Dealing with insurance matters is one of the most difficult and frustrating experiences for fire survivors. 

We recognize the complexity and the emotional impacts of having to make such a substantial property damage and loss claim, and we're continuing to gather information to help residents navigate through the insurance system.

Homeowner's Insurance

One of the themes we keep hearing from residents who lost homes and other structures in the fire has been the difficulty of working with insurance providers.


Colorado Division of Insurance

Official state bulletin (112 KB) explaining Equitable Payment of Claims Resulting from the Fourmile Canyon Fire (provides guidance to insurers of property destroyed by the Fourmile Canyon Fire).

Additionally, the Colorado Division of Insurance helps residents with consumer-related issues and questions around insurance. call 303-894-6531 or 303-894-7499, or send an email to For more information, visit: DORA's website.

Flood Insurance

Important note: Flood damage is not cover by your homeowner's insurance policy. You may be at risk of flood and debris flow impacts if you live in or around the areas burned in the fire. Flood insurance is available only through the U.S. government (administered by FEMA).

There is a 30-day waiting period before coverage goes into effect. For information, visit: or contact Norm Ashford at 303-235-4912 or Erin May at 303-299.-873.

Uninsured or Underinsured Residents

Individuals and families who are uninsured or underinsured should contact the Fourmile Fire Recovery Center for more information about what services you may be entitled to.



Foothills United Way
Visit: website 


Flood Insurance

Norm Ashford at 303-235-4912
Erin May at 303-299-7873

Permitting & Rebuilding

Rebuilding Tips & Info