File Your Colorado Fire Damage Claim Fast
Step-by-step guidance to help Colorado homeowners document fire damage, notify their insurer, and maximize their restoration payout.
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FAQ
What are the first steps I should take after a fire damages my Colorado home?
Immediately after the fire is extinguished and authorities clear the property as safe, document all damage with photos and video before touching anything. Contact your insurance company within 24–48 hours to open a claim, request a copy of your policy to review your coverage limits and deductible, and keep all receipts for emergency expenses like temporary housing and meals, as many Colorado homeowners policies include Additional Living Expenses (ALE) coverage.
How long does a fire damage insurance claim take to settle in Colorado?
Under Colorado law (C.R.S. § 10-3-1115), insurers must acknowledge your claim within 10 business days and make a coverage decision within 60 days of receiving your proof of loss. Complex wildfire or structure claims can extend that timeline, but if your insurer unreasonably delays or denies your claim, Colorado allows you to pursue a bad-faith claim for up to twice the covered benefit plus attorney fees. Hiring a public adjuster or restoration contractor familiar with Colorado claims can help keep the process on track.