Plain-English guides
Six long-form guides to the parts of Colorado insurance law that decide claims — written for policyholders, not for other lawyers.
6 articles
Business income
A government order closed you down and the damage was to someone else's property. That is the exact scenario civil authority coverage was written for — and the exact scenario insurers fight hardest.
11 min read · updated 2026-06-04
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Bad faith
Colorado gives policyholders a statutory remedy that does not require proving the insurer knew it was being unreasonable. Here is what it covers, what it is worth, and how it is proved.
9 min read · updated 2026-05-19
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Property damage
Nobody disputes that the storm happened. The money is decided by seven narrower arguments, and most policyholders never find out they were having six of them.
10 min read · updated 2026-07-15
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Claim process
It looks like paperwork. It is a sworn statement of what you claim you lost, and an understated figure signed early can follow the file for years.
8 min read · updated 2026-07-28
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Claim process
Appraisal is fast, cheap and binding. Those three qualities are exactly why demanding it without thinking can end a claim worth far more than the award.
8 min read · updated 2026-08-06
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Deadlines
Most policyholders assume the statute sets the deadline. In commercial property claims it usually does not — the policy does, and it is shorter.
9 min read · updated 2026-08-12
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