The Law Office of Samuel G. Livingston, P.C.
Call 720-443-5876 for a free initial consultation

Denver Colorado Insurance Litigation Blog

How to strengthen your homeowner’s insurance claim

In a perfect world, making a claim with your homeowner’s insurance provider would be a straightforward process. An adjuster would check the damage. You would receive a check for the cost of repairing and replacing everything that was damaged.

Of course, the reality is much different. Insurance providers are in business to make money. It’d be difficult to maximize their profits if they paid all claims in full. This means it’s the homeowner’s responsibility to advocate for what they need. The following are some steps you can take to help strengthen your insurance claim.

What if my insurance difficulties stem from broker error?

If you are currently in financial difficulty due to what you feel to be negligence on the part of your insurance agent or broker, there are several things you need to know.

The first point to understand is whether your insurance was proffered by an agent or a broker. An insurance agent is literally a representative of a specific insurance carrier, and you cannot sue that individual because they fall within the purview of the larger company. In this case, any claim you make would be against the company, which is bound by the actions of their agent.

What you should know about business interruption insurance

Businesses face threats from many angles. That includes unexpected events that are not in a business owner’s control, such as severe weather or repair work that impacts the use of a commercial space. Because of this reality, some companies here in Colorado opt to get business interruption insurance.

So what, exactly, can business interruption insurance cover? Here’s a quick overview.

Why may your insurance company delay your claim?

When your Denver home suffers significant hail, water, fire, wind damage or more, you may find solace in knowing that your homeowners insurance policy should sufficiently compensate you. However, when your insurer delays your claim, you may feel frustrated in understanding how to get access to the relief you are due.

While insurance companies should promptly process and pay all valid claims, your insurer may employ various bad faith tactics to delay, underpay or even deny your claim. If you find yourself waiting weeks or months to learn the status of your claim, what are your options?

What you can do to help ensure fire damage is covered

As wildfires continue to rage in California and Colorado recovers from one of its worst wildfire seasons on record, many homeowners wonder how to make sure their homes and belongings can be protected in the future. 

Dealing with the aftermath of a wildfire is already overwhelming, dealing with insurance companies often makes things worse. With wildfires becoming more intense and more frequent across the country, residents in fire zones should begin thinking about more extensive preparation.

Is hail damage in Colorado inevitable?

Hailstorms are not a new phenomenon in Colorado, but their total cost continues to rise with each new summer storm. Climate researchers and insurance agencies agree the recent bout of storms are probably the new normal and won't dissipate anytime soon.

The June 19 storm affecting Denver residents and others in Northern Colorado caused more than $276 million in damages and resulted in approximately 50,000 insurance claims. Hail insurance claims range from vehicles to property to houses and have amassed more than $3 billion total in insurance losses in the state over the last 10 years.

Common examples of bad faith insurance tactics

Insurance companies do not always have their policyholders' best interests in mind. This can come as a shock to many people, particularly when the time has come to file an insurance claim, only to have their insurance provider deny it for no apparent reason. The truth is that many insurance companies protect their own profits over the wellbeing of their policyholders.

When an insurance company denies an otherwise valid insurance claim, it is said to be acting in bad faith. Bad faith insurance tactics can sometimes be considered illegal, and are always unethical. If you have recently had an insurance claim denied, it may be an example of bad faith insurance tactics at work.

What should I do if my homeowner's insurance claim is denied?

When you purchased homeowner's insurance, you carefully researched several insurance providers and policies. You read the documents carefully, making sure that there were no hidden "gotchas." You selected the policy that was best for your home, trusting that it would provide adequate coverage in the event of an emergency. Now an emergency has occurred, and your insurance claim has been denied. What should you do?

Many homeowners have filed a claim with their provider only to have it denied for seemingly no good reason. No one expects it to happen to them: After all, what is the point of buying homeowner's insurance if it won't cover your damages? If your home insurance claim has been denied, take a look at this post to figure out your next steps.

The Law Office of Samuel G. Livingston, P.C.
25188 Genesee Trail Road Suite 140
Golden, CO 80401

Phone: 720-443-5876
Golden Law Office Map