Give Vargas Gonzalez Delombard, LLP a phone call at ORL (407) 794-3056 Give Vargas Gonzalez Delombard, LLP a phone call at MIA (305) 224-6387 Give Vargas Gonzalez Delombard, LLP a phone call at TX (469) 213-2237 Give Vargas Gonzalez Delombard, LLP a phone call at DEN (720) 442-0370
Free Case Evaluation
Freeze Damage Property Damage Storm Damage Snow Damage Insurance Claim

Denver Property Insurance Claim Attorneys

Coping with the aftermath of a natural disaster and the resulting property damage can be incredibly overwhelming. With the guidance of a property insurance claim attorney in Denver, you can better understand your rights and simplify the process. At Vargas Gonzalez Delombard, we are dedicated to offering the expertise and support you need to navigate your claim with confidence.

attorney smiling

Making Sense of Your Coverage

Before filing a claim, it’s crucial to clearly understand your insurance policy, including its terms, conditions, and specific coverage details. Here’s what to look for:  

  • Coverage Limits: Familiarize yourself with the maximum amounts your policy will cover for various types of losses.  
  • Deductibles: Know the out-of-pocket amount you are responsible for before your insurance coverage kicks in. This ensures you’re prepared and helps avoid unexpected costs.  
  • Exclusions: Identify what is not covered under your policy to prevent surprises during the claims process.

Steps to File a Property Insurance Claim in Denver  

Assess the Damage

  • Inspect your property carefully to document all damages caused by the event
  • Take clear photos and videos to provide evidence for your claim

Notify Your Insurance Company

  • Contact your insurer as soon as possible to report the damage
  • Provide them with initial details and follow their instructions on the claims process

Document Everything

Maintain a record of all communication with your insurer, including:

  • Emails
  • Phone calls
  • Receipts for repairs or temporary accommodations

Mitigate Further Damage

  • Take steps to prevent additional damage, such as covering broken windows or fixing leaks
  • Keep receipts for these emergency repairs, as they may be reimbursable

Schedule an Inspection

  • Cooperate with the insurance adjuster who will assess your property
  • Share all photos, videos, and records to support your claim

Work with an Attorney 

If your claim is delayed, denied, or undervalued, consult a property insurance claim attorney in Denver to advocate on your behalf and ensure you receive fair compensation.  

Negotiate and Settle

  • Once the adjuster completes their evaluation, review the settlement offer carefully
  • If the amount seems insufficient, don’t hesitate to negotiate or seek legal assistance

Finalize Repairs

After receiving your settlement, hire trusted contractors to repair your property and restore it to its pre-loss condition.

Stay Prepared for the Future

Use this experience to reassess your policy and ensure you have adequate coverage for future events specific to Denver, such as wildfires, hailstorms, or floods.

Background media

Potential Challenges in the Claims Process  

Navigating a property insurance claim often comes with several obstacles, including:  

  • Claim Delays: Insurance companies may take longer than expected to process claims, causing frustration and uncertainty.
  • Insufficient Compensation: Insurers might provide an offer that doesn’t fully cover the cost of necessary repairs or replacements.
  • Claim Denials: Claims can be rejected due to differing interpretations of policy terms or the circumstances surrounding the damage.

Property Damage Legal Services Offered by Vargas Gonzalez Delombard  

Our firm offers legal support for a wide range of property damage cases, including:

  • Plumbing Leaks
  • Storm Damage
  • Roof Damage
  • Sinkhole Damage
  • Water Damage
  • Wind Damage
  • Lightning Damage
  • Mold Damage
  • Business Interruption
  • Fire Damage
  • Hail Damage
  • Hurricane Damage
Banner media

How a Property Insurance Claims Lawyer in Denver Can Help

An experienced property insurance claims lawyer in Denver can guide you through the complexities of filing and settling insurance claims. Here’s how we can assist you:

Understanding Your Policy

We’ll review your insurance policy to clarify coverage, exclusions, and limitations. Our team will also explain any confusing legal terms, ensuring you fully understand your rights.

Assessing and Documenting Damage

We’ll help evaluate the extent of the damage and ensure thorough documentation to strengthen your claim.

Filing the Claim

Our team will ensure your claim is submitted on time, meeting all necessary deadlines to avoid delays or denials.

Negotiating with the Insurance Company

We’ll work to secure a fair settlement, addressing disputes or issues with underpayment. If your claim is denied, we’ll take action to appeal and advocate for the compensation you deserve.

Litigation in Property Insurance Claims

When negotiations with the insurance company fail to produce a fair resolution, we can take your case to court by filing a lawsuit. Our willingness to pursue litigation often motivates insurers to settle fairly before the case reaches trial.  

In most cases, insurance companies aim to avoid the time and expense of litigation, which can provide you with added leverage to secure the compensation you rightfully deserve.

Schedule A Consultation

Get a Free Case Evaluation

Protecting Your Rights in Denver

Insurance companies don’t always act in good faith, and some may engage in practices like delaying claim processing or misrepresenting policy terms. Our attorneys are here to protect your rights and ensure that insurers uphold their obligations.  

With in-depth knowledge of Colorado laws and familiarity with local insurance companies, our team will hold them accountable and work to ensure you’re treated fairly at every stage of the claims process.

Get in Touch with Us

At Vargas Gonzalez Delombard, we are dedicated to helping you secure the compensation you deserve for your Denver property damage. With our expertise and resources, we hope you feel confident in our ability to obtain a successful resolution. Contact us today for a free, no-obligation case evaluation. You can call us directly or reach out online for your convenience. Our experienced attorneys will thoroughly assess your case, answer your questions, and craft a personalized legal strategy tailored to your needs.

Banner media

Property Insurance Claims FAQ

What should I do if my insurance company is acting in bad faith?

Can I file a property insurance claim if I didn’t initially mitigate the damage?

How does Colorado’s insurance law impact my property claim?

What happens if my insurance policy doesn’t fully cover my losses?

Can I handle the claims process without an attorney?

How does hiring an attorney speed up the claims process?

What are the common reasons property claims are denied?

Does my insurance policy cover additional living expenses (ALE)?

What if the insurance adjuster underestimates my property damage?

What should I do if my insurance company is acting in bad faith?

Contact our legal team if you suspect bad faith practices, such as unnecessary delays, low settlement offers, or denied claims without valid reasons. We will investigate and take appropriate legal action to hold the insurance company accountable.

Can I file a property insurance claim if I didn’t initially mitigate the damage?

Insurance policies generally require you to take reasonable steps to prevent further damage after the incident. Your claim might face challenges if you don't, but we can still evaluate your case and help address any obstacles.

How does Colorado’s insurance law impact my property claim?

Colorado has specific statutes, such as the Homeowners Insurance Reform Act, which ensures transparency and fair treatment for policyholders. Our attorneys leverage these laws to protect your rights and maximize your claim.

What happens if my insurance policy doesn’t fully cover my losses?

If your policy limits fall short of covering your losses, we can explore additional avenues for recovery, such as filing claims against third parties or identifying other policies that might apply.

Can I handle the claims process without an attorney?

While it’s possible to file a claim independently, having an experienced attorney ensures that your claim is accurately prepared, deadlines are met, and disputes with the insurance company are effectively managed.

How does hiring an attorney speed up the claims process?

Insurers often prioritize claims involving legal representation due to the risk of litigation. Our attorneys streamline the process by ensuring proper documentation, timely filings, and proactive negotiation to minimize delays.

What are the common reasons property claims are denied?

Claims may be denied due to insufficient documentation, missed deadlines, policy exclusions, or disputes over the cause of damage. Our team can review the denial, address these issues, and appeal if necessary.

Does my insurance policy cover additional living expenses (ALE)?

Many policies include ALE coverage, which helps cover costs like temporary housing and meals while your home is uninhabitable. We’ll review your policy to confirm if this applies to your case.

What if the insurance adjuster underestimates my property damage?

We work with independent experts, such as contractors and appraisers, to provide accurate assessments of your property damage. These reports strengthen your case and support negotiations for a fair settlement.

house piled with snow
Freeze Damage

Freeze Damage

Man inspecting house
Property Damage

Property Damage
storm rolling in
Storm Damage

Storm Damage
Snow Damage Insurance Claim

Snow Damage Insurance Claim
This field is required.
Subscribe

Free Claims Consultation Tell Us About Your Case

Get a Free Case Evaluation
Contact us media
Accessibility: If you are vision-impaired or have some other impairment covered by the Americans with Disabilities Act or a similar law, and you wish to discuss potential accommodations related to using this website, please contact our Accessibility Manager at (720) 442-0370.
Contact Us