Severe storms wreak havoc across Colorado sporadically, leaving many with damage to their homes and property. It has been a hectic spring, and the summer looks to bring even more severe weather, according to a news release by the Colorado Division of Insurance (DOI).    

Severe storms wreak havoc across Colorado sporadically, leaving many with damage to their homes and property.The DOI, part of the Department of Regulatory Agencies (DORA), encourages consumers to “Take 5 to Get Wise” when dealing with their insurance claims.  DOI offers these three tips for consumers in getting the claims process started. 

  1. Start the claim process. Call your insurance company or agent and begin the claim process as soon as possible. Contact DOI if you need the contact information for your company or agent. 
  2. Document and mitigate the damage. If the damage to your home is extensive, start taking photos of the property and documenting what was lost to help with the claims process. If the damage is repairable, mitigate any further damage by placing tarps on roofs or boarding up windows. 
  3. Contact DOI. While claims need to be filed with the insurance companies, DOI can help people with questions about insurance and the claims process. Call the DOI at 303-894-7490 or 1-800-930-3745 (outside of the Denver metro area).

Many homeowners do not realize that their basic homeowners insurance does not include protection from flood damage, the DOI release said. Flood insurance must be purchased as a separate policy. 

The Federal Emergency Management Agency administers the National Flood Insurance Program (NFIP), a federally subsidized program available to any property owner – whether or not the property is in floodplain. National flood insurance is sold through a private insurance agent selling it to a community that has joined NFIP. Contact your insurance agent about buying flood insurance. If you do not have an agent or your agent does not sell flood insurance, contact the NFIP at 1-888-379-9531, or go to to get the name of an agent in your area.

Typically, there is a 30-day waiting period, after applying and paying the first premium, for the insurance to become effective.

For more information, visit the Colorado Division of Insurance flood insurance webpage or the FEMA / NFIP website