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In both 2020 and 2021 the residents of Colorado experienced severe and catastrophic wildfires causing extensive damage to over 1,500 structures. Because of the magnitude of these damages, the insurance department anticipates the need for extended timelines for homeowners to repair or replace their damaged property, especially as there are labor and material shortages due to the COVID-19 public health emergency.

Therefore the department has issued an emergency regulation effective December 29, 2022 that overrides earlier emergency regulations from January, May, and September. The regulation applies to insurers when a catastrophic disaster has occurred as outlined below.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.  

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