A recent Denver Post article ranks Colorado among the top 10 states with the highest share of homeowners insurance claims paid out due to catastrophes. What does this mean for individual homeowners and associations? Coloradans can expect to see higher annual insurance premiums, which already have Colorado homeowners paying above the national average. Any type of individual property damage can be devastating, but when dealing with a natural disaster that affects an entire community, you’re facing a whole new level of chaos. Does your community have a disaster plan in place? What do community associations need to do to prepare themselves for a natural disaster? You can’t predict the impact it will have on your community, but having a plan in place is one of the best things you can do to help your residents and community.