What we handle
Five closely related fights, all of which begin with the same document: the policy your insurer wrote and you paid for.
Lost income and extra expense after a shutdown.
Unreasonable delay and denial under C.R.S. 10-3-1115.
Hail, wind, fire, water and collapse losses.
Reversing a wrongful denial or a lowball payment.
A written read of what your policy actually covers.
Where they overlap
A denied hail claim is a property damage case and a denial case. Add three months of silence and it becomes a bad faith case as well. Pick whichever description fits — we will sort out the labels.
Start with business interruption. The questions are whether the shutdown was triggered by a covered cause of loss, how long the period of restoration runs, and what the income calculation should include. If the insurer has already said no, the denial and bad faith analyses run alongside it.
The fight is rarely about whether the storm happened. It is about scope, matching, code upgrades and depreciation — and about whether the loss of use that followed is separately payable.
Delay is its own claim in Colorado. An insurer that sits on a benefit without a reasonable basis faces the same statutory exposure as one that denies it outright — and a policy review will tell you whether the benefit was owed in the first place.
Two minutes, five questions
This is not legal advice and it is not a substitute for reading your policy. It is the same short triage our intake lawyers run before they book a call.
No fee unless we recover
Send us the policy and the letter your insurer sent. We will read both and tell you honestly what we see — at no cost and with no obligation.
Send us the basics. A coverage lawyer — not an assistant — reads every submission.