When you purchase insurance, you enter into a contract built on trust. You agree to pay premiums, and in return, your insurance company agrees to provide coverage when you need it most. But sometimes insurers fail to uphold their end of the bargain. When an insurance company unreasonably delays, denies, or mishandles a valid claim, […]

When you’ve experienced property damage, whether from a car accident, a natural disaster, or a vandalism incident, your first step should be to ensure safety. But your second step should be just as immediate: start documenting the damage. Thorough documentation is the cornerstone of a strong insurance claim and can mean the difference between full […]

For homeowners, maintaining continuous insurance coverage is essential to protect your investment and financial stability. A lapse in your homeowner’s insurance policy—whether intentional or accidental—can have serious consequences. Understanding what a policy lapse is, how it can occur, and what it means for your ability to recover in the event of a loss is critical. […]

Home insurance is meant to be your safety net—a financial lifeline when disaster strikes. Whether it’s storm damage, fire, theft, or a burst pipe, you expect your insurer to be there when you need them most. Unfortunately, many homeowners find that filing a claim isn’t as simple as it should be. Insurance companies often use […]

When you file a property insurance claim—whether for storm damage, fire, or another covered event—your hope is that the insurance company will provide a fair and timely payout. But what happens when you and your insurer can’t agree on the value of your loss? That’s where the appraisal process comes in. While it’s not a […]

Property insurance is vitally important for homeowners and business owners in Colorado. Having the appropriate coverage ensures that you are financially protected in the event that your major investment is damaged or destroyed. However, many policyholders incorrectly assume that their property insurance covers every possible kind of damage or loss. In fact, most policies have […]

In an insurance bad faith case, the policyholder alleges that their insurance company has acted unfairly or in bad faith in handling their insurance claim. Such cases can be complex, and to succeed the policyholder must prove specific elements to establish that the insurer acted in bad faith. Here are the key elements that must […]

If you find yourself filing an insurance claim in the state of Colorado, it’s important to understand your rights and protections under the Colorado Unfair Claims Settlement Practices Act (UCSPA). The UCSPA is a set of laws designed to regulate the behavior of insurance companies and ensure fair and ethical treatment of policyholders during the […]

Insurance companies are looking to increase profits and minimize the amount they pay out on insurance claims. Sometimes, their actions are less than reasonable business decisions. Insurers can cross the line into bad faith conduct that violates Colorado law. When they do, it is critical to hold them accountable by retaining a bad faith insurance […]

There are many reasons why homeowners file insurance claims. Sometimes a home is damaged by inclement weather, like hail or high winds. An accident can lead to water damage or the destruction of property. Theft can occur, despite the homeowner’s best efforts to keep the property safe and secure.  Homeowners want to protect their homes, […]