Colorado
Home insurance is getting more and more expensive in Colorado. Widfires and hail are to blame

State officials estimate that half of Colorado’s population lives in areas considered high-risk for wildfire. That, combined with a seemingly growing propensity for blazes, has resulted in rising costs to insure homes — an increase of more than 50 percent over the last three years, according to the division of insurance.
“It’s a cliche, but it’s the perfect storm — not only do we have escalating catastrophe risk from wildfire, but there’s also the market conditions, where we’re seeing skyrocketing inflation,” said Carole Walker, the executive director of the Rocky Mountain Insurance Information Association, a clearinghouse located south of Denver. “We still have COVID supply chain issues where there’s shortages, everything from drywall to lumber to labor. These are all things that are affecting what we pay for property insurance.”
Walker spoke with Colorado Matters senior host Ryan Warner about the impact of catastrophes like wildfire and hail on home and property owners and the industry. While it might be easy to envision insurance companies making massive profits from customer premiums, Walker says that isn’t the case in Colorado, where the profit margin is the third-lowest in the nation.
“No one expects you to feel sorry for your insurance company; you know, you love to hate on your insurance company,” Walker said. “But in fact, insurance companies are losing money … over the last 10 years, they’ve lost an average of 12 percent on the property insurance market, some years much more than that.”
Walker talked about some possible solutions for the issue of escalating insurance costs. This last session, state legislators passed the Fair Access to Insurance Requirements plan, which will provide policies and coverage for state homeowners unable to get insurance on the private marketplace.
Another avenue is mitigation, in which homeowners take steps to lessen the risks that wildfire might cause. That could mean things as simple as moving wood piles and removing pine needles from the roof, to installing a more fire-resistant roof altogether. Walker added that increasingly, entire neighborhoods are banding together to increase safety.
“These are all things that we need to not be doing just as a homeowner, but as the entire community because fire knows no boundaries,” Walker said. “Even if you’re doing everything great, if your neighbor isn’t, that fire’s going to spread.”
Read the interview
This interview has been edited for length and clarity.
Ryan Warner: Homeowners’ premiums are up almost 52 percent in Colorado in three years, according to the division of insurance. That’s assuming you can find a company that’ll underwrite. Let’s run through why, and perhaps we can start with severe weather fueled by climate change.
Carole Walker: Unfortunately, what we’re living in Colorado is impacting what you pay for insurance because what we’re charged is what the insurance companies anticipate they’ll need to pay out in claims. And it’s a cliche, Ryan, but it’s the perfect storm. Not only do we have escalating catastrophe risk from wildfire, we’re number two in the nation for hail insurance claims, but also the market conditions where we’re seeing skyrocketing inflation. We still have COVID supply chain issues where there’s shortages, everything from drywall to lumber to labor. These are all things that are affecting what we pay for property insurance, and unfortunately, it puts pressure on the marketplace as insurance companies grapple with trying to balance those market conditions and the severity of that with our escalating catastrophe risk and the propensity that we’re going to have to pay more clients.
Let’s talk about inflation. I just want to put a finer point on that. If construction materials are more expensive, and frankly, labor is more expensive, and the supply chain is sort of choked up, all of those things affect the cost of repairing and rebuilding, which plays into insurance. Do I have that right?
Yes, what your insurance company cares about is not the market value of your home, but it’s the cost to repair and rebuild your home or your business in today’s dollars, and unfortunately, we’re living in larger, more expensive homes, the cost associated with repair and rebuild is higher. Again, we have contractor shortages and delays. These are all things that make insurance more expensive because not only are we seeing an increase in the number of claims because of increased catastrophes, but the cost to pay those clients.
Is this also about where we live, that many of us are choosing to live in wildfire-prone areas in particular?
Absolutely. We have more homes, more cars, more businesses in the path of those fires. So everyone wants to live in Colorado, right? And unfortunately, the State Forest Service estimates that half of our population lives in what is considered a high-risk wildfire area. Add hail to that. Unfortunately, our booming population and more people moving into these areas, and it’s not just our mountain communities and our foothills for wildfire risk, as we saw play out with the Marshall Fire last year and years ago in the Waldo Canyon Fire. These are urban suburban neighborhoods with many homes in them, and the chance of having a catastrophic wildfire is very high.
We’ll get back to hail in a moment, but perhaps you can hear eyes rolling across Colorado right now as people think about “poor insurance companies.” I mean, I think a natural reaction to seeing your rates skyrocket or your coverage disappear is ‘These companies simply aren’t making money hand over fist, and so they’re leaving or they’re raising rates. I don’t feel sorry for insurance companies.’ What is the profit picture in Colorado?
No one expects you to feel sorry for your insurance company. You love to hate on your insurance company. It’s a product you buy hoping you will never have to use. But in fact, insurance companies are losing money, especially in places like Colorado, where the profitability picture is very bleak. Colorado is ranked third worst in the nation for profitability. Over the last 10 years, they’ve lost an average 12 percent on the property insurance market, some years much more than that.
So as you continue a pattern of paying out more in claims and the anticipation of that next big catastrophic event is very high, at some point we reach that tipping point where insurance companies have to make business decisions and for all of us, what that means is I think we do have to adjust to this new normal where our homes are, for most of us, our largest asset, and we’re going to have to figure out within that household budget that insurance premiums will be higher because we don’t want that next Marshall Fire and have insurance companies not in the business of insurance in Colorado, but not able to pay those claims.
In places like Louisiana, where they haven’t done a good job of balancing those scales, they have insolvencies every week announced from insurance companies. In other places like California and Florida, where there’s not just catastrophic issues but also statutory and regulatory issues which have made it a tough place to do business, we are seeing insurance companies leave. In Colorado, we have an opportunity to do better and talk about some real solutions about how to keep a competitive, stable market, keep insurance companies at least on the profitable black side of things, and keep people in insurance and in their homes and able to pay out their mortgage.
This past session, Colorado lawmakers created it, essentially an insurer of last resort, something known as the FAIR Plan, Fair Access to Insurance Requirements. The state tells companies to bind together and share the risk. Is that the sort of solution you’re talking about?
Yes. A FAIR Plan, and we have them in up to 40 states, is a state insurer of last resort, and it seems counterintuitive, Ryan. That’s the challenging part because it really needs to be an insurer of last resort for property, not an insurer of choice. We’ve seen mistakes made in places like Florida, where there’s so much political pressure to make it the biggest insurer in the state. Really, what we need to do is have a pressure valve release for people who truly need it.
Within the bill that the legislature passed last year, it has restrictions in it to limit the number of people in the FAIR Plan, so frankly, it doesn’t go bankrupt and could bankrupt the state, and they’re charging rates that they need to charge to be able to pay out claims. You have to have at least three declinations from three private insurers. There’s caps for property of $750,000 for a residential property for insurance, $2 million for a business.
So we think that the legislature got it right in terms of keeping this a small fund from the state for people who truly can’t find insurance elsewhere and it doesn’t compete with the private market. But if we let go of those reigns we go down the road of Florida or Louisiana, we could be in real trouble. What we’re really trying to do is keep the private competitive market here and have a solution for people who truly need it, and then get them out of the FAIR Plan and back into the private market.
Do you think a day will come when the availability of insurance or the lack of it winds up dictating where people live? Like you can build a house there, you can move into a place there, but you’re not going to be able to get a mortgage because you’re not going to be able to get insurance?
There’s no silver bullet to these things. More people are moving into high-risk areas, and what we define as a high-risk area is also evolving. So we need to be working together as developers, planners, and also consider what does that look like for the people that live in there, especially as we do new construction and develop in high-risk places, whether that’s a hurricane-prone area or a wildfire-prone area. The good news for those of us that live in the high-risk wildfire areas is the science shows us there is much we can do to put the odds in our favor of not losing a home in a wildfire.
There are scientifically proven steps for mitigation, and if you’re doing them on an individual property as a homeowner, if the entire community is banding together, and that as a state we’re looking at how we actually reduce the risk of wildfire, that’s where we start to get to some real solutions. So these just can’t be insurance solutions. Those are temporary solutions. Insurance companies are just responding to a more challenging marketplace. On the other side of things, we as a country and a state and communities and homeowners need to be following the science and doing the mitigation. So do we have to look at where people are living? Absolutely, but we also have to look at what we’re doing from a mitigation standpoint to make these communities and homes safer.
When I sign up for health insurance, they often ask if I’m a smoker, and that affects my rates. And when I sign up for automobile insurance, they say, “Do you wear your seatbelt or do you have accidents in the past?” These are elements that affect the cost of a policy.
So, does fireproofing a home, I’ve heard this called hardening a home, against wildfire, will that affect availability and rates specifically?
So insurance is the financial incentive to do the right thing when it comes to wildfire mitigation. It started back after the Hayman Fire in 2000, where insurance companies started requiring mitigation to get and keep affordable insurance. Now, most companies have those programs and notifications in place, so if you live in a wildfire-prone area, you’ve received that notification or even, unfortunately, a non-renewal because you’re unwilling to do the proper mitigation. So it’s the right thing to do from a risk standpoint. It’s also the right thing to do from a financial standpoint. Not only will it help you keep insurance, but it will help you keep insurance with what we call a preferred or more standard insurance company, which keeps your rates lower.
I think it’s important to say that there are individual actions a homeowner can take, and then I think you alluded to the notion of a community taking action so that the hardening, if you will, against wildfire is true across a town, for instance. And given how we know that a fire can spread, those collective actions are important too. Speak to those for a bit.
That’s absolutely a parallel track to the real solution of reducing risk. If an individual homeowner does all the right things, some of them are common sense things, get the needles off the roof, mow the grass, get the wood pile off the wood deck. But some of these things are more impactful absolutely if the entire community is doing it.
There was a bill actually passed this last session that will offer grants to community mitigation programs and individuals that do home hardening because some of those common sense things are great, but also because of our high risk, it may require an investment of a new roof that’s more fire resistant, fire resistant plants, retaining walls depending on your risk. These are all things that we need to not be doing just as a homeowner but the entire community, because fire knows no boundaries. You’re doing everything great, if your neighbor isn’t, that fire’s going to spread. As we saw in the Marshall Fire, it ran along a fence line. We had a densely populated area, so with this bill that was passed for home hardening, that’s going to help.
There was also another bill passed that will create what we call a WUI, which means Wildland Urban Interface, statewide board that will at least have a common low denominator of what codes we should have for building across the state that will be more fire-resistant.
Some concrete actions there. I do want to talk about hail. You refer to the Front Range and frankly the whole corridor as “Hail Alley.” Is hail something you can harden yourself against?
It actually is. Fire is a much better example because there’s so much we can do to put the odds in our favor, but when it comes to hail and at least the roof, which is the most vulnerable part of your home, we have testing for hail-impact-resistant roofs and property. So there’s actually an insurance industry lab down in South Carolina where we start ember fires, we recreate hail storms, and it shows us that there are products that will make our homes more hail resistant. So that’s something we also need to be looking at and investing in here in Hail Alley.
And hail is the biggest source of loss in Colorado?
It still is. Historically, it’s our most expensive insured catastrophe. The biggest of them all so far, anyway, was May of 2017, where we had $2.4 billion from one 45-minute hailstorm because it cut such a wide swath across the state.

Colorado
10 Fun Facts About Boulder, Colorado—Sundance Film Festival’s New Home

Boulder, Colorado will host Sundance Film Festival beginning in 2027.
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It’s official: Sundance Film Festival is moving to Boulder, Colorado in 2027 after its more than four-decade residency in Park City, Utah where actor and director Robert Redford launched the internationally renowned festival.
Boulder beat out other bidding cities including Cincinnati and Salt Lake City to become the host destination for the festival that’s intentionally held outside of Hollywood in an effort to promote independent and up-and-coming filmmakers.
So, why Boulder?
BOULDER, CO – MARCH 27 : Gov. Jared Polis celebrated Sundance Film Festival is coming to Colorado with the crowd at Boulder Theatre in Boulder, Colorado on Thursday, March 27, 2025. Boulder wins Sundance Film Festival starting in 2027, beating out Utah and Ohio. (Photo by Hyoung Chang/The Denver Post)
Denver Post via Getty Images
“Boulder is an art town, tech town, mountain town, and college town,” Amanda Kelso, Sundance Institute Acting CEO said in a statement. “It is a place where the festival can build and flourish.”
Indeed, Boulder—a college town with a population of about 100,000—is a one-of-a-kind destination, nestled against the foothills and about 35 to 40 minutes from Denver. It’s technically not a mountain town like Park City, but rather is located where the plains and the Rocky Mountains meet.
I’m a Colorado-based travel writer, University of Colorado alumni and I spent more than a decade working as a reporter for the Daily Camera, Boulder’s newspaper. Ahead, I’m sharing some interesting facts about Boulder that you might find fascinating, should you visit this Colorado city for Sundance film screenings or simply to sample some of its famed outdoor recreation.
1. You Can Visit The Restaurant Robert Redford Was a Janitor At During College
As it turns out, Sundance founder Robert Redford has a unique connection to Boulder. The Sink, an iconic burger and pizza spot on the “Hill” across from the University of Colorado, claims that its most famous employee ever was Robert Redford, who worked at the restaurant as a janitor in 1955 while attending college.
President Barack Obama visits the Sink in Boulder on Tuesday, April 24, 2012. Joe Amon, The Denver Post (Photo By AAron Ontiveroz/The Denver Post via Getty Images)
Denver Post via Getty Images
The Sink, which celebrated its 100th year in business in 2023, also played host to President Barack Obama in April 2012 ahead of his talk at the university. The president ordered the “Sinkza” pizza with pepperoni, sausage, green pepper, black olives and onion, a menu item the restaurant renamed P.O.T.U.S. pie after his visit. Obama also signed his name on the graffiti-covered walls. His John Hancock is right next to the signature of Guy Fieri, who visited the Boulder restaurant for an episode of “Diners, Drive-Ins and Dives.”
2. Boulder, Colorado Could Have Been Built Around a Prison
Aerial photo above Boulder, Colorado.
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Today, Boulder is an idyllic college town and the University of Colorado is central to the city’s identity. Beautiful buildings on CU’s campus are built with red sandstone that was quarried in nearby Lyons. Hall of Famer Deion Sanders is the head coach of the CU Buffs football team, which draws energetic crowds for Saturday football games. CU also hosts the Conference on World Affairs, a spring event that’s like the Olympics for the mind that brings in thought leaders from around the world for panel discussions open to the public.
But Boulder could have been much different had things gone in the opposite direction in the late 1870s. Citizens in Boulder lobbied the state legislature for a university, and they were competing with Cañon City for the flagship school. The consolation prize for the losing bidder would have been a new Colorado State Prison. I learned this just recently during a visit to the Museum of Boulder where an interactive display imagines what the city would look like had key decisions tipped another way. On the screen, it showed CU’s earthy red tile roofs that define the aerial portrait of Boulder juxtaposed with would-be barbed-wire fences and concrete buildings scattered among the foothills should the city have elected to be home to a prison.
Today, Cañon City in Southern Colorado is home to the Colorado State Penitentiary and other jails, as well as the Museum of Colorado Prisons.
3. Boulder, Colorado Has Michelin-Recognized Dining
Frasca Food and Wine in Boulder is one of Colorado’s six Michelin-starred restaurants.
Casey Wilson / Frasca
The Michelin Guide came to Colorado in 2023 and the state now has a half-dozen Michelin one-star restaurants, including Frasca in Boulder, a fine dining concept focused on cuisine of Friuli-Venezia Giulia in Italy.
Boulder is also home to Basta, a contemporary Italian-American restaurant that received a Bib Gourmand status, an honor given to restaurants with great food at moderate price points.
Michelin-recommended restaurants in Boulder include: Stella’s Cucina, Bramble & Hare, Blackbelly Market, Boulder Dushanbe Teahouse, Oak at Fourteenth, Zoe Ma Ma and Santo. Blackbelly Market and Bramble & Hare also received green stars, which recognizes restaurants that are leaders in sustainability.
Pro tip: You can enjoy fine dining Mexican in Denver at the city’s newest Michelin-starred restaurant Alma Fonda Fina, which is award-winning Chef Johnny Curiel’s solo restaurant debut and an ode to his home country of Mexico. But Curiel also has a fantastic restaurant in Boulder that’s easier to snag a reservation at: Cozobi Fonda Fina, which is rooted in Mexico’s centuries-old corn nixtamalization traditions and wood-fire cooking techniques.
4. The ‘Mork and Mindy’ House is Located in Boulder, Colorado
circa 1979: American comedian and actor Robin Williams, wearing a woman’s bathrobe, furry hat, and sunglasses, being hugged by American actor Pam Dawber, in a still from the television series, ‘Mork and Mindy’. (Photo by Hulton Archive/Getty Images)
Getty Images
The Queen Anne exterior of the “Mork and Mindy” house is located in Boulder, a few blocks off the Pearl Street Mall, and is now a private residence. The television show, which ran from 1978 to 1982, featured Robin Williams as Mork, an extraterrestrial who arrived in Boulder from a planet called Ork. Many references to Boulder are made in the show’s 90 episodes. Mindy—Mork’s wife—for instance was a student at the University of Colorado. Boulder’s Chautauqua Meadow is also featured in the show.
5. NASA Astronaut Scott Carpenter is from Boulder, Colorado
Mercury astronaut M. Scott Carpenter in his space suit at Cape Canaveral before his trip into space. In the background is a radar antenna tower.
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Scott Carpenter, who was one of NASA’s first seven astronauts known as “the Mercury Seven,” was born in Boulder on May 1, 1925. Carpenter, who was the second American to orbit the Earth, earned his bachelor of science degree in Aeronautical Engineering from the University of Colorado. Visitors will spot references to Carpenter throughout town, like the Scott Carpenter Park that has a rocket ship play structure and the pool named after the late astronaut.
6. Hotel Boulderado’s Name Has a Fun Backstory
Boulder, Colorado, USA-October 23, 2023: Hotel Boulderado on 13th Street in historic downtown Boulder, Colorado.
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Hotel Boulderado opened its doors with a Gala Ball on New Year’s Eve in 1908. The historic hotel, which is a City of Boulder landmark and a member of the Historic Hotels in America, named itself Boulderado, a portmanteau of Boulder and Colorado, so that no one ever forgot where they stayed.
7. You Can Watch Street Theater on Pearl Street Mall
Boulder, Colorado, USA – October 18, 2015: A street performer juggles balls to an audience on Pearl Street.
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A fun way to spend a summer evening in Boulder is by strolling the Pearl Street Mall and enjoying the street performers. These performers on the outdoor mall put on acts that range from juggling fire on a unicycle to magic tricks and playing musical instruments. Bring some cash; they’re all working for tips.
8. The University of Colorado Has a Cafeteria Named After a Cannibal
Ezekial Rast, a junior at the University of Colorado puts toppings on his sandwich at the Alferd Packer Grill in the University Memorial Center on the CU Boulder Campus on Wednesday March 17, 2010.(Photo by Paul Aiken/Digital First Media/Boulder Daily Camera via Getty Images)
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The Alferd Packer Restaurant and Grill bears the name of an infamous cannibal who came to Breckenridge looking to strike it rich during the gold rush and accused of cannibalism during the winter of 1873-1874 after an ill-fated expedition. Students named the dining spot after the cannibal (with a slightly different spelling from Alfred Packer) back in 1968 with the quip “have a friend for lunch.” The name has stuck ever since.
9. Celestial Seasonings is Based in Boulder, Colorado
Caption: Cover photo: A worker watches boxes of tea go by on conveyor belts at Celestial Seasonings’ production floor. Marty Caivano/Daily Camera(Photo by Marty Caivano/Digital First Media/Boulder Daily Camera via Getty Images)
MediaNews Group via Getty Images
Well-known tea maker Celestial Seasonings is located in Boulder—you’ll find it off of Sleepytime Drive. The company got its start in 1969 when Mo Siegel, one of its founders, handpicked wild herbs in the Rocky Mountains and used his foraged finds to make the first tea. Visitors today can go on a $6 tour of the tea factory.
10. One of the Flatirons is Taller Than The Empire State Building
The Boulder Flatirons pictured in the winter.
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If Boulder had an official postcard, it’d likely be of its famed Flatirons that jut out into the blue skies. There are five Flatirons that run on a slope of Green Mountain and they’re collectively referred to as “The Flatirons.” They got their name from a pioneer woman who said they rocks look like flat, metal irons used to iron clothes, according to the city’s tourism officials. The third Flatiron is particularly striking: At 1,400 feet, it’s a few hundred feet higher than the Empire State Building. Trails starting at the Chautauqua Trailhead get you up close to the Flatirons.
Colorado
Grief lingers 5 years after COVID-19 arrived in Colorado, killing thousands

PUEBLO — When paramedics showed up at Bernie Esquibel-Tennant’s door the day after Thanksgiving in 2020, it was the second time in roughly 12 hours that an ambulance had visited her stretch of the neighborhood.
The night before, Esquibel-Tennant had watched as paramedics came for Adolph Gallardo, a man her children called Grandpa who lived across the street. Now they were here for her sister Melissa.
Melissa Esquibel’s oxygen level had dropped dangerously low to 70% overnight, which is why Esquibel-Tennant called 911 and paramedics were at her door even before the sun rose that Friday morning in Pueblo.
But the paramedics wouldn’t come in — not with COVID-19 in the house. So Esquibel-Tennant helped Melissa, dressed only in a nightgown, outside. They were barefoot and the ground was cold.
“We love you,” Esquibel-Tennant, 54, recalled telling Melissa as she helped her onto the waiting gurney.
She never saw her sister again after the paramedics drove away on Nov. 27, 2020. Adolph, their 77-year-old neighbor, never returned home, either.
He and Melissa, 47, are among the nearly 16,000 Coloradans who have died due to COVID-19 since the pandemic began five years ago this month. And their families are among the thousands still grieving, still wondering how the virus made its way into their homes and still struggling with how their loved ones died alone during the early days of the pandemic.
“There just weren’t a lot of procedures in place,” Esquibel-Tennant said. “Then, emotionally, we weren’t ready to deal with it.”
Closure — if such a thing exists — is still out of reach for many pandemic survivors. Their grief is complicated by unknowns and what-ifs. Rituals they historically used to mourn and honor the dead were postponed or scrapped entirely during the height of the pandemic.
And yet the world has seemingly moved on even as so many still grieve and COVID-19 remains, though we now have vaccines and better treatment. There’s no state memorial honoring the thousands who have died in the worst public health crisis of a century. There’s no finality as hundreds still die from the virus each year in Colorado.
“Over 15,000 Coloradans died due to COVID,” Gov. Jared Polis said in a recent interview, noting he lost two friends to the virus. “Some would have perhaps passed away by now anyway. Others would be perfectly healthy other than that COVID felled them. There’s no getting those people back.”
Misinformation and conspiracies spread during the pandemic, leading a swath of the American population to dismiss the severity of the disease that has killed more than 1 million people nationwide. At the same time, the death toll hasn’t fallen equitably as Black and Latino Coloradans died at disproportionately high rates compared to their white peers.
“I hope people know now how bad COVID was,” Adolph’s widow Ernestine “Toni” Gallardo said, adding, “We’ve experienced a real, real pandemic.”
Colorado’s first death
Ski season was well underway in the high country when the virus was first confirmed in Colorado on March 5, 2020.
At the time, COVID-19 already had been discovered in California, Florida and Washington state, although the virus is now believed to have been slinking its way across the United States well before then undetected.
In Colorado, the number of confirmed cases, mostly clustered in mountain towns crowded with tourists, ticked up in the days that followed. Health officials first confirmed a Coloradan had died from COVID-19 on March 13, 2020.

Dr. Leon Kelly, at the time El Paso County’s elected coroner, was standing on a stage with Polis and other state officials for a news conference about that first COVID-19 fatality — a woman in her 80s — when he got a phone call.
Employees from El Paso County’s health department were trying to reach Kelly, who had just also been appointed the county’s deputy medical director.
There was a problem, they told him.
The woman who died had attended a bridge tournament in Colorado Springs two weeks earlier and scores of people — most of them elderly — were potentially exposed to the virus.
Hearing the news was like being in a movie, Kelly said, when you find out the “absolute worst-case scenario has occurred.”
Public health employees spent the weekend tracking down attendees. Meanwhile, Kelly called an aunt in North Carolina who played bridge. They didn’t talk frequently, but Kelly wanted her to explain how the game worked, what happened with the cards and whether players rotated between tables during a tournament.
Kelly quickly realized that as many as 150 people were potentially exposed to the virus at that single event.
“It was clear we were already behind the ball,” Kelly recalled.

At least four attendees of that bridge tournament died from COVID-19.
The virus killed thousands more Coloradans in the months and years that followed, including Adolph Gallardo and Melissa Esquibel.
“We thought we were good”
Melissa, born March 19, 1973, was the youngest of three siblings. She was small in stature and — having been diagnosed with Turner syndrome when she was 9 — looked like she was about 12 years old.
Melissa had other disabilities, such as being hard of hearing, but she was very social and worked for Furr’s Cafeteria for decades, then McDonald’s until the virus sent everyone home.
She was “spunky,” her sister Bernie Esquibel-Tennant said.
The family was unable to visit Melissa in the hospital because they were also sick with COVID-19. Doctors and nurses kept Esquibel-Tennant updated on her sister through phone calls. They told her when Melissa ate scrambled eggs — and when Melissa went into cardiac arrest.
“They were overwhelmed with the amount of care everyone needed,” Esquibel-Tennant recalled.

At that point in November 2020, Colorado was in the middle of one of the state’s deadliest waves of COVID-19. So many people were sick that efforts by state and local public health departments to test and track the virus faltered.
The governor had warned hospitals of the influx of patients they were about to receive just two weeks before paramedics came for Melissa Esquibel and Adolph Gallardo.
Soon hospitals across the state were inundated. Mesa County ran out of intensive-care beds. Weld County only had three ICU beds at one point. Metro Denver hospitals turned away ambulances.
Parkview Medical Center in Pueblo canceled inpatient surgeries and sent patients to Colorado Springs and Denver. Staff also asked the county coroner to take bodies if more people died than could be stored in the hospital’s morgue.
Pueblo had one of the highest COVID-19 death rates in the state by mid-December and the coroner was using a semitrailer to store extra bodies.
Esquibel-Tennant’s family had tried to minimize their exposure to the virus, but she worked in social services and could not always do so remotely.
By then the virus was so rampant throughout the community there was no way to know who brought COVID-19 into the house, much less where they got it from — including whether mixing between the Gallardo and Esquibel-Tennant families spread the virus between them.
“We thought we were good,” Ernestine Gallardo, 78, said. “We weren’t associating with a lot of people.”
She and Adolph met when they were children. He lived in Florence, but would visit his aunt in Pueblo. Adolph served in the U.S. Marine Corps, including two tours in Vietnam, and received the Purple Heart for his service.

He and Esquibel-Tennant’s husband were “two peas in a pod,” Ernestine Gallardo said.
In mid-November, around the same time the Esquibel-Tennant household got sick, Adolph caught what he initially thought was a cold. He was prone to colds and got them each winter, Ernestine Gallardo said.
It was COVID-19. Adolph spent his final Thanksgiving mostly in bed struggling to breathe before paramedics came that evening.
Melissa Esquibel went into cardiac arrest at Parkview Medical Center three days later.
Medical staff tried to resuscitate her, but Melissa had little to no heartbeat. Her bones were fragile because of Turner syndrome and doctors told Esquibel-Tennant that their attempts to save her sister had crushed Melissa’s body.
“I felt the hurt in the doctor,” Esquibel-Tennant said.
She asked the physician to have hospital staff call her when Melissa died. Hours passed and Esquibel-Tennant still hadn’t received a call, so she dialed the hospital herself. A staff member paused before telling her they had forgotten to call.
Melissa had already died.
“She probably just died by herself,” Esquibel Tennant said. “Nobody to comfort her.”
Melissa passed away on Nov. 29, 2020.

Nearly five years later, questions still linger in Esquibel-Tennant’s mind, mainly about the quality of care her sister received and whether Melissa died the way she was told.
“I can’t blame anybody,” she said. “…But because there were so many great unknowns you just had to trust what you were being informed about.”
“We’re stuck” in grief
A pandemic plan drafted by Colorado’s public health department in 2018 found that if there was a major health crisis, “there may be a need for public mourning, psychological support and a slow transition into a new normal.”
But since the pandemic, more people are feeling isolated and overwhelmed as they grieve, said Micki Burns, head of Judi’s House, an organization that helps grieving families.
“We’re stuck (in grief) because the pandemic divided us in such distinct ways,” she said. “Until we are able to heal and reunite and connect we’re probably going to remain stuck.”
A group called Marked by COVID is advocating for a national memorial in Washington, D.C. so that society can pause and remember “this unprecedented loss of life that we have experienced,” said Kristin Urquiza, co-founder and executive director.

But for now, many Coloradans grieve alone.
Ca-Sandra Goodrich, who lives in Aurora, was unable to attend the funeral held for her cousin Necole Dandridge, who died from COVID-19 at age 39 on Nov. 9, 2021.
Instead, Goodrich watched the funeral via a livestream because she herself was sick with the virus.
“I remember feeling left out,” Goodrich, 53, said.
When Goodrich thinks about the pandemic, she remembers all that her family has lost. Her extended family is large and more than a dozen members have passed away in the years since the virus first swept the state.
Only Necole’s death was attributed to COVID-19, but Goodrich can’t help but to wonder whether other relatives who had respiratory symptoms at the time they died might have also had the virus.
“It’s just in the shadows,” Goodrich said. “…It’s almost like COVID is the phantom or the ghost that no one is acknowledging. “
The loss changed Goodrich, who struggles with her own health.
“I’m reluctant to get close to an individual,” she said.
Misinformation swirled around COVID-19 deaths
The Colorado Department of Public Health and Environment had prepared for the possibility of a pandemic years earlier by running simulations with local health departments. But there was a major aspect of COVID-19 that public health officials hadn’t known to prepare for: misinformation and conspiracy theories.
“That was a new dynamic and the level of misinformation — it was challenging to counteract that,” said Jill Hunsaker Ryan, the state’s public health director. “If public health says, ‘We recommend you wear a mask’ — we would have thought that that’s something that would have been accepted universally. But it wasn’t.”

Among the things that became politically divisive during the pandemic was how state and federal health departments counted and publicly reported COVID-19 deaths.
Officials said from the beginning of the crisis that the number of people who died from the virus was likely undercounted because of delays in testing. But critics claimed the death toll was inflated.
The debate came to a head in May 2020 when a state lawmaker alleged the Department of Public Health and Environment falsified the number of people who died from the virus and called for criminal charges to be filed against Hunsaker Ryan.
“I regarded it as a conspiracy theory and still do,” said Ian Dickson, who worked as a communications specialist with the state health department in 2020. “We also weren’t doing anything to get ahead of it.”
The agency denied altering death certificates, but responded by changing how Colorado publicly reported COVID-19 deaths. The decision, Dickson said, “really lent credence to a conspiracy theory.”
“From a communications standpoint it was a mess,” he said.
The department in May 2020 split deaths into two categories: those who died from the virus and those who had COVID-19 when they died, but it was not the leading cause.
“My directive was just get the best data, be transparent,” Polis recalled in an interview.
There was often a narrow gap between the two figures during the height of the pandemic, but the number of people who died from the virus was typically lower than those who died with COVID-19 because it only included fatalities listed on death certificates as being caused directly by the disease.
Yet medical professionals use what they call the “but for” principle when determining a cause of death, which says: if “but for (a certain event),” a person would not have died at this specific time and place. So deaths are ruled COVID-19 fatalities when the virus causes a person to die by triggering a condition that leads to their death, such as heart attacks, strokes or septic shock.
“If in those early weeks of the pandemic, we had relied exclusively on that final death certificate coded data, it would have been weeks, maybe even months until we had counts,” state epidemiologist Dr. Rachel Herlihy said. “That would have misled the public.”
“We were really at a very difficult time trying our best to get information to the public as quickly as we could,” she added.
The spread of misinformation affected Coloradans who lost loved ones to the virus.
There were many times during the height of the pandemic when families didn’t want COVID-19 to be listed on their relatives’ death certificates, said Kelly, the former El Paso County coroner. A person even screamed at Kelly over the phone, he said, telling him that COVID-19 wasn’t real and that he wouldn’t accept the virus as his father’s cause of death.

“These people were being lied to and they were being manipulated in many ways,” Kelly said.
Kelly, in his dual roles during the pandemic, performed autopsies in the morning on people who died from the virus and then spent his afternoons trying to prevent those deaths with El Paso County’s health department.
For almost a year, Kelly collected death certificates and reviewed them for accuracy because there were so many questions about how people died. The notebook with those death certificates sat on his desk for nearly five years until he shredded them earlier this year after he stepped down as coroner.
“I took it so personal. It was my responsibility to keep people safe,” he said. “…I had failed.”
“It just leaves a hole in your heart”
Ernestine Gallardo doesn’t like to think about Thanksgiving anymore, much less cook a traditional feast of turkey, stuffing or mashed potatoes.
Adolph’s pet peeve was lumpy potatoes.
But he’s not here anymore and Thanksgiving has never been the same. The family opted out of the holiday two years ago, choosing to dine at a Chinese restaurant instead.
“It’s too hard for me to think of doing things that he really enjoyed,” Ernestine Gallardo said.
Ernestine Gallardo and her daughter, Angela, were able to be with Adolph when he died on Dec. 10, 2020.
But the patriarch’s other children, Patrick and Pamela Gallardo, weren’t there because they were sick.

“That still haunts me,” Patrick Gallardo, 58, said.
Angela Gallardo, 54, wonders sometimes if it would have been better if she hadn’t gone to the hospital.
“I feel selfish because I was able to be there with my dad and hold his hand and rub his arm,” she said.
The Gallardos lost a second family member to COVID-19 nine months later. Pamela Gallardo’s son, Andrew Valdez, had the virus earlier in the pandemic and died of a heart attack in his sleep on Sept. 26, 2021. He was 31.
“We couldn’t be with them at all and then for them to pass by themselves — it just leaves a hole in your heart that’s never gonna fill back up no matter what you do,” Pamela Gallardo 54, said.
“There’s still no closure”
Esquibel-Tennant went to Parkview Medical Center to pick up her sister’s belongings in December 2020, a couple weeks after Melissa died.
When she opened the bag given to her by staff, Esquibel-Tennant saw only a nightgown — the one her sister had worn when the paramedics came.
“How horrible,” Esquibel thought. “That’s all I have left of my sister.”
Melissa was cremated, a first for their family. Esquibel-Tennant hadn’t wanted her sister’s body to sit in a morgue or freezer truck.
But it meant she never saw Melissa’s body or what she looked like when she died. She still wonders what happened in her sister’s final moments.
On the way home from the hospital, Esquibel-Tennant stopped at a car wash and tossed her sister’s nightgown in a trash bin.
“There’s still no closure,” she said.

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