Insurance Law

Insurance Law — Make your policy pay what it promises

Denied, delayed, or underpaid claim? We interpret policies, map every layer of coverage, and hold insurers to their obligations—so you can focus on recovery while we press for full, lawful benefits, including bad‑faith remedies where available.

• Coverage disputes for auto (liability, UM/UIM, med‑pay/PIP), homeowners, renters, and commercial policies
• Bad‑faith claim handling: unreasonable delays, lowball offers, or improper denials
• Business losses: property damage, extra expense, and business‑interruption coverage
• Strategy aligned with related matters—personal injury, real estate title issues, and contract obligations

Based in Castle Rock and serving the Denver Metro, with a national expansion plan.

Our approach: map policies, press timelines, escalate when needed

We translate dense policy language into plain steps. Then we notify all potential carriers, align coverages with your losses, and move claims forward. If the insurer drags its feet or unreasonably denies your claim, we pursue remedies—up to and including bad‑faith litigation.

• Full coverage map: primary, excess, UM/UIM, endorsements, and exclusions
• Treatment‑first coordination for injury clients; property repair timelines for home/business claims
• Negotiation grounded in facts, policy language, and documented loss
• Litigation readiness, including statutory notice and evidence preservation

For a neutral primer on the concept of “bad faith,” see law.cornell.edu/wex/bad_faith .

Fees & billing

We match fee structures to your matter: contingency for select injury‑related coverage disputes, hourly or hybrid for complex commercial or property claims, and clear, written scopes in every engagement. Where fee‑shifting statutes or bad‑faith remedies allow, we seek recovery of fees and penalties as permitted by law.

• Transparent terms with budgets or milestones
• Contingency or hybrid options for eligible disputes
• Ongoing cost‑benefit assessments before escalation

Documents & evidence checklist

Start with what you have—we’ll prioritize the rest and request claim files as needed. Thorough documentation strengthens leverage and shortens timelines.

• Policy: declarations page, forms, endorsements, and any riders
• Insurer correspondence: reservation‑of‑rights letters, denials, adjuster emails
• Loss proof: photos, estimates, invoices, repair records; for injuries—medical bills and treatment notes
• Prior claims, appraisals, and relevant contracts or leases
• Third‑party info: police/incident reports, contractor assessments, expert evaluations