Story perspectives

74% of Colorado Homeowners Underinsured After Marshall Fire

10/22/2025

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Summary

Story summary

A study on the Marshall Fire finds that 74% of affected Colorado homeowners are underinsured for full rebuilding costs.
Thirty-six percent have policies that cover less than 75% of rebuild costs.
Underinsurance affects homeowners across income levels, including those earning over $180,000.
California lawmakers pass legislation to stabilize the insurance market amid rising wildfire risks, enhance consumer protections, and promote fire resilience through grants and simplified claims processes.

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Story summary

A study on the Marshall Fire finds that 74% of affected Colorado homeowners are underinsured for full rebuilding costs.
Thirty-six percent have policies that cover less than 75% of rebuild costs.
Underinsurance affects homeowners across income levels, including those earning over $180,000.
California lawmakers pass legislation to stabilize the insurance market amid rising wildfire risks, enhance consumer protections, and promote fire resilience through grants and simplified claims processes.