Colorado Insurance Claim Denials Attorneys
When you file a claim, you expect your insurance company to fulfill its promises. Unfortunately, they often resist full payouts and prolong claims to minimize its costs. Our team steps in to hold insurers accountable for bad faith practices—wrongfully denying or delaying legitimate claims. You shouldn't have to battle your insurance company. We’ll advocate for you, ensuring you receive the compensation your policy guarantees.
Areas Our Colorado Insurance Claim Denials Lawyers Serve
Common Reasons for Insurance Claim Denial Disputes in Colorado
Insurance disputes can arise from almost any type of policy — home, auto, health, or commercial. These conflicts typically stem from a few recurring issues:
Insurance outright denies a claim, citing an ambiguous policy exclusion
An insurer drags out a claim investigation until the policyholder gives up
A business loses income after a covered event, and the commercial policy doesn't pay out
A homeowner's claim for storm, fire, or water damage is underpaid or rejected
How Our Colorado Insurance Claim Denial Attorneys Can Help You
Colorado law prohibits insurers from unreasonably delaying or denying valid claims. Here’s how we enforce your statutory rights and protect your recovery.
Identify the legal flaws in your insurer’s position and uncover valid paths to coverage
Handle every aspect of your claim, including negotiating with opposing adjusters and insurance counsel
Manage the appeals process, from internal appeals to an external review with the Colorado Division of Insurance
Build a strong case with medical records, expert opinions, and other documents to prove your claim’s value
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Meet Our Insurance Claim Denials Attorneys in Colorado
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FAQs
An unexpected claim rejection by your insurance company can be a massive setback in your recovery plans. Don’t give up if you feel there’s any chance that your claim was denied unfairly. There are steps you can take:
Compare Your Policy With Denial Paperwork
Insurers must provide written, policy-backed reasons for denials. Compare the reasons for denial with your policy to assess their validity. Look for specific exclusions or limitations matching the given reasons.
Request an Appeal
You can request an internal review by filling out an official appeal form. A new adjuster will be assigned to review your claim. A new pair of eyes might see your claim in a different light that benefits you.
Stay on top of your claim’s progress. Insurers might use this time to delay a potential lawsuit. Colorado has a 2-year limit to sue for bad faith insurance practices. Breach of contract claims have a 3-year limit.
Seek Outside Help
If you tried the first two steps but still can’t get anywhere, bring in an outside professional.
A lawyer can negotiate with your insurer, subpoena documents, gather additional evidence, and file motions in court on your behalf.
Filing errors: Missing info or incomplete forms look suspicious. Double-check all details.
Misreading policy: Know your policy well. Don't just guess what's covered. Review it carefully. Ask for clarification if needed.
Coverage lapse: Pay your premiums on time. Missing payments can cause coverage loss.
Uncovered damage: Policies cover specific events. Damage outside this scope may be denied. For example: You have wind and rain coverage. But you didn't add flood coverage. Your insurer might deny flood damage claims.
Always check your forms. Know your policy well. Pay on time. Understand what's covered. Report promptly. These steps can help avoid claim denials.
Insurance providers act in bad faith when they try to renege on their obligations. This can include:
· unreasonably denying claims,
· delaying investigations, or
· refusing to defend you if you are sued or potentially liable.
Colorado Revised Statutes § 10-3-1115 prohibits insurers from unreasonably delaying or denying claim payments.
Insurers must verify legitimate claims, promptly review policy coverage and limits, and investigate and determine loss causes. They should also request supporting documentation for claims and verify policy term compliance. If an insurer fails to engage in these actions, they may be violating state law.
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