Colorado Matching Law

What happens when your property's exterior is partially damaged by a covered event, but the original roofing or siding materials are no longer manufactured? Mismatched repairs can have a huge impact on the value of your home, but is your insurance company obligated to match the repair materials to the existing materials? While the law in Colorado is not fully developed on this issue, there are legal trends indicating that your homeowner's policy may entitle you to a reasonable match and, when one is unavailable, to repair of even undamaged materials to ensure a uniform finish.

Top 5 ways to avoid risk as a general contractor

Working as a general contractor can be quite rewarding. You get to be your own boss, set your own hours, pick the projects you want and work with your hands. However, you are also at risk of finding yourself accused of making mistakes or doing a bad job by a client after you have already done the work on their home.

Minnesota District Court Grants Insureds Permission to Amend Complaint for Bad Faith Denial of First-Party Benefits

One of the most common questions our clients ask us is whether there is any way to make an insurance company pay for the legal fees and costs they have incurred in order to secure the coverage they're entitled to. Because claims are based upon the insurance policy, the answer to that question is, "usually not, except in rare circumstances."

Hail Storm Hits South Metro

A vicious storm tore through the south metro early this morning July 18, 2019, with high winds and large hail (1"-2+") in some parts of Burnsville, Prior Lake and Savage. After a storm rolls through, cleanup and repairs begin, and many don't know where to start.

Big Changes to the Colorado Appraisal Process

One of the most cost-effective tools for resolving disputed claims with insurance companies is the insurance "appraisal" process. Appraisal is an alternative dispute resolution mechanism in most Colorado insurance policies. It is designed to resolve claims outside of court, and consists of an appraisal panel reviewing and resolving a disputed claim amount. The appraisal panel is made up of one appraiser for the policyholder, one appraiser for the insurance company, and an umpire. Until just now, the two appraisers were generally on the "side" of either the insurance company or policyholder, while the umpire is a true "neutral." That all changed in the Dakota Station v. Owners Ins. Co. case.

Hail damage losses have increased since 2008

Adjusted for inflation, losses caused by hail damage totaled $19 billion in 2008. In a typical year previously, losses caused by hail damage would have been $8 billion to $12 billion. The trend of increased damage continued for the next decade, but no one is sure what is to blame. However, one possible explanation is that people are moving farther from cities, which means that hail damage can occur in a larger area.

Hail: When a storm comes, know when damage could happen

When you live in an area where storms are common, you know that there is a risk of hail. Hail can be very damaging, going as far as to damage your roof, rip through your siding and destroy the exterior of your home. Even smaller hail can cause damage if there is enough of it traveling at a high enough speed.

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