Zoomerang Survey Results
Roadmap to Recovery Survey: Fourmile Canyon Wildfire
Response Status: Completes
Filter: No filter applied
Apr 04, 2011 9:42 AM PST
1. Was your home damaged or destroyed as a result of the Fourmile Canyon Wildfire
Damaged		6	8%
Destroyed		67	92%
Total		73	100%
2. Have you filed a claim with your insurance company?
Yes		70	96%
No		2	3%
Have not decided		0	0%
I do not have insurance		1	1%
Total		73	100%
3. What is the name of your insurance company?
N/A		0	0%
AAA		1	1%
Allied		2	3%
Allstate		7	10%
AMICA		0	0%
Century National		0	0%
Encompass		0	0%
Farmers		11	15%
Fidelity		0	0%
Firemans Fund		0	0%
The Hartford		1	1%
Liberty Mutual		3	4%
Lloyds of London		0	0%
Mercury		0	0%
Residence Mutual		0	0%
Safeco		4	5%
State Farm		20	27%
Travelers		2	3%
Wawanesa		0	0%
USAA		5	7%
Other, please specify		17	23%
Total		73	100%
4. Do you rent or own the dwelling that was damaged or destroyed?
Rent		4	5%
Own		69	95%
Total		73	100%
5. How much dwelling insurance per square foot of living space do you have?  Note: Divide the Dwelling (Coverage A) limit that appears on the Declarations page of your policy by the total square footage of living space in your dwelling. (Do not include your limit for "other strucutures" such as sheds, garages, etc., and do not include any "extended coverages" or other add-ons)
0-$100 per square foot of dwelling insurance		8	12%
$100-$200 per square foot of dwelling insurance		38	57%
$200-$300 per square foot of dwelling insurance		13	19%
$300-$400 per square foot of dwelling insurance		2	3%
I don't have enough information		6	9%
Total		67	100%
6. Do you have an "extended replacement cost" or other type of provision in your policy that increased your stated dwelling limits?
Yes		48	72%
No		19	28%
Total		67	100%
7. What are your extended replacement cost limits:
I do not have extended replacement cost coverage		18	27%
25%		30	45%
50%		3	4%
Other, please specify		16	24%
Total		67	100%
8. Has your insurance company made an offer to settle the dwelling portion of your claim?
Yes		49	73%
No		18	27%
Total		67	100%
9. Has your insurance company paid your policy limits on the dwelling portion of your claim?
Yes		36	55%
No		30	45%
Total		66	100%
10. Do you feel you have reached a settlement with your insurance company on the dwelling portion of your loss?
Yes, we have reached a settlement		30	45%
No, we are still negotiating		36	55%
Total		66	100%
11. Have you gotten an independent estimate of how much it would cost to repair, rebuild or replace your home?  Note: "Independent" means you picked the estimator/contractor, not your insurer or adjuster
Yes		45	67%
No		22	33%
Total		67	100%
12. If you have not yet had an "independent" dwelling repair/replacement estimate, please choose all applicable reasons why you have not received an independent estimate of what it would cost to repair/replace/rebuild your damaged or destroyed home:
Can't find a qualified professional who will take the time to come out		2	7%
I'm not building the same house		10	34%
I don't want to or can't pay for an estimate		3	10%
I'm relying on the insurance company/adjuster to get that information		3	10%
I'm overwhelmed		4	14%
Other, please specify		16	55%
13. Do you have enough insurance to cover the cost of repairing, replacing or rebuilding your home?
Yes		26	39%
No		41	61%
Total		67	100%
14. If you do not have enough insurance to repair or replace what was damaged or destroyed,  give your best estimate of how much money you are short (estimating costs to repair/replace minus (-) insurance)
41 Responses
15. Is your insurance company disputing any repairs, damage or losses?
Yes		22	33%
No		45	67%
Total		67	100%
16. Have any of the following items been in dispute?  Please check all that apply.
Roof repairs		2	7%
Chimney		0	0%
Interior painting		1	4%
Indoor air quality		0	0%
Repair costs		5	19%
Insurance coverage amounts		18	67%
Contents cleaning		1	4%
Contents repairs		1	4%
Contents replacement		14	52%
Whether the structure can be repaired or needs to be replaced		0	0%
17. Are you considering buying a replacement home instead of rebuilding?
Yes		19	28%
No		48	72%
Total		67	100%
18. If yes, has your insurance company told you the total dollar amount of insurance benefits you will be able to use to buy instead of rebuild? (Please explain)
25 Responses
19. Please describe as best you can the status of your settlement negotiations with your insurance company, and any obstacles you're facing:
63 Responses
20. Have you filed a formal complaint (Request for Assistance "RFA") with the Colorado Department of Insurance?
Yes		8	12%
No, I do not have any complaints		33	49%
No, I have a problem with my insurance company, but have not filed a formal complaint		26	39%
Total		67	100%
21. Did your insurance company pay you any funds as an "advance" (before you submitted receipts or incurred expenses)?
Yes		59	84%
No		11	16%
Total		70	100%
22. Please describe any concerns or problems you have had or are having that relate to your claim for Additional Living Expenses (loss of use)?
39 Responses
23. Did your insurance company send or offer to send a contents specialist to help you with your inventory?
Yes		20	29%
No		50	71%
Total		70	100%
24. Is your insurance company requiring you to use a specific form for your contents inventory?
Yes		22	31%
No		48	69%
Total		70	100%
25. Personal Property/Contents Coverage:  Do you have enough insurance on "contents" to replace everything that was damaged or lost?
Yes		33	49%
No		34	51%
Total		67	100%
26. Is your insurance company requiring you to itemize all items in order to be fully reimbursed for your Personal Property/Content loss?
Yes		56	80%
No		14	20%
Total		70	100%
27. If "Yes", did you ask if they would "waive" the requirement to itemize all items?
Yes		18	29%
No		44	71%
Total		62	100%
28. If "Yes", what was your insurance company's response to your request?
25 Responses
29. Did your insurance company explain "depreciation," "holdbacks" and/or "recoverable depreciation" and how those terms impact your benefits?
Yes		47	67%
No		23	33%
Total		70	100%
30. Did your insurance company explain what you need to do to collect full replacement cost benefits for items they depreciated and/or held back payments for?
Yes		45	64%
No		25	36%
Total		70	100%
31. Below is a list of insurance problems that some claimants experience after a total loss due to a natural disaster.  Please check all that apply to you:
Failure to perform a thorough investigation		6	12%
Delays providing you a complete copy of current policy		18	36%
Delays paying ALE & other funds		14	28%
Delays in responding to requests for information		24	48%
Lowballing		29	58%
Use of biased experts		9	18%
Unreasonable reliance on ambiguous policy exclusions		8	16%
Abusive interrogation/claim practices		7	14%
Insistence on using their contractors		3	6%
Other, please specify		17	34%
32. Have you hired an attorney in connection with your losses from the wildfire?
Yes		5	7%
No		50	71%
Still considering it		15	21%
Total		70	100%
33. Have you hired a public adjuster to represent you on your insurance claim related to the wildfire?
Yes		8	11%
No		57	81%
Still considering it		5	7%
Total		70	100%
34. Any Additional Comments:
40 Responses
35. Optional:
48 Responses