Insurance Claims in Denver, CO

What Are Insurance Claims?

Filing an insurance claim in Denver, Colorado can be a stressful process. Every policy is different, and insurance companies may not pay you what you deserve. In some cases, hiring an insurance claim attorney is necessary. This page breaks down the nuances of  different types of insurance claims.

What Is a Property Insurance Claim?

A homeowner’s insurance policy is an agreement to protect the home from damage under specific occurrences. When you as a policyholder suffer a loss, you should find a dedicated Denver, Colorado property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your property.

If the insurer denies coverage or delays, policyholders should consult a property insurance attorney about a bad faith claim. If your claim goes to court and you win, you can often recover your court costs, attorney fees, and coverage benefits. There is also the possibility of recovering more money depending on the state laws under which you file your claim.

What Types Of Damage Claims Apply to Property Insurance?

Specific geographic regions impact the design of insurance policies. For example, Florida property insurance policies have more provisions for hurricanes versus earthquakes.

Denver residents should be aware that up until 2015, the Rocky Mountain Property Owners Association reported that Colorado was in the top 10 states when it came to damage claims resulting from catastrophes. Flooding is an incredibly common claim, but tornadoes, wildfires, and wind damage from severe storms are also problematic. In fact, the blizzard of 2003 was the most expensive storm in Colorado history, totaling nearly $120 million in losses due to damage claims.

How to File a Property Insurance Claim in Denver, Colorado

After you suffer a loss, you must contact your insurer as soon as possible. Taking this step begins the insurance claim process and gets things moving along. You need to notify your insurance company in writing or over the phone. From there, your insurer appoints a claim representative.

What to Expect Afterwards

The Colorado Code of Insurance Regulations grant 60 days to an insurance company to assess the legitimacy of your claim, and remand payment of the claim. However, it is important for you to know exactly what is in your policy, and what coverage you are eligible for. The Denver Post reports that several families were underinsured after their homes were struck by wildfires. This left them with too little money to rebuild. In fact, underinsurance is a growing problem in Denver.

It’s important to remember that claims are a process, and generally move slower than you would like. Insurance companies are within their rights to ask for more time, as well as ask for further evidence of the damage. They may also take longer to pay if there is a rush of flood of claims at the same time, for the same reason, such as a winter storm. If you feel that your company is acting in bad faith regarding the payment of your legitimate claim, you should contact an experienced Denver attorney to discuss what your next steps may be.

What Is an Auto Insurance Claim?

Auto insurance claims involve requesting compensation from an auto insurer after an accident. Car accidents are incredibly stressful, especially if there are uncooperative responsible parties. However, your insurer’s job is to work on your behalf to secure compensation for repairs, injuries and other expenses.

What Do You Do After a Car Accident?

The City of Denver is committed to their policy of Vision Zero, eliminating all traffic deaths. Therefore, they provide tips on what to do in the aftermath of a traffic accident. The law requires anyone involved in a collision, whether it is a motorist, bicyclist, or pedestrian, to provide information to all involved. You should also gather information from any bystanders who may have witnessed the accident. Call the police and stay on the scene til they arrive.

Once you’ve given your statement to an officer from the Denver Police Department or the Colorado State Patrol, you are free to leave. You should contact your insurance agent as soon as possible. This will allow your insurer to start the claims process. Make sure to share all information gathered with your agent.

Auto Claims Adjuster

Your auto insurance company will assign a claims adjuster to your claim report. Your adjuster acts as your representation in any mediation between you and all other involved parties. This insurance representative bears responsibility for investigating the claim and seeing that you receive compensation for any repairs or injuries.

Whether there are repair claims, personal injury claims, or you are dealing with someone who does not have insurance, your auto insurance adjuster should see you through the process. Your claims adjuster may recommend a garage to handle your vehicle repairs. They may also make arrangements for a rental vehicle if required. The most important thing to note is that your auto claim adjuster is your primary point of contact regarding the status of your claim in Denver.

Health Insurance Claims

Denver, Colorado policyholders file health insurance claims when they seek reimbursement for medical services or treatments. When you obtain a medical service from a provider, your health insurance carrier should become notified directly. If there are any discrepancies in your claim, consider hiring a health insurance claim specialist attorney.

How Do You File a Health Claim in Denver, Colorado?

There are two ways to file a health insurance claim on your behalf. The first is the medical facility notifies your insurer for you. You may be able to walk out of the facility without spending anything, but that depends on your policy. The other way is to file a health insurance claim yourself. Taking this route can occur when a health provider you use is not in your provider network. The facility may still file the claim on your behalf, but you may need to file it yourself.

The Denver Health Medical Plan (DHMP), provides a full claims guide for residents of the city looking to file on their own behalf. This process may seem overwhelming at first, as many choose to allow their medical provider to file for them. But it has been simplified by DHMP. you can file online, or through the mail. You’ll most likely receive an itemized bill detailing the care you received, as well as the sum total.

It’s important for Denver residents to know that the Colorado Consumer Health Initiative states that as of january 2022, surprise medical bills have been outlawed in the state. If you receive such a bill, contact the Colorado Division of Insurance, as well as an experienced attorney in Denver.

Work with an Experienced Local Insurance Lawyer in Denver, Colorado.

If your health insurance provider refuses to honor a claim, seek out a qualified Denver insurance claim attorney’s help. An insurance claim attorney can help if you have been improperly denied coverage or sent a bill for a service you never received. We can even help you connect with an attorney across Colorado state lines.

Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!

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