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Leading Legal Experts for Storm Damage

An experienced storm damage lawyer in Denver from the Vargas Gonzalez Delombard Law Firm can offer the guidance you need to secure fair compensation. Our team is committed to overcoming insurance obstacles and ensuring you receive the treatment you deserve after facing damages that strain your finances. We have successfully represented clients in Denver dealing with severe roof damage, structural issues, and flooding, helping them obtain the compensation they are entitled to. Contact us today to book your consultation.

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How Denver’s Weather Can Impact Your Property

Specific geographical locations, such as Denver, are particularly prone to severe weather events, including:

  • Hailstorms
  • Heavy snow
  • Occasional tornadoes

Keep the following in mind:

  • These events can cause significant property damage, such as roof damage, shattered windows, and structural issues
  • Secondary complications like water intrusion, mold growth, and compromised building integrity often exacerbate the initial damage
  • For example, a hailstorm can severely impact a roof, leading to leaks and water damage that may promote mold growth and weaken the structure further

Steps to Take After Storm Damage

Ensure Safety First

  • Assess your property for immediate hazards such as downed power lines, broken glass, or unstable structures
  • Evacuate if necessary and prioritize your safety and that of your family

Document the Damage

  • Take detailed photos and videos of all visible damage to your property, including roofs, walls, windows, and personal belongings
  • These records will be essential for your insurance claim

Secure Your Property

  • Prevent further damage by covering broken windows, patching roof leaks with tarps, or taking other temporary measures
  • Keep receipts for any emergency repairs to submit with your claim

Review Your Insurance Policy

Familiarize yourself with your policy’s coverage, deductibles, and exclusions to understand what losses may be covered and how to proceed with your claim.

Notify Your Insurance Company

  • Report the damage as soon as possible to start the claims process
  • Provide them with your documentation and follow their instructions carefully

Hire a Professional Inspector

  • Consider bringing in a licensed contractor or independent adjuster to assess the damage and provide repair estimates
  • Their evaluation can support your claim and ensure accuracy

Keep a Record of Communications

  • Maintain detailed records of all correspondence with your insurance company, including emails, phone calls, and in-person meetings
  • Document dates, times, and the content of discussions

Consult with an Attorney if Necessary

If your claim is delayed, denied, or undervalued, a property damage attorney can help you navigate disputes and advocate for fair compensation

Hire Reputable Contractors for Repairs

  • Once your claim is settled, choose trusted, licensed contractors to perform repairs
  • Avoid storm-chasing contractors who might offer low-quality work

Plan for the Future

Use the experience to reassess your insurance coverage and make necessary upgrades to protect your property from future storms, such as installing impact-resistant windows or reinforcing your roof.

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Insurance Claims and Disputes in Denver

Disputes over property damage claims can arise due to disagreements about the cause of the damage, repair costs, or the interpretation of insurance policy terms. Denver property owners facing such disputes may benefit from consulting a storm damage lawyer and working with a qualified adjuster to strengthen their claims.

For example:

  • Hiring a Public Adjuster: Public adjusters act on behalf of policyholders to assess property damage and negotiate with insurance companies. They provide an independent evaluation to ensure an accurate assessment of the damage and help secure a fair claim settlement.
  • Seeking Legal Representation: Legal representation may be necessary if an insurer denies your claim or offers an inadequate settlement. A lawyer specializing in storm damage and insurance law can guide you through the process, whether it involves mediation, arbitration, or litigation. Arbitration, in particular, allows a neutral third party to make a binding resolution, helping resolve disputes efficiently.  

Navigating insurance claims and disputes can be challenging, but with the right support from professionals familiar with Denver’s laws and weather-related risks, you can protect your rights and secure the compensation you deserve.

How Lawyers Fight for Storm Damage Compensation

Attorneys play a vital role in ensuring property owners in Denver receive fair treatment from insurance companies. For example:

Evaluating the Claim's Validity

Lawyers can thoroughly review the insurance policy and assess the damage to determine the validity of the claim and ensure it aligns with the policy's terms and coverage.

Assisting with Claims

From filing claims within the required deadlines to negotiating with insurers, a storm damage attorney in Denver can handle the entire process, alleviating stress for property owners and ensuring compliance with Colorado regulations.

Clarifying Legal Rights and Coverage

Attorneys can explain the extent of your legal rights and the scope of your insurance coverage, helping you fully understand your policy protections and exclusions.

Negotiating with Insurance Companies

Experienced attorneys advocate for a fair settlement by negotiating directly with insurers. The attorney can escalate the matter to litigation if the insurance company fails to comply with its contractual obligations.

Representing Clients in Court

Should litigation become necessary, a storm damage attorney in Denver can present compelling evidence of the damage and argue for rightful compensation. Insurers often take an attorney’s litigation experience as a strong incentive to settle fairly.

Guiding Mitigation and Recovery Efforts

Beyond handling legal disputes, lawyers can provide guidance on mitigating further damage, ensuring compliance with Denver’s building codes and permitting requirements during repairs, and seeking assistance from local or federal disaster recovery programs. Non-compliance with regulations could lead to fines, delays, or even claim denials, so adhering to these requirements is critical.

Vargas Gonzalez Delombard Stands Strong When Storms Hit

The complexity of insurance claims and the unfair practices of some insurance companies can make securing compensation difficult. At Vargas Gonzalez Delombard, we are dedicated to protecting your rights. With a proven track record of success, we are committed to fighting for the compensation you deserve. 

We work on a contingency basis, so you don’t pay us unless we win your case. When a storm hits Denver, you and your family don’t have to face the aftermath alone. The Vargas Gonzalez Delombard Law Firm will stand by your side, providing unwavering support from start to finish. Call us in Denver or reach out online to get started.

Storm Damage FAQ

What types of storm damage are typically covered by homeowners’ insurance?

How do I know if my storm damage claim was undervalued?

Can I file a storm damage claim if the damage worsens over time?

What should I do if my insurance company denies my claim?

Does my policy cover temporary repairs to prevent further storm damage?

How long does it take to resolve a storm damage claim?

What if a contractor finds additional damage after the claim is settled?

Can I file a claim for storm damage to my business property?

What types of storm damage are typically covered by homeowners’ insurance?

Most policies cover damage from wind, hail, lightning, and snow. However, coverage may vary for flooding, ice dams, or secondary issues like mold. We can review your policy to clarify what is included and excluded.

How do I know if my storm damage claim was undervalued?

Signs of an undervalued claim include repair estimates significantly higher than the settlement offer or the insurer ignoring secondary damages like water intrusion. We can work with independent experts to evaluate your claim and ensure fair compensation.

Can I file a storm damage claim if the damage worsens over time?

If the initial damage wasn’t promptly addressed, insurers may argue it’s due to neglect. However, if the progression of damage was unavoidable or occurred despite mitigation efforts, you may still have a valid claim. We can help build a strong case.

What should I do if my insurance company denies my claim?

If your claim is denied, request a written explanation from the insurer. We can review the denial, identify errors or unjustified reasons, and appeal or litigate if necessary to secure your rightful compensation.

Does my policy cover temporary repairs to prevent further storm damage?

Many policies reimburse temporary repairs, such as tarping a roof or boarding up windows. Keep all receipts and documentation to submit with your claim.

How long does it take to resolve a storm damage claim?

The timeline depends on the complexity of the damage and whether disputes arise. Claims without issues may take weeks, while those requiring negotiation or litigation can take months. We expedite the process by addressing delays and advocating for prompt resolution.

What if a contractor finds additional damage after the claim is settled?

If more damage is discovered post-settlement, you may be able to reopen the claim. We can assist in providing supplemental documentation and negotiating with your insurer to cover additional repairs.

Can I file a claim for storm damage to my business property?

Yes, commercial property insurance covers storm-related damages to business premises, inventory, and equipment. We can guide business owners through the claims process to minimize financial disruption.

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