Ask An Expert

My insurance company, Country Financial, is covering my ALE until the end of 2023, two years to the date of the Marshall fire. I stayed with a friend the first 6 weeks, and was paid $1500 towards that first 6 week period, which I gave…

Our home was destroyed in the Marshall Fire and we have decided to purchase a new build in a new subdivision. We sent the contract to our insurer USAA which clearly shows the total price we are paying and breaks out the amount for the…

We are rebuilding our home lost in the Marshall Fire. We are framing our home now and received a notice of nonrenewal for our homeowner’s policy due to “unacceptable risk.” I’ve contacted our insurer and the DOI, but feel pressure to shop for homeowner’s insurance…

It appears that our Homeowner’s insurance company (Chubb) is preparing to renege on a verbally approved claim. Can you recommend a lawyer?

I will be moving back to my rebuilt home in Superior Co after the Marshall Fire. My State Farm adjuster told me today that the moving expenses will come out of my Category B (Personal Property) bucket. It seems to me that it should be…

I had smoke damage only in the Marshall Fire. Insurance paid for the cleaning which of course is less than the cost basis of the house. Insurance also paid to replace mattresses. As I understand it due to the DR classification for the Marshall fire,…

We lost our home in the Marshall Fire and are working with a builder to rebuild. We have heard that our insurance company is treating other policyholders differently than they are treating us, specifically with regards to extending ALE from 12 months to 24 months,…

I just filed a storm claim in July of 2022 with my insurance company. They put the date of loss as June of 2020. My contractor has been working since then but with labor and material shortages he has just now completed all the work.…

We lost our home in the Marshall fire and are having challenges with our law and ordinance items being funded. The codes that we need to build to are the 2021IECC codes and our insurance is saying that these costs should not exceed $50k. However,…

Our adjuster has let us know via letter that they feel our process of designing our home has been ‘delayed’ due to the fact that we are modifying the floor plan from that of our home that was lost in the Marshall Fire. The floorplan…

We lost our home in the Marshall Wildland Fire and have USAA insurance. We are underinsured on our dwelling by $1,000,000. Rebuild cost is $1.6M and we were insured for a total of $588,000. We are also underinsured on our personal property coverage. Actual personal…

Our house was smoke damaged from the Marshall Fire and State Farm is saying that the upholstered furniture, rugs, and clothes can all be cleaned. They have replaced all the mattresses and bedding. Do you know of any policy statements or data indicating such contents…

We plan to determine a replacement cost value (RCV) for our personal property inventory items that include the price of the item, the shipping cost, and tax. When determining the actual cash value (ACV) from the RCV, it is our understanding that tax should not…

Is there a regulatory entity that makes pricing fair between contractors and insurance adjusters?

I seem to recall there being a new law in Colorado providing Marshall Fire victims two years to file personal property claims. On the contrary … my AllState adjuster just told me that I have one year from the 12/30/21 Marshall Fire to file all…