House fire and smoke
Insurers dispute the cause, how far smoke and soot spread through the house, the contents list and today's cost to rebuild. We test each point against the policy and the evidence.
We're property damage attorneys for Colorado homeowners after a house fire, a frozen or burst pipe, a tree through the roof, a vehicle into the home or a total loss, working with a Colorado-licensed attorney of counsel. We check the policy and the adjuster's numbers, and push back where they fall short.
No fee unless we win: if there is no recovery you owe no attorney fee, but you may be responsible for costs, and for the other side's attorney fees if a court orders it.
A large loss is rarely settled with one check. Most homeowners policies split it into coverage parts, each with its own limit and rules, and an adjuster can pay one part fairly while shorting another. A complete file — the estimate, the contents inventory and your living-expense receipts — is what gets every part paid.
Before you signA release, or a check marked full and final payment, can limit what you can still recover. Send it to us before you sign or cash it. The review is free.
What we handle
We handle major losses across Colorado — pipes that freeze and burst in January cold snaps, high winds that drop trees on homes, and house fires from the Front Range to the Western Slope.
Insurers dispute the cause, how far smoke and soot spread through the house, the contents list and today's cost to rebuild. We test each point against the policy and the evidence.
A sudden burst is usually covered. The fight is over whether the insurer can call it a slow leak, wear and tear, or a failure to keep the heat on in a home left empty during a cold snap. We read the exclusion and the facts, and push back where they don't fit.
Once a tree or limb opens the roof, water and framing damage follow. Insurers may call the tree rotten or the damage old, and many policies limit tree removal separately from the repair.
A car or truck that hits your house is a property claim, and we handle that part. Your homeowners policy may pay for the house even when the driver's insurer is involved, and the two carriers can point at each other while repairs wait. We don't handle car or auto accident claims.
When a home is destroyed or unlivable, the questions become the policy limits, the real cost to rebuild at today's prices and how long living expenses last. We count every coverage part before you settle anything.
Colorado law says an insurer may not unreasonably delay or deny payment of a covered claim, and a policyholder may sue for two times the covered benefit plus attorney fees (C.R.S. §§ 10-3-1115, 10-3-1116). Regulation 5-1-14 generally requires a decision within 60 days of a valid and complete claim, and homeowners generally have three years to sue on the policy. We check every deadline first.
How it works
Most Colorado property owners are surprised how little they have to do once an attorney is involved — even with carriers used to policyholders who don't push back.
Free, confidential conversation. Bring your policy, the insurer's estimate or denial letter, and any photos taken before repairs began. If you've filed a complaint with the Colorado Division of Insurance, bring that file too.
Independent adjusters, engineers and contractors document the real scope of the loss, ideally before cleanup and demolition change the evidence.
We send the insurer a documented demand showing what the loss is worth and where the claim handling fell short. Many claims resolve at this stage.
If the insurer still won't pay fairly, we can file suit in Colorado state or federal court, with the resources to see it through.
Common questions
Damage that makes a big part of your home unusable, or a claim with several coverage parts in play: the structure, your belongings and living costs. House fires, burst pipes, trees through the roof, vehicles into the home and total losses are the usual examples. If you're not sure, send it to us.
Often, yes. A first payment can be based on an early estimate. We compare it with the policy and the actual damage and go after what's missing.
Not necessarily. Many homeowners sign an authorization so cleanup can start. Tell us what you signed and we'll review it with your claim.
Damage to the home from a vehicle is usually a covered cause of loss, and the driver's insurer may also owe. Every policy is different, so we read yours. We handle the property claim for your home, not the car or auto accident claim.
No fee unless we win. If there is no recovery you owe no attorney fee, but you may be responsible for costs, and for the other side's attorney fees if a court orders it. We walk you through exactly how fees and costs work before you sign anything. The first review is free.
It helps us route your claim to the right attorney quickly. A best guess is fine, and "Other / Not Sure" is always an option.
Ready to talk?
Call (844) 776-7364 or send the form for a free review of your Colorado claim.