Insurance Claim

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Does Auto Insurance Cover Car Theft?

thief attempting to break into vehicle at night

The state of Colorado has seen an alarming increase in the number of car thefts in recent years. In fact, as of 2022, it is the top state in the nation for auto theft, with over 24,000 cars already stolen in the first half of this year. If you or someone you know has been a victim of car theft, you may be wondering what to do next and if your vehicle’s insurance will reimburse you.  Why Is Car Theft on the Rise? The most likely reason that car theft is increasing is because it is more lucrative. Inflation and supply chain...

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Single Car Accident Insurance Claims

woman on phone after single car accident

The majority of car accidents involve at least two vehicles. However, there are times when only one car may be involved. These accidents, also called “single-car” accidents, occur for a variety of reasons and can be very difficult to prove on an insurance claim. You will need to take careful steps to document your single-car accident in order to receive compensation for damage to your car or for bodily injury.  What Causes Single Car Accidents? Single-car accidents can be caused by any number of reasons, but one of the leading causes is driver negligence. This can be in the form of distracted...

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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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The Dram Shop Law in Colorado

pouring shots of whiskey as an illustration of a dram shop

Third Party Liability in Drunk Driving Accidents Sadly, drunk driving remains one of the leading causes of fatal car accidents in Colorado. Impaired driving was responsible for approximately one third of all traffic fatalities in 2021, and that number continues to increase. It is fairly common knowledge that a person driving under the influence will be held responsible for a crash. He or she will not only be liable for property damage, but also any injuries or death resulting from the accident. Legal repercussions include license suspension, fines, community service, and even jail time.  What is less common knowledge is that a third...

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What Do Adjusters Do?

man with clipboard inspects property damage

Insurance companies employ adjusters to help facilitate the processing of a claim. Whether you are seeking reimbursement for home, auto, health, or life insurance, odds are you will be working directly or indirectly with an adjuster. In general, adjusters exist as a liaison between the policyholder and the insurer. The work of an adjuster can be broken down to accommodate various subtasks and specialties. We will take a look at three common types of adjusters and their typical responsibilities.  Company Adjuster A company adjuster is the most common type of adjuster. These individuals are employed by your insurance company to help process your...

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Why Is Hail So Destructive?

hand holding a large hailstone

How to Know When Hail Will Cause Damage Hail is very much a part of Colorado’s storm season, and it is the primary culprit in millions of dollars in insurance claims every year. To understand why hail is so destructive, it is useful to learn how and why it occurs in the first place. Reviewing the science of hail formation can also be helpful in predicting when it might happen next. What Is Hail? Hail is a kind of frozen precipitation that occurs during a thunderstorm. It begins as water droplets (rain) that are carried upwards by strong wind currents called “updrafts.” These...

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Common Roofing scams and How to Avoid Them

sign reads scam alert against sky back drop

Colorado’s storm season is rapidly approaching. In addition to preparing your home for physical damage and reviewing your insurance policy, you will also need to brace yourself for potential roofing scams.  Unfortunately, areas that have recently been hit by storms are prime targets for roofing scammers. Scams are also prevalent in areas with large senior populations or with older model homes. Being aware of some of the more common roofing scams can help you avoid becoming a victim.  Top 5 Roofing Scams   1. The Storm Chaser Immediately after a storm, national companies will often send hundreds of sales representatives to the most severely impacted...

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How to File a Roof Damage Claim

badly damaged gable roof

Insurance Claims for Storm Damage If you have suffered damage to your roof from a recent storm, you will need to file a claim with your homeowners insurance company to receive funds for repairs or replacement. First, you will want to be sure there are no immediate hazards associated with the damage, such as fallen trees or downed electrical lines.  Steps to File Roof Damage Claim Once you have established that the surroundings are safe, take the following steps to file an insurance claim: 1. Inspect the Damage Take photographs of any damage that has occurred to your roof, siding, windows, downspouts, etc. You can...

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How to Prepare for Storm Season in Colorado

Lightning flashes across purple sky

Colorado's Hail Season Begins in April Storm season in Colorado is one of the longest and most severe in the country. From about mid-April to mid-August, we are wracked by thunderstorms that can bring damaging winds, lightning, and hail. Hailstones, in particular, can cause significant damage to your property. Colorado's Front Range forms the heart of what is known to meteorologists as "Hail Alley." Along with Wyoming and Nebraska, we see an average of 7-9 days of hail per season. That may not seem like a lot, but it is significantly higher than the rest of the nation. In addition to having more...

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