Colorado home insurance claim information

What to do if damage occurs to your home: 

  • Call your insurance company or agent with your policy number and other information as soon as possible. To help the claim process move smoothly, ask insurance company what information and forms are needed. 
  • Take photographs/video of the damage. 
  • Make the repairs necessary to prevent further damage to your property (cover broken windows, leaking roofs and damaged walls). Do not have permanent repairs made until your insurance company has inspected the property and you have reached an agreement on the cost of repairs.  
  • Save all receipts, including those from the temporary repairs covered by your insurance policy.  
  • If your home is damaged to the extent that you cannot live there, ask your insurance company if you have coverage for additional living expenses incurred for accommodations while repairs are being made. Save all receipts to document these costs. 

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What damage to your home is covered? 

Damage caused by wind, wind-driven rain, damage to your home from trees or other falling objects, collapse of a structure due to weight of ice or snow are all covered under most standard homeowners policies. Frozen pipes, and the damage caused by them, may be covered. Refer to your policy contract for details. 

What damage to your home is not covered? 

Interior water damage from a storm (when there is no damage to the roof or walls of your home), damage as the result of a flood, removal of fallen trees (if the trees do not land on and damage your home), food spoilage due to a power outage, and water damage from backed-up drains or sewers are not covered under most standard homeowners policies. Some insurers offer endorsements (additional protection that may be purchased) for certain events not covered under the standard homeowner policy, so check with your agent or company to determine your needs and the availability of coverage for such eventualities.

Article by The Colorado Regulator published by the Colorado Division of Insurance

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Our insurance article titled "Colorado home insurance claim information" is intended to give basic consumer information, not professional advice.