Colorado Property Insurance Claims: Complete Guide

Colorado Property Insurance Claims: Your Complete Legal Guide

If you're a Colorado homeowner dealing with a property insurance claim denial, underpayment, or delay, you need to understand your rights under Colorado law.

Understanding Colorado Property Insurance Law

The Colorado Division of Insurance regulates all property insurance companies operating in Colorado. As a policyholder, you have specific rights and protections.

Key Colorado Insurance Deadlines

2 years for most property claims (statute of limitations)

Colorado Bad Faith Insurance Law

Colorado recognizes bad faith claims under common law - insurers must deal fairly with policyholders

Common Property Damage Claims in Colorado

Colorado homeowners frequently file claims for:

• Hurricane and Wind Damage - Colorado experiences severe thunderstorms with damaging winds.
• Hail Damage - One of the most common claim types in Colorado, affecting roofs, siding, and vehicles.
• Water Damage - Pipe bursts, roof leaks, and appliance failures cause water damage claims throughout Colorado.
• Wildfire Damage - Colorado faces increasing wildfire risk, especially in mountain communities.

Fighting Insurance Claim Denials in Colorado

If your Colorado insurance claim was denied, you have options:

1. Request Written Explanation - Insurers must provide specific reasons for denial
2. Gather Documentation - Photos, estimates, and records strengthen your appeal
3. File State Complaint - Contact the Colorado Division of Insurance at 1-800-930-3745
4. Consult an Attorney - Colorado insurance lawyers can evaluate your case

Colorado Cities We Serve

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Contact a Colorado Property Insurance Attorney

Louis Law Group represents Colorado homeowners against insurance companies. If your claim was denied or underpaid, call 833-657-4812 for a free case evaluation.

Last updated: January 2026