Debris Insurance Reconciliation
About the Process
The Private Property Debris Removal Program (PPDR) will move into the next phase of the program, the collection of applicable debris insurance proceeds. PPDR is a program in which FEMA reimburses Boulder County for eligible debris removal costs; FEMA requires the county to take reasonable steps to collect all applicable insurance proceeds for debris removal work to avoid any duplication of benefits. The county is working diligently with FEMA, the State of Colorado, and PPDR program participants to determine what, if any, insurance coverage is available
Background
566 Boulder County property owners participated in the PPDR Program after the Marshall Fire and Straight-line Wind event on Dec. 30, 2021. Boulder County spent close to $35M and is seeking reimbursement through FEMA’s Public Assistance program. Property owners who participated in the PPDR Program signed a Right-of-Entry form stating whether the property was insured and authorizing their insurance carriers to release insurance information to Boulder County. Property owners who carried insurance also signed an Assignment of Benefits form authorizing their insurance carrier to release payment to Boulder County, if in fact debris removal coverage is available.
NOTE: This program only handles debris removal insurance. If you have other insurance-related needs, please contact your insurance carrier/representative.
Boulder County is contacting insurance carriers for the 566 property owners who participated in the program to obtain insurance policies and determine if coverage is available for debris removal.
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- If not, the property owner has no responsibility under the debris insurance reconciliation process.
- If yes, then we move to step 2
Once Boulder County confirms debris insurance coverage is available, we will determine if the property owner directly incurred any eligible debris removal-related costs that may qualify for reimbursement from your insurance carrier. When property owners have not exhausted their debris removal coverage through expenditures outside of the PPDR Program costs, the County will request reimbursement of remaining coverage from the carrier. This funding to the County will offset FEMA’s reimbursement to the program.
Boulder County will contact the property owner when the review of your debris insurance is complete with the final determination.
Claim payments will be requested by Boulder County directly from the carrier. In instances where checks were sent directly to the property owner, the county will request reimbursement from the property owner themselves.
Once claim checks are received by the county, the county will send the property owner a letter to inform them that the Debris Insurance Reconciliation Process is complete and no further obligations are required.
For more details about the Debris Insurance Reconciliation process, view the FAQs.
Additional Resources
Payment options for remittance of insurance proceeds related to the PPDR program
Debris Insurance update letter – Jan. 25, 2023
Property owner email sent Oct. 5, 2022
Virtual Town Hall meeting held on Oct. 19, 2022
Homeowner insurance analysis example
Contact Us
Questions about Debris Insurance Reconciliation?
Email: debrisinsurance@bouldercounty.org
Call: (877) Help720 or 877-435-7720. To serve you best, we ask that you please leave a detailed message, along with contact information, and a representative that specializes in your specific question or concern will get back to you within 48 business hours.
Please contact your insurer concerning any general or specific questions about your insurance coverage.
