Our thoughts go out to all those affected by the Marshall Fire that devastated areas of Boulder County, including Superior and Louisville on December 30th.
While we’ve previously published blog posts about fire safety, this one hit close to home. First and foremost, if you’ve been impacted by the local Marshall fire, we’re here to help our clients throughout the claims process – from assistance communicating with your claims adjuster, to discussing policy coverages or just answering general questions. Don’t hesitate to reach out to us as well as check out these resources for victims:
Community Foundation for Boulder County
Mental Health Partners
The Jewish Community Center
We also recommend checking out Colorado Responds, which is a great resource for anyone wanting to donate or volunteer. As the rebuild process develops, more information will be released as to how people can assist and what specific items are needed.
For those that weren’t directly affected by the fires, many have found this devastating fire to be unsettling to say the least. How do you know if your homeowner’s policy provides adequate coverage in the event of a fire? Timelines for rebuilds can sometimes be unpredictable and replacement costs can be lower or higher than market value, depending on where you live and what construction costs are like in your state. The price of construction costs have also been going up and can be a factor in a rebuild. The best way to tell if you’re covered is to call your agent and make sure that you have adequate up-to-date coverage. If you’ve recently made upgrades to your home, make sure you update your policy as any improvements add value to your home.
If you’re ever faced with a situation where you need to evacuate, we’ve included a helpful emergency evacuation list below. If the unthinkable happens and you do ever lose your home in a fire, remember to report your claim ASAP. Keep detailed notes from your communication with your adjuster (claim numbers, contact information, timeline details, etc.). Make sure to keep any and all receipts for hotel stays, clothing and food. Most homeowners policies include coverage for “loss of use” or “additional living expenses” and having these receipts on file will help speed up the reimbursement process.
If you’ve been affected by the Marshall fire or just want to double check your own homeowner’s policy, please don’t hesitate to reach out.
We’re here to help.