Denver Insurance Bad Faith Attorney
They Denied Your Claim. We Make Them Pay
You paid your premiums on time. They have a legal duty to pay your claim fairly. When they unreasonably delay or deny coverage, they are breaking the law.
Colorado Law Punishes Bad Faith
The Stall Tactics
Insurers often delay payment hoping you will get desperate and accept a lower offer. If they delay payment without a 'reasonable basis,' you may be entitled to penalty damages on top of what they already owe you.
The Blanket Rejection
A denial letter is not the final word. Insurers frequently misinterpret their own policies or ignore evidence to justify a denial. We audit the policy language to prove that your claim is covered.
The 2x Penalty
Colorado law is strict. If we prove the insurance company acted unreasonably, they may be forced to pay your attorney fees plus two times the covered benefit. We turn their greed into your compensation.
Direct Attorney Access
Insurance companies are massive financial institutions designed to collect premiums and deny payouts. They have teams of adjusters and defense lawyers whose only job is to find a loophole in your policy. You cannot fight them with a customer service call.
I founded VENYX Injury Law to level the playing field. Unlike general practice lawyers who dabble in insurance disputes, I understand the specific statutes and case law that govern bad faith in Colorado. I know how to read the 'fine print' that they use against you.
When you hire me, I take over all communication. I file the necessary complaints, demand the claim file, and force them to justify their decision in court. If they acted in bad faith, I make sure they pay the price
Common Insurance Disputes We Handle
Uninsured & Underinsured Motorist (UM/UIM)
You pay extra for UIM coverage to protect yourself from uninsured drivers. When your own insurance company fights you on a valid injury claim, it is a betrayal of your policy. We force them to honor the coverage you paid for.
Homeowners & Storm Damage (Roofing)
Colorado storms cause massive hail and wind damage. Insurers often try to 'patch' a roof that needs full replacement or claim the damage was 'pre-existing.' We work with independent adjusters and contractors to prove the true extent of the loss.
Commercial Property Claims
Business owners rely on insurance to recover from fires, floods, or theft. If your commercial insurer is delaying payment or undervaluing your inventory and structural damage, we can step in to protect your business assets.
Unreasonable Delays (The "Slow Walk")
A common tactic is to delay payment for months, hoping you will give up. Under Colorado law, insurers must investigate and pay claims within a reasonable timeframe. If they stall without cause, they are liable for penalties.
Lowball Settlement Offers
Insurers often use biased software or 'preferred vendors' to generate repair estimates that are thousands of dollars below the actual cost. We don't accept their math. We demand the real market value for your repairs.
Failure to Defend
If you are sued for an accident, your insurance company has a duty to hire a lawyer for you. If they refuse to defend you or settle within your policy limits, exposing you to a personal judgment, we can sue them for bad faith.
What We Recover For You
The Original Benefit
First, we force them to pay what they owed you in the beginning. Whether it is the cost of your roof replacement or the full limit of your auto policy, our priority is getting your valid claim paid in full immediately.
Double Damages
Because they acted unreasonably, they may owe you more than just the claim amount. Under C.R.S. § 10-3-1116, you can sue to recover two times the covered benefit as a penalty for their delay or denial.
Attorney Fees & Court Costs
In a standard lawsuit, you pay your own lawyer. In a successful Bad Faith claim, the court can order the insurance company to pay your attorney fees and litigation costs on top of your settlement. They pay for the fight, not you.
Common Questions About Insurance Bad Faith
What exactly constitutes "Bad Faith"?
It is more than just a mistake. Bad faith happens when an insurance company acts unreasonably. This includes denying a claim without a proper investigation, offering significantly less than what the claim is worth without justification, or delaying payment for months without a valid reason. If they are putting their profits ahead of their promise to you, it is likely bad faith.
Aside from calling a lawyer, what should I do right now?
Document everything. The success of a bad faith case often comes down to the paper trail. Save every letter and email you receive. Keep a log of every phone call, including who you spoke to and what was said. Take photos of the damage and any "repairs" they attempted. The more evidence we have of their delay and confusion, the stronger your case will be.
Can I sue my own insurance company?
Yes. This is called a "First-Party" claim. Whether it is your homeowners insurance denying a hail claim or your auto insurance refusing to pay UIM benefits, you have a contract with them. If they breach that contract by acting unreasonably, you have the right to sue them for damages and penalties.
They already sent a denial letter and closed my claim. Is it too late?
No. A denial letter is simply their opinion, not the law. Insurance adjusters often close files to get them off their desk, hoping you will give up. We can reopen the claim, demand a re-evaluation, and file a lawsuit if they refuse to correct their mistake. Do not let a "Case Closed" status stop you from fighting.
Why shouldn't I just file a complaint with the State Commissioner?
You can, but it rarely results in money for you. While the Division of Insurance regulates the industry, they often lack the power to force a company to pay a specific claim amount. Hiring a bad faith attorney puts a direct financial threat on the insurance company (via the threat of double damages), which is usually the only thing that motivates them to pay.
Don't Let Them Keep Your Premiums
You paid for protection, not excuses. If your valid claim was denied or delayed, we fight to recover up to 2x the damages under Colorado law. We handle your case on contingency—you pay $0 unless we win.