After an accident, the insurance adjuster assigned to the claim will investigate what happened and estimate how much the insurer may be required to pay. Although every claim is different, insurance adjusters generally consider several recurring factors when evaluating Colorado injury claims. Liability and Available Evidence The adjuster will first examine who caused the accident. […]

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, […]

When you file an insurance claim after an accident, property damage incident, or injury, the insurance company may ask you to provide a recorded statement. Many people feel pressured to comply immediately, especially when the request comes from an adjuster who seems friendly or helpful. But can your insurance company actually require a recorded statement? […]

A reservation of rights letter is a common, but often misunderstood, document sent by an insurance company during the claims process. If you receive one, it does not mean your claim has been denied. Instead, it signals that the insurer is continuing to investigate or defend your claim while reserving the right to later deny […]

Insurance claims are supposed to provide relief after a loss, not create another layer of stress. Yet many Colorado policyholders find themselves waiting weeks or even months for answers, updates, or payment. Sometimes the delay is tied to a legitimate investigation. In other cases, the delay may reflect poor claims handling, inadequate communication, or an […]

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. In those situations, you might need a bad faith insurance attorney. Insurers can cross the line into bad faith conduct that violates Colorado law. When they do, it is […]

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. […]

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. If you face a policy exclusion or limitation, this can be confusing and impact your overall result in your insurance claim. However, […]

Most homeowners expect their insurance to be a safety net when something goes wrong. A burst pipe, a kitchen fire, or unexpected storm damage can turn life upside down — and your insurance policy is supposed to help you get back on your feet. But too often, people only discover after a major loss that […]

Hail and high winds can cause significant damage in a matter of minutes. From dented siding to shattered windows and compromised roofing, the aftermath can feel overwhelming. Taking the right steps quickly not only protects your home, it also strengthens your home insurance claim and helps ensure you receive the compensation you deserve. Here’s what […]

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 […]