Insurance

Roth Group Law > Insurance

Understanding Personal Liability Insurance

man with cane has fallen on steps

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...

Continue reading

What To Do if You Have Fire Damage to Your Car

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...

Continue reading

What is Proof of Loss in a Fire Damage Claim?

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...

Continue reading

Filing a Fire Damage Insurance Claim

fire line do not cross yellow tape

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...

Continue reading

Understanding Bad Faith Insurance Claims

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...

Continue reading

Top 5 Reasons Insurance Companies Deny Roofing Claims

removing shingles on a roof

Top 5 Reasons Insurance Companies Deny Roofing Claims Roofing repairs and replacement fall under homeowner's insurance, which can vary significantly depending on individual companies and policies. For example, some comprehensive policies may include hail damage coverage, while others require that you select and pay for this coverage separately. In any case, you will want to review your policy thoroughly before undertaking any roofing repairs or a replacement. There are several instances where a new roof or more extensive repairs may not be covered, and the last thing you want is to be stuck with a massive bill because you didn't read the...

Continue reading