- High wind
- Hail
- Extreme cold
- Frozen pipes
- Wildfire smoke
Housing mix: historic downtown homes, university-area rentals, West Laramie and rural acreage.
High, cold and windy
Laramie sits in the Laramie Basin between the Laramie Range and the Snowy Range, home to the University of Wyoming. Winters are long and very cold, which makes frozen pipes a regular claim, and the wind along the I-80 corridor west of town is notorious. Summer storms bring hail off the mountains, and smoke from fires in the Medicine Bow and northern Colorado can settle in the basin for days.
Older homes and rentals
Laramie’s historic downtown and the neighborhoods around the university include late-1800s and early-1900s homes with brick, stone and wood details, many converted to rentals. West Laramie, the subdivisions toward the edges of town and rural acreage on the basin add newer ranches and manufactured homes. Landlords and property managers here face recurring water and hail claims, and they need estimates that account for older construction.
Claims we see in Albany County
- Frozen and burst pipes in older homes and vacant rentals between semesters.
- Hail damage to roofs, siding and windows on houses and apartment buildings.
- Wind damage to roofs and fences in exposed areas around the basin.
- Smoke and ash cleaning claims after nearby wildfires.
- Snow and freeze damage to cabins in the Snowy Range and around Centennial.
Services available in Laramie
Every Wyoming Insurance Appraiser service is available to property owners in Laramie and the rest of Albany County:
- Appraisal Clause Representation
- Homeowner Claim Appraisal
- Commercial, HOA & Multifamily
- Roof & Hail Claim Appraisal
- Wind & Tornado Claim Appraisal
- Water & Burst Pipe Claim Appraisal
- Fire & Smoke Claim Appraisal
- Wildfire, Ember & Smoke Appraisal
- Snow Load & Ice Dam Appraisal
- Insurance Estimate Review
- Umpire Services
Questions from Laramie property owners
I own rentals near the university. Do you work with landlords?
Yes. We work with individual landlords and property managers, and we coordinate access around tenants.
What about my cabin in the Snowy Range?
We inspect mountain properties when access allows. Winter losses are documented as soon as roads open, with photos you take in the meantime.
