Mobilizing · Updated 2026-09-02
2026 Aspen Acres Fire
Insurance claims, in plain language
The mechanics that decide what gets paid — for this specific disaster.
- Fire claims are usually RCV (replacement cost) policies: the carrier first pays actual cash value, then releases recoverable depreciation as the rebuild completes — do not leave that second check unclaimed.
- If your home is unlivable, your policy almost certainly includes ALE (Additional Living Expenses): lodging, meals above normal, mileage. Keep every receipt from day one.
- Supplements are normal on fire losses — hidden smoke and heat damage surfaces during demo. The scope is not final until the walls are open.
- If a mortgage company is on the check, endorsement takes time. Start that conversation the week the first check arrives.
Common questions
- Does the insurance company pick my contractor?
- No. You choose your contractor. Carriers may suggest program vendors, but the choice is yours by law.
- What does the deductible work like on a fire claim?
- You pay your policy deductible; the carrier pays covered scope above it. Colorado law prohibits contractors from paying or waiving deductibles — anyone offering to is breaking the law.
- How long does a fire rebuild take?
- Typical single-family fire rebuilds run 8–14 months from claim to closeout, driven mostly by scope agreement and permit pathway.
Also useful: United Policyholders — disaster recovery help.