Send us your policy

Yes. You send the declarations page, the full policy including every endorsement, and any letters the insurer has sent you. A lawyer reads all of it and tells you what we see. There is no charge for that and no obligation to hire us afterwards. If we take the case on, it is on a contingency fee basis — we do not make money unless you recover funds.

No. A denial letter is one company's reading of one document, written by someone whose employer pays the claim. It is not an adjudication. A large share of the denials we review rest on a policy term quoted without the exception that follows it, or on an exclusion that does not reach the facts. Insurers also reconsider denials regularly — particularly once the file is reviewed by counsel.

It depends on what kind of claim it is, and your policy may shorten the deadline by contract. Breach of an insurance contract in Colorado generally carries a three-year limitation period, and statutory bad faith claims under C.R.S. § 10-3-1116 have their own timing rules. Many commercial property policies contain a suit limitation clause of two years or less from the date of loss. Because the answer turns on your specific wording, treat every deadline as sooner than you think and get the policy read. See our guide to Colorado claim deadlines.

A coverage dispute asks whether the policy promises to pay. Bad faith asks whether the company behaved reasonably in deciding. Colorado has both a common-law bad faith claim and a statutory remedy under C.R.S. §§ 10-3-1115 and 10-3-1116, which allows recovery of two times the covered benefit plus reasonable attorney fees where a benefit is delayed or denied without a reasonable basis. The statutory claim does not require proving the insurer knew it was unreasonable — that is a meaningful difference. Read more on our bad faith page.