Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown
Rep. Carter Introduces Bill to Retroactively Restore Flood Insurance Coverage and Retain Current Rates for Policyholders Impacted by Republican Shutdown

WASHINGTON, D.C. – Today, Congressman Troy A. Carter, Sr. (D-LA) and Congressman Mike Ezell (R-MS), introduced H.R. 5848, theNFIP Retroactive Renewal and Reauthorization Act, legislation to backdate reauthorization of the National Flood Insurance Program (NFIP) to September 30, 2025, while extending the program’s authorization until…
Work to reduce fire insurance costs ongoing, advocates say
Work to reduce fire insurance costs ongoing, advocates say

Fire insurance is a huge pain point for foothills residents, who love their quiet mountain homes but are struggling with the cost to protect them from one of the area’s greatest threats. That frustration was evident among the nearly 200 people who came to Conifer…
Where We Stand: A Homeowners Insurance Bill of Rights
Where We Stand: A Homeowners Insurance Bill of Rights

The increasing frequency of extreme weather events, combined with the rising cost of repairs and building materials, has destabilized the home insurance market. Homeowners increasingly face skyrocketing premium prices, and many are losing coverage as insurance companies pull out of regional markets altogether. At the…
Calwood Fire ~ 5 Years Later
Calwood Fire ~ 5 Years Later

As we take a moment to mark the 5 year anniversary of the 2020 Cameron Peak, Calwood, Lefthand Canyon, and East Troublesome Fires, we take a look back at one wildfire survivor’s journey home.  Here is Kevin’s story, in his own words: “I have been…
Colorado Roadmap to Preparedness UPdate
Colorado Roadmap to Preparedness UPdate

We have been hard at work this year helping Colorado residents be adequately insured and wildfire prepared through our Roadmap to Preparedness program. Our most recent Colorado Shopping Help Webinar (watchable online) features up to date guidance from a panel of experts including the CO Division of Insurance,…
Marshall Fire Impact Report
Marshall Fire Impact Report

We are proud to share our Marshall Fire Impact Report. While there is no “end” to a recovery, there are many tangible signs that point to a healthy recovery in the greater Boulder area and UP is proud of our contribution to the process that…
Choosing the right homeowner’s insurance coverage
Choosing the right homeowner’s insurance coverage

When an emergency strikes and damages your home, knowing what’s covered in your homeowner’s insurance is essential in the recovery process. Homeowner’s insurance is crucial to owning a home, and recent changes in insurance costs and coverage might have homeowners wondering about their coverage. Homeowners…
Major energy provider hosts safety fair
Major energy provider hosts safety fair

On Saturday, April 26, 2025, at the Nederland Community Center, one of the largest energy providers to the Front Range, Xcel Energy, hosted the Peak to Peak Safety Fair. Up to 20 different non-profit organizations and commercial businesses participated, all serving in the realm of…
Colorado proposes FAIR Plan surcharge for home policyholders
Colorado proposes FAIR Plan surcharge for home policyholders

The Colorado Division of Insurance is considering regulation that would allow insurers to pass on their costs to support the state’s new FAIR Plan, homeowners insurance of last resort, to policyholders through a surcharge. Read more.
Colorado lawmakers propose insurance fees to tackle rising home coverage costs.
Colorado lawmakers propose insurance fees to tackle rising home coverage costs.

Colorado is in the middle of a growing problem with home insurance. Over the past several years, people living in the state have watched their insurance costs go up and their options shrink. Some homeowners have been dropped by their providers altogether. This has happened…
Plans take shape for Colorado’s FAIR Plan “last resort” home insurance
Plans take shape for Colorado’s FAIR Plan “last resort” home insurance

The Colorado FAIR Plan is the first public insurance program to operate in the United States in 40 years to sell property insurance policies to those who cannot find coverage on the open market. Read more
Insurance Insiders Say Regulation and Mitigation Can Keep the Industry from Retreating in Colorado
Insurance Insiders Say Regulation and Mitigation Can Keep the Industry from Retreating in Colorado

Underwriters aren’t pulling back from Colorado like they have in Florida and California, but industry workers say the state is at a tipping point. David Selden and his wife, Karen, recently moved into the country 10 miles outside of Steamboat Springs, Colorado, after living in…
$141 billion in Colorado property is at risk from wildfires. Here’s how that affects your homeowner insurance.
$141 billion in Colorado property is at risk from wildfires. Here’s how that affects your homeowner insurance.

More than 320,000 homes across Colorado valued at $141 billion are at risk of being destroyed by wildfires, according to a new report that influences how insurance companies set rates. Read more
As rates rise and coverage vanishes, Colorado Springs home insurance market reaches ‘tipping point’
As rates rise and coverage vanishes, Colorado Springs home insurance market reaches ‘tipping point’

If experience is the best teacher, then Leigh Candelas is an expert in protecting her own home from a catastrophic fire. A 2013 Black Forest fire survivor whose ranch-style house was damaged but not destroyed, she has in the intervening years made it a priority…
Home-insurance payouts are shrinking. Here’s how to prevent the worst.
Home-insurance payouts are shrinking. Here’s how to prevent the worst.

Thanks to inflation and climate change, homeowners are getting less money back from their insurers to repair and rebuild. With tornado season in full swing — hitting Texas and Iowa hard in the last week — and hurricane and wildfire season looming this summer, insurance…
Boulder County Marshall Fire Newsletter – May 17, 2024
Boulder County Marshall Fire Newsletter – May 17, 2024

United Policyholders 2024 home insurance survey – Read more
Aerial photos are leading to insurance non-renewals
Aerial photos are leading to insurance non-renewals

InsurTech may not be a buzz word at dinner parties, but it sure is in consumer advocate circles. Turns out, “disruptive” is not such a good thing for property owners and home values, especially with climate change in the mix. Today, insurance companies are using…
Insurers Report Rising Hail Damage Claims
Insurers Report Rising Hail Damage Claims

Inflation is driving up the cost of materials and labor to repair roofs and cars. Adding to insurers’ costs is increased development in areas affected by severe storms. Golf balls, tennis balls, softballs. All sound like the stuff of fun games — except when they…