Insurance Claims in Fort Collins, CO

What Are Insurance Claims?

Filing an insurance claim in Fort Collins, 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 Fort Collins, 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.

The Rocky Mountain Property Owners Association reported that until 2015, Colorado was in the top 10 states in the U.S. concerning property damage claims in regards to catastrophic events. One of the more common claims is flooding, due to both storms and the freezing and bursting of water pipes. However, wind and hail damage, tornadoes, and fires are also common claims in Fort Collins.

How to File a Property Insurance Claim in Fort Collins, 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 allows for a 60 day timeline for insurance companies to pay a legitimate claim in Fort Collins. However, it is important for you to know exactly what is in your policy, and how your policy works. According to the City Government of Fort Collins states that there is a yearly surplus of unclaimed funds, including insurance payments.

In addition to the 60 day timeline, you should remember that companies can extend this process. This can happen when an insurance company asks for further proof of damage, such as more pictures. The timeline can also be extended if there are a large number of claims filed at the same time, generally in response to some event like a storm. However, if you feel that your company is acting in bad faith regarding the payment of your legitimate claim, you should contact an experienced Fort Collins 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 Colorado Department of Motor Vehicles provides a guideline as to how to file and obtain a copy of your accident report if you were involved in a car crash in Fort Collins.  If a member of the Fort Collins Police department was present on the scene after the crash there is no need to file a report as you will give your statement to the officer. However, if no officer is called to the scene you are still required to file a report. These reports are not for law enforcement purposes, only for record keeping purposes. You can fill out an accident report online.

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 Fort Collins.

Health Insurance Claims

Fort Collins, 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 Fort Collins, 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.

Larimer County provides an online guide to the medical health network for the city. Filing a health insurance claim on your own behalf, especially the first time, can be somewhat daunting. However, it is important to remember that this is a process, and take the necessary steps. You’ll most likely receive an itemized bill detailing the treatments and services rendered. Make sure to thoroughly examine the bill so you are not being charged for something you didn’t receive.

Residents of Fort Collins should also be aware that the Colorado Consumer Health Initiative has stated that as of January 2022, surprise medical bills have been outlawed in the state. Surprise bills are unexpected balance bills that can be sent when a provider was supposed to pay a certain portion, but refuses. 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 Fort Collins, Colorado.

If your health insurance provider refuses to honor a claim, seek out a qualified Fort Collins 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!

How It All Works

Call us or answer the questions on this site. Your category, location, and additional information will help us connect you to a legal professional and we’ll send you the results instantly.

Which Areas of Law?

We have attorneys in over 20 legal categories to choose from.

How Much Does This Cost?

We don’t charge you to be connected. Some legal categories require upfront fees while others do not. The legal professional will determine this with you before you commit to anything.