While fires rage in Colorado sending more than 35,000 people from their homes and leaving nothing but ash and tears behind I have to wonder how many have good Homeowners Insurance. While no amount of money can replace a home and the memories in them I ponder how my own family would recover, I wonder how others will recover. The fact is not everyone has insurance to cover this. If they had seen this coming I have to think they would have tried to find the best insurance possible. Maybe this is a warning to the rest of us to make sure we get the best should the worst befall us.