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Recover What You’re Owed with Vargas Gonzalez Delombard’s Expert Legal Team

Unfortunately, insurance companies often delay or deny valid claims, leaving property owners frustrated and financially burdened. That’s where we come in—our expert attorneys have extensive experience fighting for homeowners and business owners in Denver to recover the compensation they’re entitled to. Contact us today to book your consultation and learn more about your legal options.

A row of houses with snow covered roofs and lawns. The houses are two-story with attached garages and front porches. The sky is cloudy.

Types of Snow Damage We Handle

We assist Denver property owners with a variety of snow-related damage claims, including:

  • Roof Collapse: Heavy snow loads can cause catastrophic structural failure.
  • Ice Dams: Melting and refreezing snow can lead to water leaks and significant interior damage.
  • Frozen Pipes: Burst pipes caused by freezing temperatures can result in costly repairs.
  • Storm Damage: High winds accompanying snowstorms can rip shingles off roofs, damage siding, and more.

No matter the nature of your claim, our attorneys will guide you through every step of the process with dedication and expertise.

Steps to Take After Snow Damage

Snow damage to your property can be overwhelming, but taking the right steps immediately can help protect your home or business and strengthen your insurance claim. Here’s what to do:  

Ensure Safety First

  • Assess your property for potential hazards, such as structural damage or downed power lines, before entering
  • If the property is unsafe, wait for professionals to evaluate it 

Document the Damage

  • Take clear photos and videos of all affected areas, including roofs, walls, interiors, and any damaged possessions
  • Record the date and time to provide accurate evidence for your insurance claim

Prevent Further Damages

  • Take temporary measures to mitigate further damage, such as covering leaks with tarps or clearing snow from vulnerable areas  
  • Keep receipts for any materials or repairs made; your insurance company may reimburse these costs

Review Your Insurance Policy

  • Check your policy for snow damage coverage, exclusions, and deadlines for filing claims
  • Note the deductible and coverage limits to understand what your policy offers

Contact Your Insurance Company

  • Report the damage promptly to begin the claims process
  • Provide your documentation and be prepared to answer questions about the extent of the damage

Avoid Quick Settlements

  • Insurance companies may offer low-ball settlements
  • Don’t accept an offer until you’ve thoroughly reviewed it or consulted an expert

Call Vargas Gonzalez Delombard

  • If your claim is delayed, denied, or undervalued, our experienced attorneys can help
  • We’ll fight for the compensation you deserve, handling all legal aspects while you focus on recovery
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Insurance Claims and Disputes for Snow Damage

Disputes over snow damage insurance claims often stem from disagreements about the extent of the damage, repair costs, or the interpretation of policy terms. Denver property owners dealing with these challenges can benefit from consulting a snow damage lawyer and collaborating with professionals to strengthen their claims.  

For example:

  • Hiring a Public Adjuster: Public adjusters work on behalf of policyholders to assess snow-related property damage, such as roof collapses or water leaks from ice dams. They provide an independent evaluation to ensure the damage is accurately documented and negotiate with the insurance company to secure a fair settlement.
  • Seeking Legal Representation: Legal representation may be essential if your insurer denies your snow damage claim or offers a settlement far below the cost of repairs. A lawyer specializing in snow damage and property insurance disputes can guide you through the process, whether it involves mediation, arbitration, or litigation. For instance, arbitration allows a neutral third party to provide a binding resolution, ensuring disputes are resolved efficiently and fairly.

How Denver Lawyers Fight for Snow Damage Compensation

Attorneys begin by carefully analyzing your policy to ensure that your claim is based on a solid understanding of its terms. Next, lawyers work with experts such as engineers, contractors, and public adjusters to assess the full extent of snow-related damage, such as roof collapses, water intrusion, or structural issues. This comprehensive evaluation ensures that all damages are properly documented and valued. During this process, insurance companies may attempt to:  

  • Deny claims based on exclusions or technicalities
  • Minimize payouts by undervaluing repair costs
  • Delay processing to discourage claimants

Experienced lawyers know these tactics well and fight back by presenting strong evidence, citing legal precedents, and negotiating aggressively to maximize your settlement. If your claim is denied, attorneys can file a formal appeal on your behalf. They’ll compile the necessary evidence, challenge the insurer’s reasoning, and advocate for a fair resolution. Perhaps most importantly, snow damage attorneys are prepared to take your case to court when negotiations fail. They’ll argue your case before a judge, demonstrating that the insurer acted in bad faith or could not honor the terms of your policy. In cases where insurers act in bad faith—such as knowingly delaying or unfairly denying claims—lawyers may seek additional damages, including punitive damages, to hold the company accountable for its actions.

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Confidently Recover and Rebuild with Vargas Gonzalez Delombard

Vargas Gonzalez Delombard stands by Denver property owners, offering unmatched legal expertise and a commitment to justice. With over a decade of experience in property damage law, our team has earned a reputation for excellence, compassion, and results. Here's why Denver property owners trust us:

  • Proven Track Record: Thousands of successful claims won for residential and commercial property owners.
  • No Fees Unless We Win: You only pay us if we secure compensation for your claim.
  • Relentless Advocacy: We fight insurance companies head-on to get the compensation you deserve.
  • Tailored Approach: Every claim is unique. We work closely with you to develop a customized legal strategy that meets your needs.

By partnering with Vargas Gonzalez Delombard, you gain a dedicated advocate. If snow damage has impacted your property, contact us today for a consultation, and let us help you rebuild with confidence.

Snow Damage Insurance Claim FAQ

Can I file a snow damage claim if the damage was caused by improper maintenance?

How long do I have to file a snow damage insurance claim in Denver?

What should I do if the insurance adjuster’s estimate is too low?

Does my policy cover the cost of temporary housing if my home is uninhabitable?

What are common reasons snow damage claims are denied?

Can I reopen a snow damage claim if more issues are discovered after the settlement?

What should I avoid when dealing with insurance companies after snow damage?

Can I file a snow damage claim if the damage was caused by improper maintenance?

Insurance companies often deny claims if they believe the damage resulted from neglect. However, if the damage occurred despite reasonable care, we can investigate your case, gather evidence, and argue against unfair denials.

How long do I have to file a snow damage insurance claim in Denver?

While most insurance companies require prompt reporting, Colorado law provides up to two years to file a lawsuit if necessary. Acting quickly is crucial to avoid missing any policy or legal deadlines.

What should I do if the insurance adjuster’s estimate is too low?

If the adjuster undervalues your claim, we recommend hiring an independent contractor or public adjuster for a second opinion. Our team can use this evidence to negotiate a fair settlement with the insurance company.

Does my policy cover the cost of temporary housing if my home is uninhabitable?

Many policies include Additional Living Expenses (ALE) coverage, which helps pay for temporary accommodations and other essential costs. We’ll confirm if your policy includes this benefit and ensure you receive the support you need.

What are common reasons snow damage claims are denied?

Claims may be denied due to alleged exclusions (e.g., gradual damage), insufficient documentation, or failure to mitigate further damage. We can challenge these denials and help secure the compensation you deserve.

Can I reopen a snow damage claim if more issues are discovered after the settlement?

Yes, many policies allow claims to be reopened if additional damage is identified. We’ll help you navigate this process to ensure the new damage is properly documented and compensated.

What should I avoid when dealing with insurance companies after snow damage?

Avoid making repairs before documenting the damage, signing quick settlement offers without review, or providing statements that might be used against you. Consult with us for guidance before communicating with your insurer.

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