28 September

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Learn the Different Types of Auto Insurance

Most of us are aware that we need auto insurance, but knowing which option to choose can be complicated. There are several different types of car insurance, each with varying degrees of coverage. Researching the types of auto insurance before you buy will ensure you have the policy that best suits your needs. Auto Insurance Types and Differences Liability Insurance In most states, liability insurance is a basic requirement in order to legally drive a car. This type of insurance covers damages to personal property and bodily injury as a result of an accident. An important aspect of liability insurance is that it typically...

16 August

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Common Colorado Insurance Claims for Fall

Posted by Heather Kleinman

in Claims, Insurance

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...

22 June

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Most Common Insurance Claims for Summertime

Posted by Lindsay

in Insurance

Most of us look forward to summer with its warmer days, trips to the pool, and endless barbecues. Like any season, however, summer comes with inherent hazards that can lead to property damage or injury if you don’t take precautions. Certain insurance claims are much more common in the hotter months. Knowing what to look out for can help you avoid having to file one of these common summertime insurance claims and possibly deal with costly damage. Top 5 Insurance Claims for Summer 1. Fires Outside the Home Summer is the time for grilling. Unfortunately, grills are also a huge fire hazard resulting...

31 May

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Do You Need Cannabis Insurance?

Posted by Lindsay

in Insurance

Insurance for Colorado Dispensaries Cannabis is big business in Colorado. In 2020, the state’s 572 licensed dispensaries generated $1.2 billion in revenue. About one third of those sales occurred in Denver alone, accounting for nearly 6 percent of the city’s overall fund revenue. Recreational marijuana sales are heavily taxed and strictly regulated. Dispensary owners are expected to be well versed in current cannabis laws, especially those related to security, public consumption, allowable amounts, and legal age. Unfortunately, adhering to these strict regulations does not always protect marijuana retailers from legal recourse, especially from their customers. For example, if a customer purchased a product...

19 May

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Understanding Personal Liability Insurance

Posted by Lindsay

in Insurance, Legal Advice, Personal Injury

Most individuals understand that their homeowners insurance covers damages related to the home, personal property, and certain surrounding structures. They may be less aware that they are also covered, to an extent, in cases of personal liability. What is Personal Liability Insurance? Personal liability insurance protects an individual in the event that someone is injured on his or her property. It also provides coverage when someone living within the home damages another person’s property. Generally speaking, most personal liability claims happen as a result of negligence. If someone slipped on your sidewalk as a result of an un-shoveled snow, for example, you may...

15 March

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What To Do if You Have Fire Damage to Your Car

Posted by Lindsay

in Fire Damage, Insurance

car on fire in parking lot in front of brick house

Does Car Insurance Cover Fire Damage? There are many scenarios in which your vehicle might catch fire, resulting in significant damage to your car.. You may be wondering if any of these is covered by your auto insurance. Whether or not your vehicle is covered will depend predominantly on the type of insurance you have: comprehensive, collision, or liability insurance. What is Covered by Comprehensive Auto Insurance? If you have a comprehensive auto insurance policy, fire damage is generally covered. Comprehensive coverage pays for non-accident related repairs, including engine fires, wildfires, arson, or fires in the garage. Keep in mind that comprehensive coverage does...

02 February

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What is Proof of Loss in a Fire Damage Claim?

Posted by Lindsay

in Fire Damage, Insurance

paper house on fire exchange for paper money

If you have recently submitted a fire damage claim to your insurance company, your adjuster will likely require you to fill out a Proof of Loss form. This is a legal document that specifies the amount of monetary damage to property and belongings. When Should You Submit Proof of Loss? Your insurance adjuster will provide a deadline for the form. This date is important. If you miss your deadline, it can cause delays in your settlement or even be reason enough to deny the claim all together. Generally, you will have 60 days to submit your Proof of Loss Form, but this can...

24 January

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Filing a Fire Damage Insurance Claim

Posted by Lindsay

in Fire Damage, Insurance, Insurance Claim

If you have been the victim of a home fire, such as the devastation that occurred recently after the Marshall Fire in Boulder county, filing an insurance claim may be the last thing on your mind. However, once you and your loved ones have reached a safe location, it is imperative that you contact your insurance company as soon as possible. The sooner you do this, the sooner you can receive much-needed settlement money and begin the recovery process. Contacting Your Insurance Company For starters, you will want to contact your homeowners insurance carrier. This is the particular type of insurance under...

10 November

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Understanding Bad Faith Insurance Claims

Posted by Lindsay

in Claims, Insurance, Legal Advice

Policyholders pay insurance premiums under the impression that they will be reasonably assisted in the event they need to file a claim. They expect adequate coverage to pay for damages, and they assume they will be protected from any claims made against them by other individuals. In most cases, this is true. Insurance companies act in good faith, making reasonable pay-outs and negotiating in their policyholders best interests. Unfortunately, the opposite also happens. An insurance company may deny a claim without just cause, fail to communicate important matters, or offer a settlement that is far too low. What is a Bad Faith...

24 September

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Wrongful Death in Colorado

Posted by Lindsay

in Bicycle Accident, Insurance, Insurance Claim, Legal, Personal Injury, wrongful accident attorney

A wrongful death claim covers any death caused by the negligence of another. It allows a suit to be filed on behalf of the deceased and recover damages for surviving family members. Emotional suffering, financial loss, and medical bills can all be grounds for filing suit.Â ...