Joe Adams

Katy and I are thankful for so many things: our family, two new grandbabies, State Farm, and YOU! We are blessed to have a thriving small business and with the leading insurance company in the country!

Hot Topics:

1. New treatment of undisclosed drivers; if we don't know about them, they are NOT covered. If you are not sure, check with us.

2. GREAT NEWS! State Farm announced a big Auto DECREASE starting in January! This is great news for Colorado!

3. Excess Liability (umbrella) coverage is getting hard to come by. For various reasons this line has been, and is becoming, more and more expensive. If you have assets, this is the coverage that protects them. Call us to review yours today.

As always, you can report a claim by calling 1-800-SF CLAIM, OR by logging into the website, OR by texting "CLAIM" to 78836. Remember to CALL US to discuss your situation before submitting your claim.

Joe's Tip 1: Always, always, always, replace your roof with our approved IMPACT RESISTIVE ROOF (IRR) product. We give a GREAT BIG discount for the right products in most zip codes along the front range. And even if we didn't, an IRR will subject you to fewer and less costly losses. There may be a day when building codes and HOA's require an IRR. Talk to your qualified roofer, or better, talk to us and we can give you some suggestions.

GOOD TO KNOW: Drive Safe and Save rewards you for being a better driver, and it works; DSS currently SAVES an average of 17% in CO over the standard legacy rating system. We are different in that 1) our program is OPTIONAL, and 2) our program is only a DISCOUNT meaning your cost will ALWAYS be lower than what it would be in the legacy system. Most carriers use the occasional mishap to INCREASE your cost. In addition, we only record 2 months of data during the renewal. We are looking for ways to save you money!

On a personal note, I am a third generation State Farm Agent with 38 years of experience. My Team believes in staying on top of industry news and trends to help you navigate risks and plan for the future. We are committed to advanced studies in insurance and financial services so we can be a knowledgeable resource for you.

I have a lovely wife of 38 years, five children, and two grandsons. I have been a youth football and basketball coach, Board Member for the Colorado Prevention Center, and chairman of the CPC Foundation. I also count as an honor my service as a Board Member for the Society of Financial Services Professionals.

Whether your needs involve insurance for your Car, Home, Life, Health, small business or ancillary lines like Pet insurance, Errors and Omissions, EPLI, or financial services, my team and I look forward to working with you.

Joe