by United Policyholders
Black Forest Fire Rebuild

United Policyholders is a non-profit organization that is a voice and an information resource for insurance consumers in all 50 states.  We have helped guide disaster survivors on the road to recovery for over twenty years, including Colorado residents impacted by wildfires in 2010 and 2012, 2013 and the recent flooding. 
 

First steps to getting oriented and organized:

Take care of your family’s needs first.  If your home is close to a wildfire area and you're returning to it after an evacuation order has been lifted, read our post-evacuation checklist.  If your home has been damaged or destroyed, here is a checklist to help keep you on track during this stressful time. 

  • Housing is a priority – talk to your insurance company about the housing expense allowance.
  • Keep a diary of who you talked to, the number you called, date and time, what was said.  Keep all of your paperwork organized and together.
  • Take photos of your property before any cleanup or debris removal.
  • Get a complete and current copy of your insurance policy.
  • Ask for a cash advance for Additional Living Expenses (ALE).
  • Do not rush into signing contracts and avoid making major financial decisions in the first few weeks.
  • Check references carefully before hiring any vendor or professional

If your home has been damaged or destroyed, request a Roadmap to Recovery Toolkit by emailing your current mailing address to info@uphelp.org.  The toolkit contains a handbook, organizer diary and home inventory flash drive tool.  

Here are some items to get you started putting one foot in front of the other on the road to recovery:

Repairs and Rebuilding (Your Home)

Contents/Personal Property  (Your Stuff)

Resolving problems:


Other Resources:

Support Resources:

Disaster Survivor Support Network: Confidential emotional support, insurance and rebuilding tips from previous catastrophic loss victims/survivors through the United Policyholders Disaster Survivor Support Network ("DSSN") For a list of and contact info for available DSSN recovery mentors, please email your request to info@uphelp.org and put "DSSN" in the subject line.
 

Expert Answers to Your Questions:  The ”Ask an Expert” tool is an easy and safe way to ask direct questions to attorneys, claims professionals and previous disaster survivors who serve as UP volunteers and get the answers you need. The expert doesn’t see your contact info, but you can contact them if you want to follow up on their answer. To use the forum, please visit www.uphelp.org/Ask-an-Expert.

Recovery Tools:

  • The Disaster Recovery Handbook/Household Inventory Guide:  Since 2006 "The Disaster Recovery Handbook and Household Inventory Guide"  has been a trusted book that's led thousands of people through the process of overcoming obstacles to repairing and rebuilding after a major loss.  The book is written in plain language by disaster survivors fordisaster survivors with tips and expert advice from legal, insurance and personal finance professionals.
     
  • The Roadmap to Recovery Organizer Kitincludes the essential tools for staying organized and recovering financially from serious property damage or loss.  Each kit contains a diary/notebook, essential tips and guidance, business card holders, a pouch for receipts and a messenger bag.
     
  • Home Inventory Flashdrives:  Most disaster survivors must prepare an itemized and detailed inventory list of every single item they lost in order to recover insurance monies and/or claim tax losses.  Creating this inventory is one of the most challenging and time-consuming tasks survivors must complete on the road to recovery.  To ease this burden, UP created a home inventory flash drive that's pre-loaded with helpful content and is easy to use.

Related Information and News:

Roadmap to Recovery workshop additional reading on wildfire smoke:

Previous Roadmap to Recovery Workshops: 

Roadmap to Recovery Workshop
"Healing and Dealing" 
1 Year Deadlines and Decisions

Thursday, May 15th, 2014 6:00pm-8:00pm

Location: Woodmen Valley Chapel EAST CAMPUS
8292 Woodmen Valley View
Colorado Springs, CO

Workshop topic include:

  • Insurance deadlines
    • ALE/Temporary rent
    • Submitting proofs of loss/inventories
    • Collecting full replacement values
  • Personal challenges around the fire anniversary
  • Lawsuit related deadlines and the impact of the 
    Homeowners Insurance Reform Act of 2013

Click here for more information

Watch the workshop online

 

Thursday, April 3rd, 6pm-8pm

Recovering replacement values and dollars
held back by your insurer

Location: Woodmen Valley Chapel EAST CAMPUS
8292 Woodmen Valley View
Colorado Springs, CO

Topic: Strategies for recovering depreciation 
and replacement values for your contents, 
dwelling repairs, rebuilding and building code upgrades

Watch the workshop online

Click here for more information

See Handouts:

Thursday, March 6th, 6pm-8pm

Topic: Resolving Insurance Claim Disputes

Location: Woodmen Valley Chapel EAST CAMPUS
8292 Woodmen Valley View
Colorado Springs, CO

This workshop will cover insurance claim dispute 
resolution mechanisms, including: negotiation, 
mediation, appraisal and litigation.

Click here for more information

Watch the workshop online

 

Topic: Post Disaster Income Tax Workshop

Thursday, February 13th, 6pm-8pm

Centennial Hall Auditorium
200 S. Cascade Ave.
Colorado Springs, CO

Free covered parking will be available 
in the adjacent lot.

Click here for more information

Watch the workshop online

 

Topic: Partial Loss Damage from Smoke, Ash and Heat

Thursday, February 6th, 6pm-8pm

Woodmen Valley Chapel
EAST CAMPUS
8292 Woodmen Valley View
Colorado Springs, CO

Click here for more information

Watch the workshop online

See Handouts: 

Black Forest Fire: Buy, Rebuild or "Cash out"

Date: Thursday, January 9th, 6pm-8pm

Location: Woodmen Valley Chapel
EAST CAMPUS
8292 Woodmen Valley View
Colorado Springs, CO

Topic: Buy, Rebuild or "Cash out"

Click here for more information

Watch the workshop online

Black Forest Fire: Milestone Gathering

Date: RESCHEDULED 12/12/13

Location:
Woodmen Valley Chapel
EAST CAMPUS
8292 Woodmen Valley View
Colorado Springs, CO

Topic: Celebrate your progress and plan your course for the next phase of the journey back home. Make connections with others on the same path. 10 minute time slots will be available on a sign up basis for individual consultations with previous UP workshop speakers and other local resource experts.

Click here for more information

 

Black Forest Fire: Construction 101 

Date: Thursday, November 7, 2013
6:00pm-8:00pm

Location: 
Woodmen Valley Chapel
EAST CAMPUS
8292 Woodmen Valley View
Colorado Springs, CO

Topic: This workshop will cover Do’s and Don’t during the rebuild, selecting a contractor and the construction contract, developing building plans, the rebuilding timeline, when and how to use experts and restoration contractors for partial loss claims

For more information, click here

Watch the workshop online

 

Black Forest Fire:
Contents/Personal Property Claim Help

Date: Thursday, October 3rd
6:00pm-8:00pm

Location: 
Woodmen Valley Chapel
EAST CAMPUS
8292 Woodmen Valley View
Colorado Springs, CO

Topic: Tips on Settling the contents portion 
of the claim, home inventory strategies 
and understanding depreciation

View Powerpoint Presentation Here

Watch the workshop online

 

Black Forest Fire 
Roadmap to Recovery Workshop

Date: September 10th, 2013
6:30pm

Location: The Pinery
12375 Black Forest Rd.
Colorado Springs, CO 80908

View Powerpoint Presentation Here

Watch the workshop online

 

Black Forest Fire 
Roadmap to Recovery Workshop

Date: August 1, 2013 
6:30pm - 8:30pm

Topic: Communicating with your insurer, 
Colorado fair claim practices, 
and estimating and documenting your losses

Location: The Pinery
12375 Black Forest Rd.
Colorado Springs, CO 80908

Watch the workshop online

Download the powerpoint presentation

 

 

Black Forest Fire

Insurance Recovery Orientation Workshop  

Monday, July 8th at 6:00pm

Woodmen Valley Chapel
8292 Woodmen Valley View, 
Colorado Springs, CO

View Workshop Handouts

 

About The Blogger

United Policyholders

United Policyholders is a non-profit organization that serves as a voice and an information resource for insurance consumers in all 50 States.