Please Take our Marshall Fire 6 Month Insurance and Recovery Survey
|GRANTS AND LOANS AVAILABLE TO COLORADO WILDFIRE VICTIMS. Governor Polis has signed a bill to provide financial relief to wildfire survivors like those affected by the Marshall Fire. The Disaster Resilience Rebuilding Program (DRR) aims to help close gaps from other funds offered for the rebuilding of owner-occupied homes affected by natural disasters across the state. Applicants may apply for grants and loans up to $50,000 depending on different qualifying factors. DRR hopes to support rebuilding safer, energy efficient structures that can better withstand any future natural disasters. The program will provide funds for fire resistant building materials to better protect communities in the future. Please visit the Boulder County Recovery Navigators site and the Disaster Resilience Rebuilding site to find all of the details regarding qualifications, determining factors, applicable fund uses, and required information. The application and eligibility information will be available in August or early September 2022.|
Recovery Navigators available for those impacted by the Marshall Fire.
Residents impacted by the Marshall Fire and straight-line wind events of Dec. 30, 2021, are invited to begin meeting with Recovery Navigators starting Monday, July 25. This free service, offered through the Navigating Disaster for Boulder County program, will offer short-and long-term support, either in-person or virtual, to help residents navigate the recovery and rebuilding process. Click here to learn more.
The Marshall Fire has affected many Boulder County residents, leading Governor Polis to declare a state of emergency.
Through our Roadmap to Recovery® program you can access free, trustworthy help navigating the process of returning to a wildfire damaged area, repairing and replacing damaged and destroyed property, and collecting all available insurance funds.
If your property is damaged or destroyed, our guidance will help you get started on the road to recovery, make good decisions and keep moving forward. United Policyholders is non-profit and has expertise based on nearly three decades of assisting in communities hit by wildfires. Our staff, disaster veteran and professional volunteers and our partnerships with public, private and non-profit agencies and organizations will help lighten your load. We’re rooting for you and here to help. No strings attached.
We encourage you to take advantage of wildfire recovery help that is available through the Colorado Division of Insurance. They have issued comprehensive guidance for those impacted by the fires – click here to access those resources. You can find updates from the Colorado Division of Insurance at the bottom of this page.
United Policyholders’ yellow recovery books are available locally at the
Superior Chamber of Commerce at 124 E. Coal Creek Drive, Superior, CO 80027.As of Friday, June 10, households that registered at the Marshall Fire Disaster Assistance Center (DAC) can access a recovery navigation service. Learn more about this program here.
The following are selected items from the extensive library of resources we offer. Through our Roadmap to Recovery® program you can access tips, tools and the straight scoop on insurance, clean up, contractors, lawyers, adjusters, avoiding rip-offs and mistakes, your legal rights and emotional support from people who genuinely care about helping you navigate successfully.
SIGN UP HERE to receive information and alerts from United Policyholders. NOTE: United Policyholders respects and protects the privacy of all who communicate with our organization. We do not share or sell our mailing lists.
Eyes tired from reading? Watch our FIRST STEPS AFTER A WILDFIRE video here.
Taking it in and Getting Started
We urge all disaster survivors to register with FEMA. If you have insurance, you will likely receive an initial denial letter. This is part of the process and you can appeal. You may need these finds if you find out you are underinsured.
FEATURED VIDEOSResources General
- First Steps After a Wildfire
- Primeros Pasos Despues de un Incendio Forestal
- Top 10 Insurance Claim Tips
- Speak UP: How to communicate with your insurance company
- Sample Letter Requesting Complete Copy of Homeowners Policy
- Guest Blog: First Steps for Recovering
- Mobile/Manufactured Home Insurance Claim Tips
- Consejos para reclamos de seguros para casas móviles / fabricadas
- Simplified Guide to Your Homeowners Policy
- Insurance Lingo en Español
- Register with FEMA (if/when declared)
Arranging Temporary Housing
TIP: If you lost your home in the wildfire, when you file your insurance claim, be sure to ask for a cash advance to help you get situated. Be sure to ask for it in writing (email counts).
Available Properties / Apartment Locators:Resources General
Getting Organized, Informed and Empowered
- Insurance Consumer Rights in Colorado (2021)
- Colorado Homeowners Insurance Reform Act of 2013
- Frequently Asked Questions About Property Damage Insurance Claims in Colorado
- Speak UP: How to communicate with your insurance company
- Organizing Carrier-Specific Disaster Survivor Groups
- Insurance Accounting Spreadsheet
- Survivors Speak: Forced Choice Matrix for Decision-making
- Renters Insurance Claim Tips
- Consejos Para Reclamaciones De Arrendatarios
- HOAs and Homeowners' Insurance - Policyholder Guidance
Getting Debris Removed
JUNE 2022 UPDATE: Owners of Marshall Fire-destroyed properties can still participate in the coordinated debris removal program. If you know you’d like take part in the debris removal program, please complete a Right of Entry form (www.boco.org/marshall-roe) by July 15 so the operations team can start preliminary eligibility work.
Beginning Friday, Jan. 14, crews contracted by Boulder County will begin clearing roadways of damaged and destroyed vehicles and trailers, trees, and other debris that are blocking access to properties in burn areas. To learn more about the debris removal program, please click here.
For more information about debris removal, please review the Marshall Fire Debris Removal Program Frequently Asked Questions (FAQs) and Boulder County Debris Removal Program Update pages.
In response to requests from residents, Boulder County crews will continue curbside collection of wind- and fire-damaged items from homes that were not destroyed by the Marshall Fire. This effort is expected to extend to April 2. Curbside collection is not available for commercial properties. NOTE: Debris will not be collected during this phase from homes destroyed by the Marshall Fire. Here is more information about this program.Resources General
Being Pro-active in Documenting and Valuing Your Losses
Partial Losses/Standing Homes:
If your home was spared but was exposed to extreme heat and smoke, we offer specialized guidance on partial loss insurance claim issues related to proper cleaning, inspecting for damage, restoring healthy indoor air quality and repairing obvious as well as hidden damage.
FEATURED VIDEOS:Resources General
- Insurance Recovery Tips for the Dwelling Part of Your Claim
- The Scoop on “Scope” (of loss)
- Guidelines For Reviewing Adjusters’ And Contractors’ Estimates
- Xactimate Demystified
- Building Code, Ordinance or Law Compliance
- Survivors Speak: Getting an Insurer to Pay Penalty Interest (Colorado)
- Survivors Speak: Estimating Your Loss
- Mobile/Manufactured Home Insurance Claim Tips
- Sample Letters and Claim Documents
Creating Your Home Inventory and Navigating Your Contents Claim
- Navigating Your Dwelling Claim
- Strategies for Completing Your Home Inventory – Contents Intensive (recorded for 2020 wildfire survivors)
Making Housing and Financial Decisions
The Disaster Resilience Rebuilding Program (DRR) aims to help close gaps from other funds offered for the rebuilding of owner-occupied homes affected by natural disasters across the state. Applicants may apply for grants and loans up to $50,000 depending on different qualifying factors. DRR hopes to support rebuilding safer, energy efficient structures that can better withstand any future natural disasters. The program will provide funds for fire resistant building materials to better protect communities in the future. For more information, visit the Boulder County website and the Disaster Resilience Rebuilding site. The application and list will be available in August or early September 2022.
Visit Boulder County’s RebuildingBetter.org website to access resources and events for rebuilders and information about permitting and construction requirements.
FEATURED VIDEOS (RECORDED FOR 2020 WILDFIRE SURVIVORS):Resources General
- Underinsurance 101
- Survivors Speak: Coping With Underinsurance
- Tax Information for Disaster Survivors
- Updating your home insurance after a loss...Staying protected without wasting money
- Buy or Rebuild? FAQs on replacing a dwelling after a total loss
- What to Do With Checks from Your Insurance Company
- For Colorado wildfire victims, IRS extends 2021 tax-filing deadline, other deadlines to May 16
- Fannie Mae disaster recovery help for homeowners and renters impacted by Colorado fires
- Determining Property Values after the Marshall Fire
- New $10,000 incentive for Marshall Fire rebuilds (grants will provide $10,000 for high efficiency electric homes or long-term rental units).
- Choosing a Contractor
Working with Your Mortgage Company
Your mortgage company cannot require you pay off your loan with your insurance proceeds, but they will typically be listed on the insurance payments along with you. Fannie Mae’s Disaster Response Network™ can help eligible homeowners navigate the broader financial impacts of disaster and the challenging recovery process with a team of HUD-approved housing counselors offering:
- A needs assessment and personalized recovery plan
- Help requesting financial relief from FEMA, insurance, mortgage servicers, and other sources
- Web resources and ongoing guidance from experienced disaster relief advisors
Homeowners can call 877-833-1746 to access the Disaster Response Network or other available resources.
Visit Fannie Mae’s KnowYourOptions.com consumer website for housing resources, including details on disaster relief. Homeowners can visit www.knowyouroptions.com/relief to learn more and find out if they have a Fannie Mae-owned mortgage and access to the full benefits of their Disaster Response Network.Resources General
Getting help if/when you need it
Note: In the event of a catastrophic disaster, like the one declared in the Boulder County fires, public adjusters cannot charge any payment, commission, or fee more than 10% of the insurance proceeds or settlement. Public adjusters cannot require, demand, or accept any fee, retainer, compensation, deposit, or other thing of value prior to the settlement of the claim. (Colorado Revised Statutes Title 10. Insurance § 10-2-417)Resources General
Taking Care of Yourself Along the Way
Mental Health Virtual Town Halls
Jewish Family Services (JFS), the Town of Superior, Boulder County, and the City of Louisville are presenting two community-wide Disaster Stress online events for anyone impacted by the Marshall Fire. A panel of local experts will share information on recognizing signs of acute stress, supporting loved ones, accessing free services, and practicing self-care.
Questions should be submitted during the registration process.
Each event will be 45 minutes. Live interpretation will be available in Spanish.
Registration can take place right before or during the event. A meeting link will be immediately available.Resources General
- Survivors Speak: Self-Care After a Disaster
- Boulder Crisis Counseling flyer
- Marshall Fire_ EDMR Group_flyer
- Healing and dealing throughout your recovery
- Disaster Distress Help Line 1-800-985-5990
- Colorado Spirit Hotline 1-970-221-5551
- Colorado Crisis Services
- Mental Health After a Wildfire (Boulder County website)
- Recovering Emotionally From a Disaster
Government Bulletins & Announcements
DORA – Division of Insurance Bulletins and Publications
Bulletins are updated frequently. For the most current version, visit the Colorado DOI Insurance Statutes, Regulations, and Bulletins page.
- Concerning the Communication of Certain Coverage Limits by Homeowners’ Insurance Companies to Policyholders that Experienced a Loss Resulting from the Boulder County Fires (B-5.44)
- Division Position Concerning Policyholder Relief in the Immediate Aftermath of the Marshall and Middle Fork Fires (Bulletin No. B- 5.43) 1/3/22
- Tolling certain coverages in a catastrophe (22-E-09 )
- Concerning Prior Authorizations for Durable Medical Equipment and Prescription Refill (22-E-02)
- Equitable Payment of Claims Resulting from Natural Disasters
- Homeowners’ Right to Obtain Additional or Enhanced Coverages
- Notice of the Provisions Pertaining to the Payment of Claims for the Repair of Damaged Property
Penalties for Failure to Promptly Address Property and Casualty First Party Claims (60-day requirement to pay or deny claim)
- Requirement to Issue Copy of Policy – CRS 10-4-110.8 (10)
- Bulletin B-5.42 Concerning Extension of Policyholder Benefits in the Event of a Catastrophic Disaster
- Colorado Department of Regulatory Agencies – FAQ about ALE
- Rental Property Information
- Homeowner Association (HOA) and Homeowners’ Insurance
- Consumer Advisory Boulder County Fires Improving Policyholders Experiences
- The deadline to submit your Right of Entry forms and participate in the county debris removal program has now passed. For more information about the debris removal program, please visit the Marshall Fire Debris Removal Program page.
- Boulder County, City of Louisville, and the Town of Superior will include foundation removal for participating residents at zero cost in the Private Property Debris Removal program.
Town and County-Specific Resources
Boulder County: After a Disaster Guidebook
Land Use Code – Boulder County
Boulder County Debris Removal Program Update
Boulder County Disaster Assistance Resources (organizations that were present at the Disaster Assistance Center)
Boulder County Fires Advisory – Price Gouging
Town of Louisville
Town of Superior
Marshall Fire Information and Resources
The Planning and Building Department is hosting open house sessions on Wednesdays for residents, contractors, and developers. Call 303-499-3675 x. 138 or send an email to email@example.com for more information.
SBA BulletinsResources General