The Cameron Peak, CalWood, Lefthand Canyon, and East Troublesome Fires have affected many Colorado residents. Through our Roadmap to Recovery program you can access free, trustworthy help navigating the process of returning to a wildfire damaged area, repairing and replacing damaged and destroyed property, and collecting all available insurance funds.
If your property is damaged or destroyed, our guidance will help you get started on the road to recovery, make good decisions and keep moving forward. United Policyholders is non-profit and has expertise based on nearly three decades of assisting in communities hit by wildfires. Our staff, disaster veteran and professional volunteers and our partnerships with public, private and non-profit partners will help lighten your load. We're rooting for you and here to help. No strings attached.
We encourage you to take advantage of wildfire recovery help that available through the Colorado Division of Insurance. They have issued comprehensive guidance for those impacted by the fires - click here to access those resources.
The following are selected items from the extensive library of resources we offer. Through our Roadmap to Recovery program you can access tips, tools and the straight scoop on insurance, clean up, contractors, lawyers, adjusters, avoiding ripoffs and mistakes, your legal rights and emotional support from people who geninuely care about helping you navigate successfully.
Steps on the Road to Recovery
STEP 1: Taking it in and getting started
- First Steps After a Wildfire
- Primeros Pasos Despues de un Incendio Forestal
- Top Ten Insurance Claim Tips
- Sample Letter Requesting Copy of Your Insurance Policy
- Simplified Guide to Your Homeowners Policy
- Insurance Lingo en Español
TIP: If you lost your home in the wildfire, when you file your insurance claim, be sure to ask for a cash advance to help you get situated. Be sure to ask for it in writing (email counts).
STEP 2: Arranging temporary housing
- ALE/Loss of Use: What expenses can you claim on your homeowner's policy?
- Sample Letter Requesting Information About Insurance Benefits for Temporary Living Expenses ("ALE" or "Loss of Use")
STEP 3: Getting organized
- Stay in touch with others insured with your same company
- FAQs about Property Damage Insurance Claims
- Insurance Claim Rules in Colorado - 2020
- Speak UP: Tips for Communicating with your Insurance Company
STEP 4: Getting debris removed
Partial Losses/Standing Homes:
If your home was spared but was exposed to extreme heat and smoke, we offer specialized guidance on partial loss insurance claim issues related to proper cleaning, inspecting for damage, restoring healthy indoor air quality and repairing obvious as well as hidden damage.
FEATURED VIDEO: Standing Homes, Smoke/Heat Insurance and Recovery Guidance
STEP 5: Being pro-active in documenting and valuing your losses
- Insurance Recovery Tips for the Dwelling Part of Your Claim
- Partial Loss Claim Tips
- The Scoop on "Scope of Loss"
- Tips for Reviewing Adjusters' and Contractors' Estimates
- Xactimate Demystified
- Survivors Speak: Estimating Your Loss
- Samples of Damage and Proof of Loss Documentation
- Mobile / Manufactured Home Insurance Claim Tips
STEP 6: Creating your home inventory and navigating your contents claim
- Home Inventory and Contents Claim Tips
- Sample Letter Requesting Contents Itemization Waiver
- Sample Letter Asking for a Personal Property Claim Settlement
- Sample Inventory/Personal Property Claim Worksheets (Excel doc)
- Depreciation Basics
STEP 7: Making financial decisions
- Underinsurance 101
- Survivors Speak: Coping With Underinsurance
- Buy or rebuild?
- Tax Tips for Disaster Survivors
- Updating your home insurance after a loss
STEP 8: Choosing a contractor
- Rebuilding 101: A Guide to the Reconstruction Process
- Questions to Ask a Repair/Rebuild Contractor
- What's up with Overhead and Profit?
STEP 9: Working with your mortgage company
STEP 10: Getting help if/when you need it
- Colorado State Specific Help
- Filing a complaint with the Department of Insurance
- Colorado Post-Disaster Claims Guide
- Resolving Claim Disputes
- Hiring Professional Help
Taking care of yourself along the way
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NOTE: United Policyholders respects and protects the privacy of all who communicate with our organization. We do not share or sell our mailing lists.
Contact the DOI with concerns and questions about insurance and the claims process. Call the Division at 3030-894-7490 or 800-930-3745 (outside of the Denver metro area) or email them at DORA_Insurance@state.co.us.