Colorado’s 65% Contents Rule After a Declared Wildfire
If you lost an owner-occupied home in a Governor-declared wildfire disaster, the carrier must offer at least 65% of contents limits with no inventory.
FEMA Approved Colorado Disaster Aid. That Does Not Rebuild Your House.
After the 2026 Aspen Acres Fire, FEMA’s declaration covers governments — not the 324 households who lost homes. Your recovery still runs through private insurance.
When the Carrier’s Engineer Disagrees With Its Own Adjuster
Colorado bad-faith law is not a rubber stamp. Independent documentation still decides whether a hail or fire scope gets paid — especially after a later engineer report.
They Cannot Nonrenew You Mid-Disaster: Colorado’s Aspen Acres Cancellation Moratorium
Emergency Regulation 26-E-04 (effective Aug 19, 2026) treats certain cancellations and nonrenewals in the Aspen Acres area as unfairly discriminatory.
After the Fire Comes the Flood: Why Mudslides Are Often Not on Your Homeowners Policy
FEMA’s 2026 Colorado declaration also covers flooding and mudslides. Standard homeowners insurance still excludes flood. NFIP or a flood endorsement is a different contract.
The First Step for Commercial Property Owners
One of the first steps to making sure an insurance claim is resolved as soon as possible starts before you even file the insurance claim. Reviewing and understanding the language in your policy is critical to acting as a good self-advocate against the insurance company and it can speed up the claims process [...]
Do You Need an Insurance Extension?
Many insurance companies allow one full calendar year to complete a restoration project. While that was previously enough time to finish said projects, due to the COVID-19 pandemic and other issues with the global supply chain, insurance extensions are a lot more common now than they ever have been in recent history. So what [...]
The Co-Insurance Rule
In the insurance industry, Co-insurance is a provision that states an insurance company must pay a percentage of the value of your dwelling. The percentage the insurance company generally covers is 80% and the policyholder covers 20%. It is very important to review your insurance policy and ask your insurance company for details [...]
The Mistake of not Contacting a Public Adjuster Right Away
Sometimes, Public Adjusters are contacted by a person who has already started their claims process. Although this is common, it is not exactly ideal. Many policyholders don’t have experience filing an actual insurance claim, therefore they may do or say something that allows the insurance company to place the blame on them or [...]
Dealing with Water Damage as a Property Manager
Water damage claims are some of the most common insurance claims for property managers. Water damage can occur due to multiple things such as clogged toilets, backed-up tubs, burst pipes, and even external water seeping into your home from the outside. Many policyholders assume that their insurance company has their best interest in mind and [...]