Denver Property Damage & Insurance Claim Lawyer

When hail strips your roof, a pipe bursts behind a wall, or a fire leaves your home unlivable, you expect the insurance policy you have paid for year after year to respond. Too often it doesn't. Adjusters minimize the scope of damage, approve repairs at a fraction of what Denver contractors actually charge, drag claims out for months, or deny them outright. Hollington Law Firm represents Denver-area homeowners and property owners when insurance companies delay, underpay, or deny property damage claims.

Our office is minutes from Denver in Englewood, and we handle property damage and insurance bad-faith matters across the metro area — from Washington Park bungalows and Highlands Victorians to new builds in Green Valley Ranch and commercial property along the Front Range.

Roof Damage and Roof Leak Claims in Denver

Roof claims are the property claims Denver insurers fight hardest. Freeze-thaw cycles, wind, and hail work on shingles and flashing until water finds its way in — and when it does, insurers frequently blame "wear and tear" or "deferred maintenance" to avoid paying. A roof leak rarely stays a roof problem: by the time staining shows on a ceiling, there is often insulation, drywall, and framing damage behind it. We push back on lowball scope and depreciation games and pursue the full covered loss.

Hail and Wind Damage

The Front Range sees some of the most damaging hail in the country, and Denver roofs, siding, gutters, and windows take the hit. Disputes over matching, depreciation, and actual cash value versus replacement cost are where hail claims go sideways. Our guide to hail and wind damage insurance claims in Colorado explains the common traps — and when an insurer's position crosses from hard bargaining into bad faith.

Fire and Smoke Damage

Fire claims are large, and insurers scrutinize them accordingly. Partial-loss disputes, smoke and odor remediation, and additional living expenses while your home is uninhabitable are frequent flashpoints. If your fire insurance claim is being delayed or was denied, Colorado law gives you more leverage than the adjuster's letters suggest.

Water, Plumbing, and Mold Damage

Burst pipes, failed supply lines, and sewer backups are among the most common Denver homeowner claims — and among the most frequently underpaid. Insurers dispute whether the plumbing failure was "sudden and accidental," cut mitigation reimbursement, and resist paying for mold remediation that follows water intrusion. Fast, well-documented claims handling matters; so does knowing when the insurer's delay itself is the problem.

Your Rights When the Insurer Acts Unreasonably

Colorado law gives property owners real leverage. Under C.R.S. § 10-3-1115, an insurer may not unreasonably delay or deny payment of a claim for benefits owed to a first-party claimant. If it does, C.R.S. § 10-3-1116 allows you to recover two times the covered benefit, plus attorney fees and court costs — on top of the benefit itself. That fee-shifting changes the economics of standing up to an insurance company: it makes it possible to fight a wrongly denied claim without the legal fees consuming the recovery.

Denied or Underpaid? What to Do Next

Keep everything: the denial letter, estimates, photos, and every adjuster communication. Get your own repair estimates from Denver contractors rather than accepting the insurer's pricing. Review the policy's notice and proof-of-loss requirements — and know that late notice does not automatically void a Colorado claim. Our step-by-step guide covers what to do after a homeowners insurance claim denial in Colorado, including appraisal clauses and when to involve the Division of Insurance.

Talk to a Denver Property Damage Lawyer

We review the policy, the damage, and the insurer's conduct, and we tell you honestly whether you have a claim worth pursuing — including whether the facts support a statutory bad-faith action with fee shifting. Start with a free screening call, or read more about our property damage insurance claim work.