Marshall Fire

Information and Resources

Home – Business – Dwelling 

Smart – Efficient – Legal Solutions

Marshall Fire: Here’s what to do right now if you lost your home in Boulder County

Attorney Natascha O’Flaherty with McDonough Law has helped a number of clients navigating the insurance process following the destruction of their homes in the East Troublesome Fire. Below is her advice for initial steps for those who lost a home in the Boulder County fires:

1. Contact your insurance carrier to let them know about your loss and begin the claim process;

2. Get a claim number and the contact information for the adjuster on your claim;

3. Request a copy of your insurance policy — by statute it must be provided within 72 hours;

4. Request in writing a certified copy of your policy — by statute it must be provided within 30 days;

5. Save all your receipts since evacuation: hotel, restaurants, food, clothing, pet supplies and necessities;

6.  If it is a primary residence, per statute the carrier must offer to pay 30% of the contents without an inventory. (Additional amounts can then be claimed by submitting a written inventory of items lost.). This money can help families fund the costs of replacing items immediately needed;

7. Save receipts of all items purchased. Scan receipts into a computer file or keep a box with the actual receipts;

8. Find and secure housing. It may be 12-18 months or more until your home can be rebuilt. Check with your adjuster on ALE (additional living expense) coverage. Things to ask your adjuster:

a. What amount of coverage do you have and for how long do you have coverage — typically coverages are 12-24 months.

b. Will the insurance company pay for your rental home? Or will your insurance company pay you the monthly fair market value of the home you lost so you can buy an interim home or condo while you rebuild your  home? Or will the insurance company pay the full ALE coverage out at this time for you to use at your discretion?

*To have a successful ALE claim, pull comparisons on rental prices for a home similar the home you lost to the fire. Be aware that rental prices may surge due to demand after a fire.

It is prudent to open a separate bank account for all insurance proceeds. It is also helpful to have a credit card that is only used for fire claim related purchases and expenditures to assist with tracking covered and reimbursable expenses.

Bottom line — know your rights and know what your policy covers.

Natascha O’Flaherty

Attorney

Licensed in Colorado

Natascha O’Flaherty

Attorney

Licensed in Colorado

Natascha O’Flaherty

Attorney

Licensed in Colorado

We help you with…

When a home or business is damaged by a fire, policyholders often turn to their insurance company to help them pick up the pieces.

Unfortunately, insurance companies often deny or underpay legitimate claims.

If your claim has been wrongfully denied or you feel that your insurer did not provide adequate compensation, call us.

We help policyholders recover after their property or business has been damaged by a fire.

We pride ourselves in aggressively handling fire insurance claims while guiding our clients through the claims process.

We have assisted many clients to recover the compensation they deserve following a fire.

Natascha O'Flaherty

Natascha O'Flaherty

Attorney

Licensed in Colorado

Crystal J. McDonough

Crystal J. McDonough

Owner and Attorney

Licensed in Colorado and Wyoming

Amanda Shindledecker

Amanda Shindledecker

Paralegal

Dahlia Olsher Tannen

Dahlia Olsher Tannen

Attorney

Licensed in Colorado and New York

Let’s Work Together

McDonough Law, LLC BBB Business Review