I lost my home in the Black Forest fire on June 11, 2013, and am working with my insurance company, Safeco, on the claim. My policy states that: "In the event of a covered loss from an Insurance Services Offices declared catastrophe for the state in which the residence premises is located, the limit for Extended Dwelling Coverage shall be up to twice the percentage shown for Extended Dwelling Coverage on the Policy Declarations." I am trying to find out if indeed ISO has declared the Black Forest fire a catastrophe for the state, so that I know what to expect from my insurance policy. I have contacted Colorado DOI and they know nothing about it. I also asked the Rocky Mountain Insurance Information Association and have received no response. I wanted to find out the details before I ask my insurance company.

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.