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.  

Focus on completely inventorying and valuing all damage and costs to repair or replace your property, regardless of your insurance situation. Key Insurance Claim Tips:

  • 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.

August 2014 UPdate:

UP is participating in Two Flood Recovery Expos in Boulder and Larimer Counties.  The Expos will provide flood affected residents with information, resources and guidance to assist with the long-term recovery process.  There will also be presentations to provide attendees with an overview of available resources and assistance.

  • 'Path to Recovery' Flood Recovery Expo:  Tuesday August 12th from 4 to 8pm at the LifeBridge Christian Church located at 10345 Ute Highway, Longmont. 
  • ‘Roadmap To Recovery’ Flood Recovery Expo For Larimer County:  Saturday August 16th from 10am to 5pm at the Estes Park Event Center and Pavilion located at 1125 Rooftop Way, Estes Park.

July 2014 UPdate:

UP has submitted a letter to FEMA asking for a retroactive Proof of Loss deadline extension for NFIP policyholders affected by the 2013 flood event. Read the letter here.

March 2014 UPdate:  

The Internal Revenue Service announced they are providing Colorado flood victims an extension until Oct. 15, 2014 to decide which tax year to claim disaster losses arising from last September’s flooding. Read the official notice: Notice 2014-20 
(This extension does not change the April 15th filing deadline.)

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 workshops on Flood Damage and Flood Insurance Information:

February 4th, 2014  

Flood Damage and Insurance 

Part 1:

Part 2:

February 14th   

Post Tax Disaster Tax Issues


Recent Media Coverage: 

Insurance Recovery Information, Tools and 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:

Complete and return the Roadmap to Recovery Tools Request Form to info@uphelp.org to receive the recovery tools below:

  • 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.

Previous Roadmap to Recovery Meetings:

Post-Disaster Income Tax Matters 

Loveland: Tuesday, February 11th, 6:30-8:30pm
Loveland Senior Center – Cherry Room
700 East Fourth Street, Loveland (Located behind Chilson Rec. Center)

Boulder: Wednesday, February 12th, 6:30-8:30pm,
Boulder County Courthouse, 1325 Pearl Street, Boulder
Commissioners Hearing Room 3rd Floor

Colorado Springs: Thursday, February 13th, 6:00-8:00pm
Centennial Hall Auditorium, 200 S. Cascade Avenue, Colorado Springs

Click here for more information

Click here to watch this workshop online


Flood Damage and Insurance

Boulder: Tuesday, February 4th 6:30pm-8:30pm

Boulder County Courthouse, 1325 Pearl Street
Commissioner's Hearing Room, 3rd Floor
Click here for more information

Click here to watch this workshop online (PART 1)

Click here to watch this workshop online (PART 2)


Lyons: Wednesday, February 5th 6:30-8:30pm

Rodgers Hall, 4th and High Street, Lyons

Roadmap to Recovery Workshop
Flood Damage and Insurance

Thursday, October 24th, 6:00pm-7:00pm
1st Presbyterian Church
1820 15th Street
Boulder, Colorado

Roadmap to Recovery Workshop
Flood Damage and Insurance

Thursday, October 24th at 1pm-2pm

City Council Chambers
500 E. Third St.
Loveland, CO

Click Here for more information

Watch this workshop online

Manitou Springs Flood Insurance Workshop

Date: August 26, 2013 
5:30pm - 7:30pm

The Manitou Springs City Hall                         

606 Manitou Ave.
Manitou Springs, CO 80829 

Watch the Workshop online

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.