Colorado Division of Insurance offers guidance for Southwestern Colorado flood victims

In the aftermath of recent flooding in Southwestern Colorado, the Colorado Division of Insurance (DOI), part of the Department of Regulatory Agencies (DORA), is offering guidance to affected residents on insurance matters. The agency advises that after ensuring personal safety, residents should begin assessing property damage, collecting important documents, and starting cleanup efforts.

The DOI provides support for people who need assistance with insurance questions, such as finding contact information for insurance companies or learning how to file a claim. The Consumer Service Team can be reached at 303-894-7490, 800-930-3745 (outside the Denver metro area), or by email at DORA_Insurance@state.co.us. Additional resources are available on the agency’s website at doi.colorado.gov.

Insurance Commissioner Michael Conway stated, “The Division of Insurance is here to help Coloradans as they navigate the after effects of the serious flooding in Southwestern Colorado. Unfortunately, most property insurance policies don’t cover flooding. But there are other resources available, and Coloradans shouldn’t hesitate to contact us if they have questions.”

The DOI notes that standard property insurance policies typically do not cover flood damage. This means damages and costs associated with evacuation or Additional Living Expenses (ALE) due to flooding are not usually included. Residents are encouraged to review their policies and contact their insurance carriers for clarification about coverage. Those with National Flood Insurance Program (NFIP) policies or seeking federal assistance from FEMA should be aware that support may be delayed due to the current government shutdown.

The DOI will monitor consumer protections for affected homeowners and ensure that insurance companies comply with requirements, such as providing policyholders with a copy of their policy within three business days upon request. This can assist those who have been evacuated or lack internet access.

Homeowners are reminded to verify their coverage before filing claims. Comprehensive auto coverage typically includes flood damage, and those with flood insurance should start the claim process promptly. The agency warns that due to the severity of the floods, claim processing may take longer than usual. Policyholders with NFIP coverage effective before September 30, 2025, can begin claims at www.floodsmart.gov, but should expect possible delays because of the federal government shutdown.

Residents are advised to document any damage with photographs when it is safe to do so and to ask questions throughout the claims process. The DOI encourages anyone with questions or concerns to contact its Consumer Service Team or visit doi.colorado.gov for further information.