Check Out Our Advertisers!
     None  Accounting/Bookkeeping
     None  Advertising
     None  Alterations
     None  Attorney - Lawyer
     None  Auto
     None  Automotive Dealerships
     None  Aviation
     None  Banks and Credit Unions
     None  Barns and Steel Buildings
     None  Blacksmith
     None  Campground
     None  Carpet Cleaning
     None  Catering
     None  Chamber of Commerce
     None  Child Care
     None  Chiropractic Care
     None  Churches
     None  Computer Services
     None  Dentist
     None  Dry Cleaning
     None  Dryer Vent Cleaning & Repair
     None  Drywall
     None  Electric utility
     None  Electrician
     None  Equine Services
     None  Equipment Rental
     None  Excavating
     None  Eye Care
     None  Feed Stores
     None  Field Mowing
     None  Financial Services
     None  Firearms
     None  Firewood
     None  Flooring
     None  Florist
     None  Funeral Home
     None  Garage Doors
     None  Golf Courses
     None  Hair/Nail Care and Cosmetics
     None  Health Care Facilities and Services
     None  Health Care
     None  Heating and Cooling
     None  Home Inspector
     None  Home Maintenance
     None  House Cleaning
     None  Insurance
     None  Internet Service
     None  Jewelry
     None  Landscaping
     None  Lawn Care
     None  Mortgage
     None  Movers
     None  Paving/Asphalt
     None  Pet Grooming
     None  Pet Sitter
     None  Pet Training
     None  Photography
     None  Plumbing
     None  Portable Buildings
     None  Propane Delivery
     None  Propane
     None  Real Estate Services
     None  Restaurants
     None  Roofing
     None  Schools
     None  Senior Citizens Services
     None  Sewing - lessons, supplies
     None  Sheds, Outbuildings
     None  Shipping Services
     None  Small Engine Repair
     None  Specialty/Gifts
     None  Storage
     None  Tax Preparation
     None  Tires
     None  Tractor, Trailer and RV Sales
     None  Trash Service
     None  Veterinarian
     None  Window Replacement
     None  Windshield Repair

And they who for their country die shall fill an honored grave, for glory lights the soldier's tomb, and beauty weeps the brave.
– Joseph Drake  
Contact Us | Advertise | Classified Ad | News Stands | Subscribe  

  Volume No. 14 Issue No. 5 May 2017  

None Adopt Me   None Black Forest News   None Book Review   None Business Briefs  
None Community Calendar   None Did You Know?   None FFPD Column   None FFPD News  
None Face to Face   None Finance   None From the Publisher   None Health and Wellness  
None Looking Back   None Marks Meanderings   None Monkey Business   None News From D 49  
None Perspectives   None Pet Care   None Phun Photos   None Rumors  
Front Page   |   Feature Stories   |   Search This Issue   |   Log In
Front Page Photo
Top photos by Angela Morlan; bottom left photo by Richard Acevedo; bottom right photo by Amy Fleming Rowe
Check out the advertisers
Easter egg hunts
Looking Back (historical perspectives)
Book Review: “Split Second”
Face to Face: Doran Gotschall
FFPD and Black Forest News
D 49 news
And more

Searching for ...

Inspiring hats

Life decisions

Another way


New career ideas
  D 49 grief counseling support
  Staff report

  Dr. Kim Boyd is the lead psychologist for Falcon School District 49. She took time to answer questions about how the district deals with loss. D 49 has a team of responders, comprised of school psychologists, school social workers and counselors.
  “We provide a debriefing and psycho-educational model of support. We talk to the students and staff about the grief response,” Boyd said. “We validate their grief response and symptoms and discuss with them things to monitor that may need intervention … sleep issues, appetite suppression, depression symptoms, anxiety issues.” 
  The responders keep a log of all the students they see, and they work with parents, informing them that their child has been seen for counseling. School counselors follow up with the students as well.
  “Students are typically more receptive to counseling than the staff,” Boyd said. “Often, we have groups of students that will come to grief counseling together … routine often provides comfort and stability. I always tell students and staff, ‘You don't have to chase the grief, it will find you.’”
  Boyd said staff is not as responsive to school counselors, especially in an “open format.” She said catching staff in the hallway or lounge and having a one-on-one conversation is easier. The staff is often afraid to show their feelings to students.
  “We try to help them realize it is OK for the students to see them be upset,” Boyd said. “We offer employee assistance programs for all of our staff … and try to provide them with psycho-educational information about the grief cycle.”
Facebook print this page      
  Get to know flood insurance
  By Lindsey Harrison

  Colorado’s weather is getting warmer. Instead of snow, storms will bring rain and an increased risk for floods and flash floods. According to the Insurance Information Institute’s website, 12 percent of American homeowners had flood insurance policies in 2016, which is down from the 14 percent that had policies in 2015. About 10 percent of Colorado homeowners have flood insurance policies.
  Matt Inama, an agent with State Farm Insurance in Black Forest, said it is no surprise that so few people have flood insurance policies in the state. “There are probably only a few places where you really need to get flood insurance,” he said.
  According to, the legal definition of a flood is “a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow.”
  Inama said it is important to understand that regular homeowners’ insurance policies do not include flood insurance. “Flood insurance only comes from FEMA (Federal Emergency Management Agency),” he said. “Some insurance companies can write the policies, but they are all insured through the federal program.”
  That program is the National Flood Insurance Program, created in 1968. According to its website, “The NFIP is self-supporting for the average historical loss year. This means that unless there is a widespread disaster, operating expenses and flood insurance claims are financed through premiums collected.”
  The premiums can be costly; and, if a person’s home is not required to have flood insurance (determined by the flood risk zone where it is located), most people opt out of the coverage, Inama said.
  Problems arise when homeowners do not understand what their regular homeowner’s insurance covers, he said. “When people do not take a little bit of time to understand what they have, it can be really bad,” Inama said. “For example, if your water heater is old and starts leaking, there is no coverage in your homeowner’s policy for an old appliance, or due to mechanical failure. For the most part, appliances are not covered under homeowner’s insurance.” Homeowner’s insurance will likely not cover the cost to replace items damaged by the water from an appliance like a water heater, dishwasher or washing machine, he said.
  Some companies, like American Home Shield, provide insurance for appliances through home warranties. According to the AHS website, “A home warranty is a service contract that covers the repair or replacement of important home system components and appliances that break down over time.”
  Inama said he recommends getting insurance through a company that uses local agents because they can guide people through the process of deciding whether to file a claim. Without a personal agent, homeowners can call their insurance company with a question about filing a claim, but the company will often automatically open up a claim, regardless of whether the homeowner actually wants to file a claim.
  “You might end up calling a 1-800 number to ask questions; and, a lot of the time, if you make that call, you could end up having a claim opened up against you, even if it is not a claim-worthy situation,” Inama said. “That can be bad for them (homeowners) and even make them uninsurable down the road.”
  People get insurance for a reason, which is to cover them in the event of a costly home repair situation, like the hail storm that hit the Colorado Springs area in July 2016, he said. But if the repair is not claim-worthy or will cost less to repair than the price of the policy’s deductible, Inama said it might be better not to make the claim and just pay for the repairs.
  Every homeowner’s policy includes a declaration page that indicates what is covered and the rules related to the coverage, he said. “Sometimes, it just takes time to sit down and read through the policy correctly to understand the type of coverage you have and need,” Inama said.
Facebook print this page      

  © 2004-2017 The New Falcon Herald. All rights reserved. . About | Contact | Advertise | News Stands | Privacy Policy