Experience
Track record and recognition
What two decades of Colorado coverage litigation looks like, and an honest note about what any of it can tell you about your own claim.
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Years litigating coverage disputes in Colorado
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Recovered across the two firms' practices
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Years our partners have led CTLA committees
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Denver trial firms behind every file
Read this first
Colorado's Rules of Professional Conduct are strict about how lawyers describe past results, and for good reason: a verdict in someone else's case tells you very little about yours. Different policy, different endorsements, different facts, different carrier, often a different judge. Prior results do not guarantee or predict a similar outcome. What follows is context, not a forecast.
Recognition
The lawyers behind Colorado Coverage Lawyers have been recognised by Super Lawyers, named among the Top 100 Litigators in Colorado, listed in Best Lawyers, and admitted to the Million Dollar Advocates Forum. Michael Nimmo served as President of the Colorado Trial Lawyers Association, an organisation of more than 1,300 trial lawyers. Thomas Neville sits on CTLA's Board of Directors and has testified before the Colorado legislature on the regulation of insurance companies.
Those credentials matter less for what they say about past cases than for what they say about standing: these are lawyers the plaintiffs' bar asks to lead it, and lawyers the legislature asks about insurance regulation.
The kinds of matters we take
| Type of dispute | What is usually contested | Typical route to resolution |
|---|---|---|
| Business income after a covered closure | Period of restoration; what counts as continuing expense | Forensic accounting, then negotiation or suit |
| Commercial hail and wind | Scope of repair, matching, depreciation of labour | Independent estimate, appraisal or litigation |
| Fire and smoke losses | Cause and origin, code upgrade coverage, contents valuation | Expert-led, frequently litigated |
| Outright denial on an exclusion | Whether the exclusion reaches the facts at all | Coverage opinion, then declaratory or breach action |
| Delay with no decision | Whether the insurer had a reasonable basis to wait | Statutory bad faith claim under C.R.S. 10-3-1116 |
What actually moves a file
In our experience the single biggest predictor of a good outcome is not the size of the loss. It is whether the policyholder's number is independently supported before the first serious conversation with the carrier. An adjuster can argue with your opinion. It is much harder to argue with a forensic accountant's reconstruction of your revenue or an independent estimator's scope, prepared to the same standard the insurer's own experts use.
The second is time. Colorado's deadlines are shorter than most policyholders expect, and some policies shorten them further by contract. Files that come to us early have options; files that arrive with three weeks left on a suit limitation clause have fewer.
Ask us about matters like yours
We are happy to talk through comparable disputes we have handled in a first conversation, where client confidentiality allows. That is a more useful discussion than a list of numbers on a webpage.
No fee unless we recover
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