If your home or business was damaged or destroyed in recent flooding and mudslides, you can access information and tools through United Policyholders' Roadmap to Recovery® program for overcoming challenges with property, flood and auto insurance claims and reaching a fair settlement. Scroll down for key tips and a menu of resources.
November 2013 UPdate: The deadline for filing National Flood Insurance Claims related to the September 2013 CO flooding disaster has been extended by 21 days. Your deadline depends on the date of your loss. Click here to read the FEMA bulletin.
Read: Important Flood Insurance Claim Deadlines for more infomation.
Watch our workshop on Flood Damage and Flood Insurance Information:
Recent Media Coverage:
- Colorado Public Radio: The Flood Recovery Process
- Colorado Public Radio: Flood Damage Homes: Who Pays?
- North Forty News: Flood Insurance Tips on What's Covered, What's Not
- KOAA: Manitou Flood Meeting
Key Insurance Claim Tips:
- Focus on completely inventorying and valuing all damage and costs to repair or replace your property, regardless of your insurance situation.
- Keep a diary of conversations with insurance, repair, government and other professionals.
- Flood policies have different rules than home policies.
- Give your home and/or flood insurer a chance to do the right thing, but advocate for yourself and get help from DORA and/or experienced professionals if you feel you’re not being treated fairly.
- If a home or flood insurance adjuster says damage isn’t covered, but you feel it should be, get an independent professional opinion before giving up on getting some or all of your claim paid.
Insurance Recovery Information, Tools and Resources
- Top Ten Insurance Claim Tips
- Flood Insurance Claim Tips
- The "Dirt" on Insurance Protection for Mud Flow Damage
- Roadmap to Recovery Tools Request Form - "Road tested" tools to help document your loss
- Contents Claim Tips - For Recovering the Costs of Repairing and Replacing Damaged/Destroyed Household Items
- Insurance Recovery Tips for the Dwelling Part of Your Claim- How to collect the full amount your insurer owes you for what it would reasonably cost to repair/rebuild
- The Scoop on Scope (of Loss)
- Speak UP: How to communicate with your insurance company
- Mold Damage Guide - Information about resources about mold damage
- Sample Claim and Proof of Loss Form
- Resolving Flood Insurance Disputes
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 email@example.com 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.
- 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 Kit: includes 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.
Previous Roadmap to Recovery Meetings:
Roadmap to Recovery Workshop
Thursday, October 24th, 6:00pm-7:00pm
1st Presbyterian Church
1820 15th Street
Roadmap to Recovery Workshop
Thursday, October 24th at 1pm-2pm
City Council Chambers
Manitou Springs Flood Insurance Workshop
Date: August 26, 2013
606 Manitou Ave.