Property Insurance Coverage
If your property is damaged or destroyed, the guidance provided below will help you get started on the road to recovery, make good decisions, and keep moving forward:
- United Policyholders:
- Colorado Division of Insurance:
Each insurance provider and policy is different, so be sure to reach out to your specific provider for more information about your coverage options for cleanup and the options for the future of your property.
Frequently Asked Insurance Questions
- Underinsurance: In response to the needs of those affected by the Marshall Fire, the Colorado Division of Insurance (the Division) has posted a list of Frequently Asked Questions (FAQs) about Underinsurance. The Division is aware that many homeowners impacted by the Marshall Fire are concerned that they may not be fully insured for partial or total losses, which is commonly referred to as “underinsurance.” These FAQs were developed based on questions the Division received during its January 4 town hall and questions Division staff have received at the Disaster Assistance Center.
- Additional Living Expenses: The Colorado Division of Insurance has posted a list of Frequently Asked Questions (FAQs) about Additional Living Expenses (ALE) coverage that is part of many homeowners and renters insurance policies. Also called “Coverage D – Additional Living Expenses (or Loss of Use),” the purpose of ALE is to help you if your home is a total loss or rendered uninhabitable due to damage.
Find more information about insurance and the Marshall Fire on the Division’s Marshall Fire Response website. You can reach the Division’s Consumer Services Team by calling 303-894-7490, or by sending an email to DORA_Insurance@state.co.us.