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Flood Disaster Recovery Resources

Disaster Relief Resources

The Department of Regulatory Agencies (DORA) has compiled a variety of resources for both professionals and consumers to help recovery efforts after the recent flooding.

View press release:

 

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If you’ve suffered damage, we at the State are ready to help and are offering a no-cost damage assessment to determine the next steps related to the electrical, plumbing, and gas systems of your damaged property.  A qualified State inspector will come out and survey the extent of damage and provide you with a written report of the findings. Armed with this unbiased, objective information, you will be better equipped to get fair cost estimates and begin the rebuilding process.  

How do I schedule a free damage assessment?  Simply call or email the State inspector in your area, listed below, to schedule an appointment.  If the inspector is unavailable you may also call the Colorado Department of Regulatory Agencies at 303-894-2980.  

We are ready to take your call.       

DORA Inspectors for the Affected Areas
If the inspector is unavailable you may also call 303-894-2980

 
Adams – Ken Teutsch 303-894-2976, kenneth.teutsch@state.co.us
                 Rick Waters 303-894-2979, richard.waters@state.co.us

Clear Creek – Dennis Spiringer 303-894-2975, dennis.spiringer@state.co.us

Fremont –  John Figa 877-305-7541, john.figa@state.co.us
                    Steve Kirkwood 855-451-9791, stephen.kirkwood@state.co.us

Larimer –   Dave Cearlock 855-451-9790, david.cearlock@state.co.us
                    Rob Hogan 855-451-9797, robert.hogan@state.co.us
                    Rod Roberts 855-454-0071, rod.roberts@state.co.us

Logan, Morgan, Sedgwick, and Washington  –

                   James McClain 855-451-9789, james.mcclain@state.co.us
                   Dave Weaver 855-427-3177, david.weaver@state.co.us 
                    
MORE RESOURCES   
DON'T GET SCAMMED             
 
 
 

 
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The State of Colorado understands that you need to get utilities restored as soon as possible. However safety is a concern.  Damaged electrical, plumbing, and gas systems can be hazardous.  Contact the appropriate county building departments listed below regarding a damage assessment.  If you live in a county that is not listed below, contact the State to arrange a free damage assessment.  Following the free damage assessment, the inspector will explain any necessary steps to get your power or gas turned back on.
                   

The following counties conduct their own inspections. Contact them directly regarding a damage assessment: Arapahoe, Broomfield, Boulder, Denver, El Paso, Jefferson, Pueblo, and Weld.
                   
For all other Colorado counties in the disaster region, or if you have any questions or problems, contact the State at 303-894-2980.
                   
My electrical wiring is damaged
The State of Colorado Electrical Board understands that you need to get your power back on as soon as possible. However safety is a concern. Damaged electrical systems can cause electrocution and fires.  For more information on damaged electrical systems please go to the following links:

After the Storm – A Guide for Flood Victims

Evaluating Water Damaged Electrical Equipment

Water Damaged Equipment

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If you're returning to a home or business that was affected by floods, please do not attempt to restore your natural gas service.  Watch this video to understand why utility crews must restore service for your safety located here.
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People impacted by the floods can encounter discrimination based on a protected class while they are trying to recover. For example, discrimination can occur while obtaining temporary housing, while working with contractors on repairs and restoration, and when requesting leave or other terms from employers. The Colorado Civil Rights Division has jurisdiction over claims of discrimination involving housing, employment and places of public accommodation. In response to the flooding, the Division and the Commission will be focusing outreach and dissemination of useful information in areas affected by the flood, including Boulder, Loveland and Greeley, among other communities. The Civil Rights Division will also be tracking contacts with the public that involve both flooding impact and potential discrimination in order to be more responsive to communities' relief needs.

 If you believe you have been discriminated against based on a protected class in housing, employment or discrimination, please call the Civil Rights Division at 303.894.2997, email us at dora_CCRD@state.co.us, or visit the website at www.dora.colorado.gov/crd. We will be glad to work with you and send you an Intake Packet, or you can obtain one on the website. Complete and submit the Intake Packet in order to start a claim of discrimination.

 

Q.  I am trying to find temporary rental housing because my home was flooded, but I am being denied a lease and I have reason to believe it is because of a protected class.

 

A.  When you're already dealing with the pain and frustration of recovering from the flooding, the last thing you need when trying to secure a place to live is a roadblock based on your race, disability, gender, national origin, etc. The roadblock of discrimination in obtaining housing or services from a place of public accommodation can occur in many forms, such as a refusal to lease and while applying for assistance in home repairs.

 

Q.  I need to leave work occasionally in order to deal with contractors working on my house. My employer allows male co-workers to leave much more often than my female co-workers and me.

 A.    The right to be treated similarly to co-workers who are outside of your protected class is perhaps never more important then when you are in a vulnerable position. If you believe you have been treated unfairly in your job based on a protected class, please contact the Civil Rights Division for more information or an Intake Packet.

 

Q. I have contacted a company, or have contracted with a company, to perform work on my flooded house. The company has refused to provide services or has otherwise committed an adverse action, like failed to complete the service. I have reason to believe the contractor discriminated against me because I am Hispanic, disabled, female, or a member of another protected class.
 
A.   A contractor who provides service to repair or restore your property may be a place of public accommodation. It is illegal for a place of public accommodation working in Colorado to discriminate based on a protected class, and you should obtain and file a Public Accommodations Intake Packet with CCRD.
 
 
*Protected Classes: Colorado law prohibits discrimination based on: Age (Employment only); Ancestry; Creed; Color; Disability; Familial (family) Status (Housing only); Marital Status (Housing and Public Accommodations only); National Origin; Race; Religion; Sex; Sexual Orientation (including transgender status); and/or, Retaliation for engaging in a civil rights-protected activity.
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The FDIC has announced a series of steps intended to provide regulatory relief to financial institutions and facilitate recovery in areas of Colorado affected by severe storms, flooding, landslides, and mudslides.  For more information click here.

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Division of Insurance property and casualty experts are available by phone to answer insurance questions:  1-800-930-3745 toll-free outside of Denver; 303-894-7490 in metro Denver. 

Disasters & Sever Weather Insurance Claims – what to do
Home Inventory Checklist – downloadable PDF to get you started
Public Adjusters & Contractors:  What to Know Before Signing a Contract
How to be Claim Smart – from the National Association of Insurance Commissioners (NAIC) Consumer Resources
What to Do When Your Home or Car is Damaged in a Winter Storm – from the NAIC Consumer Resources
What Isn’t Covered by Your Homeowners Insurance – from the NAIC Consumer Resources
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Division of Insurance property and casualty experts are available by phone to answer insurance questions:  1-800-930-3745 toll-free outside of Denver; 303-894-7490 in metro Denver.  For more information visit the Division of Insurance Consumer Assistance page.
 
 

Emergency Regulation

The Commissioner of Insurance has adopted Emergency Regulation 13-E-14 setting forth specific reasons an insurance company cannot cancel or non-renew a property insurance policy. This regulation protects consumers that were impacted by the flood and whose properties were or are inaccessible for an extended period of time. 
 

13-E-14 PROHIBITED ADVERSE ACTIONS APPLICABLE TO VICTIMS OF THE 2013 COLORADO FLOOD

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For Businesses:

If you are constructing a new building click here.

If your business has custom equipment click here.

If you are installing new lighting click here.

Buying new Energy Star equipment click here.

Motor and Drive Efficiency click here.

Energy Design Assistance click here.

Energy efficiency financing click here.

 
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Don’t compound your problems by hiring an unregistered plumbing or electrical contractor. To avoid being a victim of fraud, be sure to check registration even if the contractor says they are registered. Verify a registration and check for discipline using the State’s Online License Lookup.

Also look at 10 TIPS ON HIRING A REGISTERED CONTRACTOR for other best practices and check your local Better Business Bureau.
 
 
MORE RESOURCES               
YOUR GUIDE TO HOME IMPROVEMENT CONTRACTS
DON'T GET SCAMMED         
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1)     I’m a licensed real estate broker and I have been displaced due to a natural disaster. What information do I need to provide to the Real Estate Commission regarding my address?
 
If you have been displaced due to a natural disaster, or if the physical location of the real estate brokerage has been affected, please contact the Division of Real Estate so that we can update your license record with your current information. Due to the circumstances, the Division will waive transfer and address change fees for those licensees who live or work in an area impacted by a natural disaster. 
 
2)    I’m a licensed real estate professional and my residence or business is located in an area affected by a natural disaster. The occurrence of the natural disaster coincides with my license renewal. Is there anything that the Division can do to assist me?
 
Please contact the Division of Real Estate and we will discuss your options on a case by case basis.
 
3)    I’m a licensed real estate professional and as a result of a natural disaster, my records have been destroyed. What should I do?
 
Licensed real estate brokers, real estate appraisers, appraisal management companies, mortgage loan originators and mortgage companies have records retention requirements. If your records have been damaged or destroyed as a result of a natural disaster, please contact the Division of Real Estate so that we can update your license history. If you are the subject of a complaint investigation or a continuing education audit, the appropriate board or commission may make accommodations specific to your damaged or destroyed records.
 

 

 

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The State of Colorado Electrical Board understands that your customer needs to get the power restored as soon as possible. However safety is a concern. Damaged electrical systems can cause electrocution and fires. As a registered electrical contractor you should perform a damage assessment to determine what will need to be done to re-energize the power. The state electrical inspectors will be using guidelines from several nationally recognized agencies for inspecting repairs or restoring power.  For more information on damaged electrical systems please go to the following links:

Evaluating Water Damaged Electrical Equipment

Water Damaged Equipment

After the Storm – A Guide for Flood Victims

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In wake of the flooding in Colorado, the Division of Financial Services has advised each of the affected financial institutions to consider all reasonable and prudent actions that could help meet the critical financial needs of their members and communities for which they serve. The Division of Financial Services encourages credit unions to exercise their judgement in altering terms on existing loans for affected members and businesses. Credit union members in these affected areas should contact their credit unions and check their websites for the latest information.

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1560 Broadway, Suite 110, Denver, CO 80202
(303) 894-7855 - Phone (800) 886-7675 - Toll Free (303) 894-7885 - Fax