Archive for the ‘Insurance’ Category

Flood Prevention

floodHome floods happened more often than people realize. Many documents that are kept in the basement end up getting destroyed because of flooding. The best prevention is to keep important documents in a safe deposit box. Here are some tips to keep your house from flooding:

Exterior of Your Home:

Ensure the ground slopes away from your home on all sides including patios and driveways.

If grade cannot easily be altered, consider installing swales, berms or drains on the upslope side of your home that will capture and divert surface and ground water away from your foundation.

Annually clean and inspect gutters and downspouts and ensure downspouts extend at least 6 feet away from the foundation, preferably onto a splash pad.

Ensure basement window wells and doors have watertight seals and that window wells remain clear of debris and leaf litter that could block drains.

Look for cracks in your foundation wall and have a contractor professionally seal or repair any that might allow moisture to penetrate in to your basement.

If you are in an area with a high water table consider flood-proofing your basement by sealing the exterior surface or installing footing drains.

Interior of Your Home:

Install, maintain and service sump pumps annually & ensure all pump discharges are clear and downslope from the home. Having multiple pumps is preferable to relying on a single pump.

Consider a back-up power supply such as a battery back-up or generator, so your pump will continue to operate during power outages commonly associated with severe weather events.

Consider installing a high water alarm on your sump pump that will notify you and your alarm company if the pump fails to keep pace with rising water, before it reaches finished surfaces.

Elevate all valuable contents in your basement above the floor level.


  • 1 in 3 homes built in the US has a basement (National Association of Home Builders).
  • 60% of Basements are wet – American Society of Home Inspectors.
  • In the past 5 years, all 50 states have experienced floods or flash floods (
  • Total Flood insurance claims averaged nearly $4BN/Year between 2003-2012 (
  • Just a few inches of water inside a home can cause tens of thousands of dollars in losses.
  • Causes of basement flooding commonly include: fast melting snow; heavy rainfall and severe or prolonged storms.
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What is a Notary?

Notary stampA Notary Public is an official of integrity appointed by state government —typically by the secretary of state — to serve the public as an impartial witness in performing a variety of official fraud-deterrent acts related to the signing of important documents. These official acts are called notarizations, or notarial acts. Notaries are publicly commissioned as “ministerial” officials, meaning that they are expected to follow written rules without the exercise of significant personal discretion, as would otherwise be the case with a “judicial” official.

A Notary’s duty is to screen the signers of important documents — such as property deeds, wills and powers of attorney — for their true identity, their willingness to sign without duress or intimidation, and their awareness of the contents of the document or transaction. Some notarizations also require the Notary to put the signer under an oath, declaring under penalty of perjury that the information contained in a document is true and correct.

Impartiality is the foundation of the Notary’s public trust. They are duty-bound not to act in situations where they have a personal interest. The public trusts that the Notary’s screening tasks have not been corrupted by self-interest. And impartiality dictates that a Notary never refuse to serve a person due to race, nationality, religion, politics, sexual orientation or status as a non-customer.

As official representatives of the state, Notaries Public certify the proper execution of many of the life-changing documents of private citizens — whether those diverse transactions convey real estate, grant powers of attorney, establish a prenuptial agreement, or perform the multitude of other activities that enable our civil society to function.

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Shred Your Docs!!!

Colorado Vault & Safe Deposit Box Co

Community Shred Day

Saturday – March 23rd, 2013

9am to Noon



Red Rocks Credit Union

9332 Dorchester St.

Highlands Ranch, Colorado 80129

(in the Highlands Ranch Town Center next to Qdoba and The Egg & I)


Bayaud Enterprises, Inc.

Document Shredding

($10.00 for to 5 Boxes)

 Non-Profit that benefits from donations – Women’s Crisis Center

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Are Your Valuables Safe?

We invite you to stop by and visit us to learn more about how we can help you.

8226 S Holly St, Centennial, CO 80122 Map

Call us at (720) 879-7134

Business Hours
Weekdays: 9AM - 6PM
Saturday: 9AM - 2PM
Sunday: By Appointment
24 Hour access available by appointment.

Co-Founder Frank Robinson

Frank Robinson graduated from Boise State University with a degree in Business Administration, emphasis in Human Resources. He also has a Master of Arts in Organization Management from the University of Phoenix. Frank played professional football for the Denver Broncos and Jacksonville Jaguars for 3 years. Learn More...

Co-Founder Stewart Gallagher

Stewart Gallagher graduated from Colorado State University with a Major in Political Science and minors in both Economics and Philosophy.  Over the past 12 years Stewart has worked for 3 major financial intuitions holding various positions from teller to Assistant Vice President-Branch Manager. Learn More...