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Just had a meeting with 3 top insurance groups regarding the Four Mile Canyon fire here in Boulder.  180 structures and homes were completely lost in this fire.  3 major takeaways to avoid some of the challenges that these homeowners are facing now:

1. Make sure that your home is insured adequately- contact your agent and review what is covered and what is not.
2. Insure that your policy includes coverage to rebuild the home to current building ordinances.
3. Walk through your home at least once per year and video or photograph each room, with close attention paid to valuables like jewelry, art, collectibles.  If these items are worth more than $1000, have them insured separately. 

Team Lancene