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The Division of Insurance encourages Coloradans to be prepared for the variety of disasters that can pummel the state - wildfires, hail, floods, tornadoes and windstorms, severe thunderstorms and extremes of heat and cold. The information and resources below can be helpful both before a disaster hits or after the fact. However, always be sure to check your local county, city or community's emergency information for updates and information particular to your area.
Do you need information, have a complaint or need help finding your insurer or agent? The Division of Insurance can help before, during and after a disaster.
Contact the Division Monday - Friday, between 8:00 a.m. - 5:00 p.m. at 303-894-7490 or email your questions to firstname.lastname@example.org.
Natural catastrophes can happen in an instant. Families and individuals would prepare in advance by having an emergency go-to-bag ready and developing plans to follow before, during and after an event. The Division of Insurance encourages all Colorado residents to be prepared in case of an emergency. Preparation should include having a “to-go bag” for essentials. Some essentials to consider:
Cash: If the power goes out credit cards won’t work so consider keeping some cash on hand.
Medication: Pharmacies may be closed and hospitals may be overwhelmed. Consider keeping a backup supply of medications like blood pressure medicine and insulin.
Battery Powered Radio: If electricity is out and cell towers are down, this is your only way to know what’s happening.
Insurance Information: Keep a record of your insurance company, agent, policy numbers and phone numbers on your cell phone or download your insurance company’s app. This can help you get started on recovery quickly.
List of Shelters: In this time of social distancing, not all shelters are open. Or, you may need to travel further than you would normally to find shelter. Consider making a list of possible shelters and, if you have a pet, make sure they are pet friendly.
A Change of Clothes: If you are forced to be away from home for a few days you will need a change of clothes for each family member.
A Note About Important Documents - Social Security cards, passports, birth certificates, driver’s licenses and more could be lost in a fire or flood. While you usually wouldn't store these important documents with your to-go bag, you should consider storing them electronically, or if you can't do that, secuing them in a fireproof and waterproof container.
Navigating Homeowners Insurance - Includes information about home inventories - from the National Association of Insurance Commissioners (NAIC)
Post-Disaster Claims Guide - A guide from the Colorado Division of Insurance and the National Association of Insurance Commissioners (NAIC)
Find Your Insurance Company - List of toll-free numbers for most major insurance companies