Blog

Pros to a 4 Season Sunroom

Sunrooms are a great addition to the home. You might be thinking that we are crazy for mentioning it during winter. We automatically assume that it is for regions that are much warmer year-round. This isn’t necessarily the case though. Here at 4th DC we can construct the perfect sunroom for you and your family. The best part of it all though is that it is designed for all 4 seasons. Here are some of the pros to having a 4-season sunroom.

Most sunrooms are built for 3 seasons which is great when you live in a place that only really has 3 seasons. The major difference between the two is that one is built with heating and cooling capabilities and the other isn’t. With this factor in mind you’re able to better use the room as you would any other part of the house. There is no need to have to board up the room come a cold winter or a hot summer. Often it becomes the favorite room in the house because it’s always the perfect temperature and you get to watch the wildlife or the kiddos if they happen to be playing outside. This way you can still get things done around the house that you need to.

Even with heating and cooling to the room it is still a good idea to get energy efficient windows. You might like the sound of getting to use your sunroom all year round but not like the price it takes to heat and cool it. Such windows will help to keep the cost down and the amount of time that you have to turn on the heating or AC in the room. Although it might cost more initially it certainly works out in the end when you see how much you are saving every month. So, make sure that you count the coast from the beginning and look at the ways you can save in the long run.

When thinking about a sunroom we take into consideration what you’re looking for when it comes to the vision you have for your home. 4th Dimension Concepts makes the transition feel easy and natural when constructing a part of your home into a beautiful sunroom. Call us today to have a free evaluation! We would love to discuss the look that you want and the type of sunroom that will help bring your home to life!

1-8-2019

Colorado Second Highest for Hail Damage

4th Dimension Concepts is your professional roofing company to help out with all the repairs you may need over the years. Being an up and coming Colorado company we pride ourselves in having built our roots in commitment, loyalty and hard work. Come every spring in Colorado there is a rush of storms that brings hail, allowing us to show each client that our company is motivated by our cherished relationship with each homeowner. If you haven’t been affected by it yet, then you seem to have hit the sweet spot this year. Whether it is this year, next year, or in a few years to comes Colorado weather has a way of covering the entire state. We are here to help when the weather goes south whether its this year or in the years to come.

Colorado: Target for Hail Damage

The May 2016 National Insurance Crime Bureau ForeCAST Report named Colorado as the second leading state for hail damage claims in the country from 2013 to 2015. With over 182,000 claims, Colorado was superseded by Texas which experienced over 394,000 hail claims. During this period, the top 10 states received 66 percent of all hail claims across the US.

Insurance Policies and Hail Claims

Personal property homeowners policies were most impacted by claims during the years 2013-2015. Clients filed over 50 percent more claims on their residential properties than on their personal automobiles, the objects of the next most affected policies. Clients also filed claims on other policies: Personal Property - Farm, Commercial Multi-Peril, and Personal Property - Fire.

Spike in Storm Activity and Losses

In recent years, the country has suffered blows from intensifying hail, wind, and tornado storms that are impacting an increasing number of regions across the nation. While researchers haggle over the causes of these catastrophic events, the aftermath is indisputable -- widespread damage, injury, and loss of life. The property damage may range from only a shattered window to complete annihilation of structures.

The NOAA’s Severe Storms database tracked over 5,600 major hail storms in 2016, with most of them -- over 1,500 -- occurring in May of that year. Over the past five years, wind and hail damage claims added up to about four out of 10 insured losses nationwide with an average of about $15 billion per year and increasing annually. The nation’s heaviest insured loss event occurred in 2014 with an onslaught of major hailstorms over five days in May that hit across Colorado all the way to Pennsylvania. This cost $2.9 billion in insured losses.

Colorado's Hail Pattern

The period between the middle of April and the middle of September is marked as Colorado’s ruinous hail season. Colorado’s Front Range, the easternmost area of the Southern Rocky Mountains, is in the notorious “Hail Alley” which sees the more hail than anywhere else in North America and most of the planet. Residents can usually expect to encounter three or four catastrophic-level hail storms(causing a minimum of $25 million in insured damages) throughout each year. Over the last decade, Colorado hailstorms have resulted in over $3 billion in insured damage.
Consequently, up to 50 percent of your homeowners insurance premium may be allocated toward covering costs of hail and wind damage expenses. Most auto insurance companies provide for hail damage with comprehensive coverage. Although comprehensive insurance is not required, insurers strongly recommend it for clients who live in an area prone to hail.

Colorado's Most Expensive Hailstorms

Eight of Colorado’s ten most devastating hailstorms impacted the Denver Metro area. It is no wonder as this area has the densest concentration of property in Colorado. Colorado’s worst hailstorm wreaked havoc in 1990 causing over $1 billion in damage (adjusted for inflation).

1-8-2019