Marshall Fire victims from the Wildflower townhome community in Louisville say they're forced to bridge the insurance gap since their homeowner's association was underinsured. via KlopezNews
LOUISVILLE, Colo. — One of the biggest issues in the aftermath of the Marshall Fire has been that so many of the victims were underinsured. They're still fighting to replace what they've lost nearly 10 months after the fire.
Karen England Horan lost her townhome that she lived in for 16 years. She's stuck figuring out how to move forward.Insurance issues are not new, but are more complex for those who live in the Wildflower townhome community in Louisville. "We understand that from an insurance perspective, this is the most complicated situation we can have because it deals with an HOA policy," said Wildflower resident Wendy Bohling."I didn't know anything about insurance until all of this happened. But I had four homes, three rentals and my primary, all impacted by the fire. I've been dealing with two HOAs and three insurance companies.
"It needs to be communicated to the homeowner, and that's the failure. I think if they would have had that discussion, people would have went back, called their agent, asked if they have enough risk assessment or loss assessment insurance, and some of these financial surprises or shock could be avoided," he said.
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