hills Townhomes HOA was able to line up a new insurer in 2023, but had to budget for a 30% increase in premiums. Dues went up from $336 a month to $460 per unit.

    “The coverage decreased overall. This year we’re budgeting for another 15% increase,” said Dmitry Gall, the HOA board president at the Denver complex.

    The HOA was able to shuffle some items in the policy to hold down the increase. Gall said the association is cutting back in other areas to help pay the premium.

    The HOA where Jon Christianson has a rental unit saw its insurance premium leap from the $167,000 budgeted last year to nearly $607,000. His fees doubled, “with a special assessment coming,” he said.

    A letter from the HOA board that Christianson shared with The Denver Post said the previous insurance carrier got out of the Colorado market. Several companies declined to offer bids on a new policy because of the height and age of the three buildings in the complex and the fire suppression system.

    Then the insurance for Christianson’s primary residence rose by 40%.

    “I’ve never filed a claim. I’ve been with same insurance company for five years,” Christianson said. “This is becoming unsustainable.”

    Carole Walker, the Executive Director of the Rocky Mountain Insurance Association, stands for a photo outside the residential building where she lives in Denver on May 7, 2024. (Photo by RJ Sangosti/The Denver Post)
    Carole Walker, the Executive Director of the Rocky Mountain Insurance Association, stands for a photo outside the residential building where she lives in Denver on May 7, 2024. (Photo by RJ Sangosti/The Denver Post)

    A marathon, not a sprint

    The Marshall fire, which killed two people and destroyed 1,084 homes and businesses, receives a lot of the blame for Colorado’s escalating home insurance rates. The Dec. 30, 2021, wildfire raged through Louisville, Superior and parts of unincorporated Boulder County, leaving more than $2 billion in property damage in its wake.

    Walker said although the Marshall fire was a devastating event, the reasons for rising rates are more complex. For instance, more people are moving into areas along the Front Range that frequently get battered by hail. Walker said Colorado’s most expensive hail storm hit in May 2017, wreaking $2.7 billion in damage in today’s dollars.

    But for Alan McDaniel, who has an insurance agency in Castle Rock, the threat of wildfire is the primary obstacle when looking for ways to get a handle on rising insurance costs.

    “I’m lucky enough that the carrier I mostly use, Farmers Insurance, isn’t not renewing policies, but others are,” McDaniel said.

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    Judith Kohler

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