Colorado · Storm claim denied: what can I do?
Storm claim denied: what can I do?
See If You Qualify
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| Filing deadline | 3 years from denial/underpayment (breach of contract); 2 years for bad faith tortC.R.S. § 13-80-101(1)(a) |
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Deadlines vary with the facts of each case. A lawyer can confirm yours.
Updated
01 · Your filing deadline
What is the deadline in Colorado?
Colorado: 3 years from breach for breach of contract (C.R.S. § 13-80-101(1)(a)); bad faith under C.R.S. § 10-3-1116 — 2x covered benefit plus attorney fees for unreasonable delay/denial A lawyer can confirm yours.
Source: C.R.S. § 13-80-101(1)(a)
Deadlines vary; a lawyer can confirm yours. An older diagnosis or a past filing window does not, by itself, establish whether you have a claim.
02 · Where cases are heard
Where would my case be heard?
Colorado is the hail damage capital of the United States — the Front Range corridor from Colorado Springs through Denver to Fort Collins experiences more severe hail events than any other metro area in the country. The Marshall Fire of December 2021, while a wildfire, was wind-driven and destroyed over 1,000 homes in Boulder County, creating massive insurance disputes. Colorado has one of the strongest bad faith statutes in the nation: C.R.S. § 10-3-1116 allows policyholders to recover two times the covered benefit plus attorney fees for unreasonable delay or denial of claims.
Colorado storm damage lawsuits are filed in District Court in the county where the property is located. The Colorado Division of Insurance (DOI) regulates carriers and accepts consumer complaints. Colorado's bad faith statute (C.R.S. § 10-3-1116) provides one of the strongest policyholder remedies in the nation: if an insurer unreasonably delays or denies payment, the policyholder can recover two times the covered benefit plus reasonable attorney fees. This doubles the insurer's exposure and creates a strong incentive to settle legitimate claims promptly. Denver County, Boulder County, Arapahoe County, and El Paso County (Colorado Springs) District Courts handle the highest volume of hail and storm damage cases. Colorado juries tend to be educated and receptive to detailed evidence of insurer misconduct, making the state a strong venue for bad faith litigation.
How this works nationally
For the overall process and updates, read the Storm claim denied: what can I do? overview. This page covers the local information available for Colorado.
What happens when I check?
You answer a few short questions about what happened. If you send them, your answers are kept on file. If a participating law firm takes these cases, it may contact you. People's Justice is not a law firm.
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- C.R.S. § 13-80-101(1)(a)