Wendy Wyss is among the more than 1,000 homeowners who lost everything they owned in the Marshall Fire.
She had just bought her house nine months before the fire and says her dwelling coverage was more than half of the purchase price. Wyss thought she was well insured, but learned her policy will only cover about a third of the cost to rebuild.
"That fire happened... we've lost more than half our net worth and we don't have the means to come up with this money. People that are underinsured, they are going out, they're asking family, friends for money. They're getting the SBA loan, GoFundMes. We shouldn't have to. You know? We all bought insurance with the intention that this was going to cover us," she said.
Colorado Insurance Commissioner Mike Conway says the Marshall Fire victims aren't alone.