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‘We’re Learning From Their Pain’: Front Range Homeowners Examine Insurance Following Marshall Fire – CBS Denver



BOULDER COUNTY, Colo. (CBS4)– Like Coloradans across the state, Denver resident Sara Henry watched the flames of the Marshall Fire tear through Boulder County subdivisions. Before the fire was out, she had contacted her insurance agent to check on her own coverage.
(credit: CBS)
“I think I emailed the agent Monday and said, ‘Where am I?’”
RELATED: Resources For Marshall Fire Victims
Henry, who lives in the Cherry Creek North neighborhood of Denver, wanted to know if her policy had kept up with rebuilding costs, which she believes have been recently impacted by supply chain cost increases and inflation.
“Sadly, as a result of the Marshall Fire, it brought to the forefront what I needed to do and I needed to do it fast.”
After speaking to her insurance agent, Henry decided to increase insurance coverage on her home by about 20% which she says will cost her an extra
$200 annually.
“To me it’s an absolute no-brainer to increase coverage,” she said. “I certainly don’t expect Boulder here in Denver but you just never know. I would rather be over-insured than under, for sure.”
Shannon Weston, who lives in Denver’s Washington Park neighborhood, said news coverage of the Marshall Fire also got her thinking.
(credit: CBS)
“I had not looked at my homeowner’s insurance since I bought the house 20 years ago. If something catastrophic happened and I could not be made whole, I would be in a lot of trouble,” said Weston, who retired from a job with the State of Colorado in 2018.
She contacted her insurance agent and spoke to him for about 15 minutes. She said the next day he told her she was underinsured by about $100,000, so she increased her coverage which actually decreased her annual premiums by about $300 per year. She said she believes improvements she had made on the home, like upgrading electrical systems and replacing the roof, which she hadn’t told her insurance company about, led to the premium decrease.
“It also got me to make a mental note that I need to call the insurance agent every five years or so. Rebuilding costs have skyrocketed since the start of the pandemic because of the supply chain.”
In Boulder County, realtor Laura Levy said what Henry and Weston have done since the Marshall Fire was spot on.
“If maybe the last time you updated was a year or two years ago, the cost per square foot to rebuild may be a lot higher than when you last updated your policy,” said Levy. “Just kind of like getting a checkup, it’s a good thing to do even if it’s once a year. I would say while people are thinking about it, make it a priority and get it done.”
Levy went on to say residents may want to consider increasing their coverage if they have made any improvements or upgrades to their home. She suggested landscaping or hardscaping might necessitate additional coverage.
“If you just spent $75,000 on your kitchen, they need to know that. Share that with your insurance agent right away.”
(credit: CBS)
Levy, who lives in the foothills of Boulder County, suggested running through various scenarios with your insurance agent, like floods or fire, and learning what will and will not be covered. She said even if your home is destroyed, you are obligated to continue making mortgage payments, find out how your insurance policy addresses that. Ask your agent about additional living expenses also known as ALE, she suggested. Those are costs such as hotels, meals, and paying for storage if you are displaced. How long will your policy pay for those things while you are displaced? Most policies should cover up to 12 months of living expenses.
Levy said insurance companies use a formulaic tool to determine rebuilding costs. She said she prefers contacting a local contractor and asking, “If I were to rebuild, about what is the per square foot cost?”
Following the Marshall fire, Levy followed her own advice, contacting her insurance agent and determining she was underinsured by about $50 per square foot. She increased her coverage to make up for the difference.
“Honestly, I would rather sleep well at night and pay higher premiums,” she said.
LINK: Rocky Mountain Insurance Information Association


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Top 5 Best Facebook Video Downloader for Android.



You can download videos from Facebook with different video downloaders. You can use a computer or laptop to download the video. All you have to do is enter the link, which will download. A robust Facebook video downloader is required for android phones and tablets.

Facebook Video Downloader

You will also find many Facebook video downloading apps for Android devices, just like you can download Facebook videos to your desktop computer or laptop. The video downloader android will allow you to instantly download any Facebook video from your Android smartphone or tablet.

This Facebook guide will share the top and most downloaded Facebook video downloaders for Android.

Top 5 Android Facebook Video Downloaders

You can download any Facebook video using some Facebook video downloader apps. This guide is for those searching the internet for “how to download Facebook video on android” or “what’s the best Facebook video downloader to download Facebook videos”.

Let’s look at these top 5 best Facebook video downloaders for Android and reap the benefits of a free download of Facebook video.

(1) MyVideoDownloader for Facebook

MyVideodownloader for Facebook makes it easy to download Facebook videos. This android video downloader is compatible with all android smartphones and tablets. The best quality video downloads will be available because Myvideodownlaoder for Facebook can download all videos high definition.

Just download the MyVideoDownloader app for Android and log in to Facebook. After logging in, you can download any video you wish to save to your phone.

(2) Video Downloader for Facebook

This is an android video downloader that’s free. With a Video downloader for Facebook, you can instantly download all the videos that you want. The video downloader for Android is easy to use.

This app allows you to download videos uploaded by you and those that have been tagged and uploaded by friends. This app also has a section for funny and crazy videos you can download to your mobile phone.

(3) VideoDownloader for Facebook

video downloader is an android video downloader that can also play Facebook videos. This app allows you to view all videos in your profile and then download them. You can search for a video using the keywords you use. Videos posted to Facebook pages and groups can be downloaded.

This video downloader also allows you to upload videos to Facebook. You can download the Facebook video downloader for free from Google Play Store.

(4) Video Download to Facebook

Video Download for Facebook has over 100 000 downloads. This app will show you how to download Facebook videos to your android phone. Video downloader saves all videos from Facebook to its servers. Then you can download them to your phone at the fastest possible downloading speeds.

The Video Download for the Facebook app has an attractive interface that makes it easy to use. Just add the URL to the video and click the Download button.

(5) Video Downloader

Video Downloader by fnxApps is last but not least. Download Facebook video downloader free of cost from the Google Play Store. The video downloader works in the same way as other video downloaders. Just one click is all it takes to download the Facebook videos.

All videos downloaded with this downloader are saved directly to the SD card. Using the sharing options, you can share the videos you have downloaded with friends.


These are the top five Facebook video downloaders to download Facebook videos to your Android tablet or smartphone. You don’t need to use your laptop or computer to download your favourite videos from Facebook.

Many other android apps can be used to download videos from Facebook. Please let us know if you have any suggestions.

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