The weather in Colorado runs the gamut. Depending on the season, you can find yourself confronted by windy conditions, the occasional hot spells, excessive rain and hail, and, of course, snow -- usually from mid-October to late April. Any of these natural conditions can lead to damage to your home. Anytime you discover home damage, make sure to read the fine print of your homeowners’ insurance policy to determine what is covered and what is not. For example, home insurance policies cover weather-related damage. Most policies cover water damage in situations that are accidental and sudden. Howe ..read more

When you bought your first vehicle, you also purchased insurance to cover what might happen in an accident – hopefully enough to cover any damage your vehicle sustained and any injuries you or someone else suffered. When the day comes that you actually are involved in a crash, you quickly learn how good your insurance is and, for some, if your insurance company is acting in bad faith. Insurance companies have standards they must meet. They must investigate and settle claims in good faith and can’t act in bad faith – in other words, use dishonest and unfair practices. Some of the most common wa ..read more

In a perfect world, making a claim with your homeowner’s insurance provider would be a straightforward process. An adjuster would check the damage. You would receive a check for the cost of repairing and replacing everything that was damaged. Of course, the reality is much different. Insurance providers are in business to make money. It’d be difficult to maximize their profits if they paid all claims in full. This means it’s the homeowner’s responsibility to advocate for what they need. The following are some steps you can take to help strengthen your insurance claim. Understand the limits of ..read more

If you are currently in financial difficulty due to what you feel to be negligence on the part of your insurance agent or broker, there are several things you need to know. The first point to understand is whether your insurance was proffered by an agent or a broker. An insurance agent is literally a representative of a specific insurance carrier, and you cannot sue that individual because they fall within the purview of the larger company. In this case, any claim you make would be against the company, which is bound by the actions of their agent. An insurance broker, on the other hand, ma ..read more

Businesses face threats from many angles. That includes unexpected events that are not in a business owner’s control, such as severe weather or repair work that impacts the use of a commercial space. Because of this reality, some companies here in Colorado opt to get business interruption insurance. So what, exactly, can business interruption insurance cover? Here’s a quick overview. What is business interruption insurance? Business interruption insurance is pretty much exactly what it sounds like. If some type of specified disaster or unexpected event makes it impossible to run your busin ..read more

When your Denver home suffers significant hail, water, fire, wind damage or more, you may find solace in knowing that your homeowners insurance policy should sufficiently compensate you. However, when your insurer delays your claim, you may feel frustrated in understanding how to get access to the relief you are due. While insurance companies should promptly process and pay all valid claims, your insurer may employ various bad faith tactics to delay, underpay or even deny your claim. If you find yourself waiting weeks or months to learn the status of your claim, what are your options? Reas ..read more

The spring thaw could cause significant water damage to your roof. Will your insurance cover you? How does spring endanger your roof? Your roof could be a major concern in the spring season. What’s worse, your insurance might not cover any leaks or damage due to the general seasonal “wear and tear.” Many people do not give their roof a second thought until something goes wrong which could create even more expenses. The following are ways your roof could suffer from water damage in the spring: Burst or frozen pipes Melting snow and ice dams Torn or dislodged shingles from scraping snow off ..read more