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Insurance Coverage

If your property is damaged or destroyed, the guidance provided below will help you get started on the road to recovery, make good decisions, and keep moving forward:

• Insurance Support from United Policyholders
• Additional Insurance Resources for Colorado from United Policyholders
• Colorado Division of Insurance

Each insurance provider and policy is different, so be sure to reach out to your specific provider for more information about your coverage options for cleanup and the options for the future of your property.

View Marshall Fire insurance and recovery help from United Policyholders.

Insurance Claims Support

• Review insurance policies for coverage and deductible information.
  
• Report association property as subject to claim.
• File your claim information ASAP.
• Find out if an adjuster has been assigned and get their contact information.
• Photograph / video all property damage.

FEMA Assistance for Residents & Businesses

Colorado encourages all individuals impacted by the Marshall Fire to apply for FEMA’s  Individual Assistance Program. Individuals should first call their insurance agents and then apply for federal assistance. If you do not have rental or home insurance, please apply for FEMA assistance.

Residents and business owners who sustained losses in the designated counties can begin applying for assistance tomorrow by registering online here or by calling 1-800-621-FEMA (3362) or 1-800-462-7585 (TTY) for the hearing and speech impaired. The toll-free telephone numbers will operate from 7 a.m. to 10 p.m. (local time) seven days a week until further notice. If you use a relay service, such as video relay service (VRS), captioned telephone service or others, give FEMA the number for that service.

Mental & Emotional Health

One of the key lessons learned from previous wildfire and flood disasters is that these events can have a significant impact on an individual’s well-being. And it impacts everyone differently and at different times, sometimes right away and sometimes months later. Adults and children across the community who were impacted by the fires may experience normal stress response symptoms like mood swings, sleep disruption, and other stress reactions.

View more information on mental health after a wildfire.

If you need mental health support, please reach out to:

JFS Boulder County Crisis Fund: https://www.jewishfamilyservice.org/bcc

Colorado Crisis Services: coloradocrisisservices.org/home-alt/ or 1-844-493-8255 or Text “TALK” to 38255.

Mental Health Partners: mhpcolorado.org/mental-health/ or 303-443-8500.

Vital Records

Congressman Joe Neguse’s Office is offering assistance in replacing documents (social security cards, passports, driver’s license, birth certificates) that have been lost in the fire.

Please email congressmanjoe.neguse@mail.house.gov with a list of documents you need replaced and they will get you connected with a Constituent Advocate from their office to help you through the process for each. The office number 303-335-1045.

Contractor Support

You need a contractor, and it is likely that many will contact you. After major disasters, contractors seem to be everywhere, soliciting repair contracts. However, you need to do your own research. Caution is essential.

• Confirm the contractor's license with the appropriate state or local government agency.
  
• Confirm that the contractor holds current insurance for liability, completed works and worker compensation.
  
• Some contractors may try to win your business by promising you will not have to pay them the amount of your insurance deductible. That suggestion would be considered insurance fraud and should be rejected.
  
• Will the contractor agree in advance to accept what your insurer will pay for repairs, plus your deductible amount? Rather than arguing with the insurer over the amount of the repair cost, a better approach may be to focus on the extent of repairs and hire a good contractor who will work within the insurer's cost guidelines.
  
• Seek bids from several contractors, preferably from those who have been in business for more than a few years.
  
• Get the entire contract in writing. Do not accept any unwritten guarantees or promises.

Other Resources

Sister Carmen Community Center: If you have needs related to the disaster please call 303-665-4342 between 9:00am – 4:00pm or stop by 655 Aspen Ridge Drive, Lafayette, 80026.

The American Red Cross has several resources related to emergency preparedness and fire recovery.

Documents

Please click on file image below for PDF. These are extremely useful documents.