Novella Real Estate

09/24/2026

Our agent’s latest RateMyAgent review in Denver
(CO) FA.040023635
https://rma.reviews/gmoywr1kp9by
..

09/17/2026

09/13/2026

09/13/2026

Honored to Walk & Roll to cure FSHD today at Phillip S. Miller park. Supporting Holly Duckworth, all of those affected by FSHD and their families.
Facioscapulohumeral muscular dystrophy, or FSHD, is a genetic disorder that leads to the weakening of skeletal muscles.
The Colorado chapter is 5th in the nation in funds raised and 2nd in participation! Way to go Colorado society!!!!

https://www.fshdsociety.org/event/colorado-walk-roll-to-cure-fshd-2026/

09/11/2026

09/09/2026

Shopping for a home in the Colorado foothills or mountain communities? Don't let insurance derail your closing.
When buying in Colorado’s Wildland-Urban Interface (WUI), securing home insurance has shifted from a simple line item to one of the biggest potential deal-breakers in a real estate transaction.
Many buyers assume that if a home is structurally sound and appraised at value, insurance will be a breeze. But insurers use complex, carrier-specific wildfire scoring models that evaluate everything from regional slope to localized brush density.
Before you sign a contract or lock in earnest money, keep these factors in mind:
🔹 Standard vs. Alternative Markets: If traditional insurers decline the property, you may need to look at specialty surplus lines or the Colorado FAIR Plan (the state's insurer of last resort). 🔹 Check the Percentage Deductibles: Wildfire claims often carry percentage-based deductibles instead of standard dollar amounts. A 2% to 5% deductible on a $600,000 policy means paying $12,000 to $30,000 out of pocket in a loss. 🔹 Know Your Rights Under HB25-1182: Starting July 1, 2026, Colorado law requires insurers to disclose your wildfire risk score, explain where you fall on their risk scale, and offer recognition for property and community mitigation steps you've taken.
The Golden Rule for WUI Buyers: Make home insurance an early priority during your due diligence process—not a last-minute errand the week of closing.
Read our complete breakdown of Colorado WUI insurance rules, coverage options, and key buyer questions on the blog! ⬇️
https://zurl.co/uOkTE

Buying a home in Colorado’s Wildland-Urban Interface (WUI)? Learn how wildfire risk scores, new state insurance laws (HB25-1182), percentage deductibles, and mitigation steps affect your ability to secure coverage before closing.

09/03/2026

Happy Birthday to Lisa Arteseros!

09/02/2026

Great insights on Colorado housing this week at Novella! 🏡✨

We sat down with Ted Leighty, CEO of the Home Builders Association of Colorado & Metro Denver, to break down the legislative policy directly shaping Colorado’s housing market and homeownership opportunities.

Quick Takeaways:

📜 Policy = Inventory: Local housing laws directly impact home availability and price tags.

🔑 Protecting Homeownership: Staying active in real estate legislation helps keep the dream of owning property accessible.

🤝 Get Involved: Real change happens when industry leaders and community members advocate for smart housing solutions.

How are you staying involved in your local real estate community? Drop your thoughts below! 👇

08/31/2026

Are you comparing homeowners insurance quotes based on annual premiums alone? That lower monthly rate might be hiding a massive financial trap after the next Denver hail storm. 🌩️

Most Colorado policies now write wind and hail deductibles as a percentage of your total dwelling coverage (Coverage A) rather than a flat dollar amount.

Here is what that looks like on a $600,000 home limit:
• Flat Deductible: $2,500 out-of-pocket
• 1% Wind/Hail Deductible: $6,000 out-of-pocket
• 2% Wind/Hail Deductible: $12,000 out-of-pocket
• 5% Wind/Hail Deductible: $30,000 out-of-pocket

Two quotes with identical coverages can leave you with a $27,500 difference in what you owe when damage occurs.

Before you bind or renew your policy, ask your carrier these critical questions:

Is my roof covered under Replacement Cost Value (RCV) or Actual Cash Value (ACV)?

What is my exact wind/hail deductible written out in DOLLARS?

What specific dollar discount do I receive for a Class 4 resilient roof?

A strong roof only helps your wallet if you can prove what was installed and your insurer credits it in writing.

Read our complete guide to managing Metro Denver hail risk and download our Buyer's Roof File Checklist here:https://zurl.co/pSSDk

08/30/2026

Happy Birthday to Teresa Rowe!