From Slack: There has been discussion (though not clear answers) about whether anyone has been successful in getting an insurer to pay out above policy limits.
Resources
The Division of Insurance (DOI) is also a resource for any questions related to homeowners or renters insurance. It is worth keeping in mind that reaching out to the Division will help it assess patterns that could be addressed at a more systemic level.
The DOI Consumer Services Team can be contacted at 303-894-7490 (toll free: 800-930-3745), or by email at DORA_Insurance@state.co.us.
The Division is also hosting upcoming town halls on underinsurance (see:
https://doi.colorado.gov/marshall-fire-response) on
May 19, 2022, 5:00 - 7:00 pm (Part 1: information from the DOI, builders in Boulder County, and the US Small Business Administration) and June 2, 2022 - 5:00 - 7:00 pm (Part 2: questions from Marshall Fire survivors).
The DOI also asked us to clarify that for survivors with 12 months of ALE, it recommends reaching out to your insurance company around month 8 to request that they extend your ALE to 24 months, and contacting the DOI if you run into issues.
The Boulder County Bar Association has a Marshall Fire resource page and may be able to connect survivors to insurance attorneys who may be able to assist with issues.