Author: Heather Kleinman

Roth Group Law > Articles posted by Heather Kleinman

Common Colorado Insurance Claims for Fall

deer in the woods

The arrival of Fall brings cooler days and a collective excitement for the upcoming holidays. Unfortunately, the drop in temperature and festive hustle-and-bustle can also result in an increase in certain types of insurance claims. Knowing the most common types of insurance claims filed in the fall can help you protect yourself against seasonal risks.  Top 4 Fall Insurance Claims in Colorado 1. Water Damage Water damage from freezing pipes is one of the most common insurance claims filed in colder weather. Inspect your plumbing system and irrigation system for signs of damage and make repairs as soon as possible. Take steps to...

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How to Get Your Pipes Ready for Winter

frozen pipe downspout

Freezing pipes account for a significant percentage of homeowners insurance claims during the colder months. Preparing pipes for winter ahead of time can help you avoid the inconvenience and expense of repairs.  Are Frozen Pipes Covered by Homeowners Insurance? In many cases, yes, your homeowners insurance should cover the damage (minus your deductible) resulting from burst pipes. This scenario falls under “accidental water damage,” which is generally covered under the dwelling protection component of your policy.  That being said, there are a couple exceptions when your claim may be denied: Damage occurred due to lack of routine maintenance Just as with other areas of the...

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Open Door Motorcycle Accidents in Colorado

car with door open

Most of us don’t give much thought to opening our car doors when parked along a road. We might absent-mindedly glance into the side view mirror to check for any oncoming vehicles, then fling open the door and go about our business. But this simple act can have significant consequences for an unseen motorcyclist, who risks injury or even death as a result of the sudden obstacle.  When a motorcyclist crashes into the passenger or driver’s side door of a motor vehicle, it is called an “open door crash.” Open door crashes may also occur when a motorcyclist suddenly swerves to...

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Phantom Vehicle Insurance Claims

woman on phone looking at car damage

Automobiles that are responsible for causing accidents without making physical contact are known as “phantom” vehicles, and they pose a serious threat. Most drivers will, at some point, find themselves in a situation on the road where they are compelled to make a risky maneuver due to the recklessness of another driver. They may have to suddenly swerve to miss hitting another vehicle, slam on the brakes, or veer quickly to the shoulder in an attempt to avoid an accident.  Sometimes these maneuvers pay off and a serious accident is averted. Other times, the worst happens: a collision still occurs, and...

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7 Unusual Colorado Driving Laws You May Not Know

traffic light on green against blue sky

Certain traffic laws go without saying: stopping at a red light, yielding to pedestrians, wearing your seatbelt. Other laws may not be as well-known, however, and are frequently violated by drivers as a result. As strange as some of these rules may sound, they are still law in the state of Colorado. You can be held liable and even face jail time if you are found disobeying any of these laws, especially if an accident occurs as a result. Here are the top unusual Colorado driving laws that you may not know.  Lesser Known Traffic Rules in Colorado 1. You Cannot Buy...

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Unfair Claims Practices in Colorado

insurance claim form on a clipboard

The Unfair Claims Practices Act is an important part of Colorado legislation that protects policyholders against deceptive behavior by their insurance company. The act outlines specific tactics that are illegal for insurers to utilize when processing a claim. An insurance denial that occurred while any such action was taking place can indicate a bad faith claim, which is grounds for legal action.  What Insurance Processing Tactics Are Illegal? Unfair insurance practices include any deliberate attempt to delay or deny a claim by means of deception, misrepresentation, or poor communication. The following scenarios are red flags and should be reported.  Frequent “Clerical Errors” Everyone makes...

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5 Warning Signs Your Roof Needs Work

damaged asphalt shingles

Storm season is in full swing in Colorado. One of the top reasons insurance companies deny roofing claims is due to lack of routine maintenance, or “wear and tear.” Knowing how to spot when your roof needs repairs or replacing will help you avoid an unexpected denial on your hail damage claim. This is our list of 5 warning signs that your roof needs some work. Top Signs a Roof Is In Need of Repairs 1. The Roof is Old If your roof has exceeded its natural lifespan, it is time to replace it. If you do not know the exact age of...

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