Wildfires are devastating events that can take everything in a short amount of time. Unfortunately, the event itself can often just be the beginning. After there’s damage assessments, rebuilding, and dealing with insurance companies. Even if you’re able to get coverage in Colorado, companies will still try and underpay or deny your claims after a wildfire. So what can you do? Don’t worry, you’ve got options.
When is wildfire season in Colorado?
Colorado’s wildfire season lasts from May to September, though climate change has created conditions for more dangerous wildfires throughout the year. Even during the winter months, Colorado residents are at an increased risk for wildfires. Overall the following risk factors contribute to the increase in wildfire frequency and intensity.
Drought
It only takes ten days without precipitation to put Colorado regions at risk for wildfires. This lack of precipitation can affect snowpack and the subsequent snowmelt, limiting natural methods for keeping wildfires at bay.
High winds
Whether the fire started due to lightning strikes or human activity, high winds coming down from the mountains can pick up wildfires and push them to dangerous sizes within minutes.
Human activity
85% of wildfires in the United States are started, unfortunately, by human action (or inaction): unattended campfires, debris-burning, equipment malfunction, etc.
Property Insurance Checkup
Property insurance is integral to protecting you and your family, wildfire season or not. But it pays to stay on top of your policy at every turn. Here are some tips you can do annually to protect your policy.
Update policy after remodels/home improvement
Policyholders should generally contact their insurance agent after any kind of home improvement projects. Depending on the scope of the project, your agent may need to update coverage. For example, certain improvements may require safety discounts or additional policy additions.
Make sure policy reflects any changes
Projects like building a pool, updating the kitchen or bath or even adding an extension should be updated in your insurance policy. But be aware that quality updates, like granite countertops or premium cabinets may affect your policy.
Make a home inventory
Having a home inventory can help make your claims process go smoother in the event of a wildfire. You can scan and save receipts from big purchases, make note of special items (such as artwork, jewelry, collections, etc.), and even take a video describing the items in each room of your home. Store the list offsite or on the cloud to ensure that it stays protected, even in a fire.
What to do if your insurance claim is underpaid or denied
Insurance companies do what they can to not pay out full claims. Even in the aftermath of a wildfire, the company may try to lowball or outright deny your claims, even if you’re fully covered. Before you accept any claim denial at face value, you should consider contacting an attorney to explore your options.
At Kandell, Kandell & Petrie, we specialize in property insurance disputes in Florida, Louisiana, and Colorado. Whether the damage comes from wildfires or hurricanes, we’ll fight for you to get the full breadth of your policy covered. Contact our talented team of lawyers today.
