In 2009 and 2010, areas of Colorado took a beating from strong hail storms. Through contacts with adjusters, appraisers, and contractors alike, I have heard numerous stories about improper claims handling and appraisal tactics of many insurers over the past year. It appears that the state of Colorado has heard these same complaints as well.

In its annual report to the Colorado General Assembly, the Division of Insurance noted a significant increase in complaints against property insurers. While the report goes into some detail about the different reasons for complaints, around one quarter of the complaints against property insurers related to denials of claims. This is a significant increase from a mere eighteen percent the year before.

Despite the fact that many complaints were never substantiated or were resolved through other means, the Division of Insurance stated that it recovered more than $2.5 million in 2010 alone for unpaid property insurance policyholders. This was an average increased payment of around $2,500 per complaint.

As most of us know, the roof is one of an association’s most precious assets. We budget and plan years in advance for replacement and dread the day that a re-roofing project must start. Unfortunately, damaged roofs often lead to unpopular special assessments and unfriendly letters and phone calls from homeowners.

Hail can cause major damage to a roof, which may go unseen for a long period of time. If you are located in an area that has been hit by a hail storm, you should get a professional inspection and opinion as to whether you roof is damaged. Even if things seem fine now, failing to make sure your roof is secure could be costly later.

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Why choose Merlin Law Group?

Founded in 1985, our law firm continues to be dedicated to representing insurance policyholders throughout the United States. Collectively, our lawyers are licensed to practice in 25 states. In fact, many of Merlin Law Group’s attorneys worked for the insurance industry before joining the firm, so they bring a strong understanding of insurance company practices. Anyone can file a claim, but it takes experience, knowledge, and savvy to achieve a truly successful outcome. As The Policyholder’s Advocate®, Merlin Law Group aims to drive positive change within the insurance sector by obtaining justice for our clients and educating policyholders on how to navigate insurer bad faith tactics.

When we handle property insurance claim disputes, we hire the most experienced and qualified expert witnesses to evaluate your insurance claim and testify on your behalf. In most cases, we can advance the fees for this. Typically, we hire experts such as engineers, contractors, independent roofing consultants and other professionals to perform a thorough assessment on all possible causes of damages. This is a process that provides us with a very detailed and all-inclusive estimate for determining and justifying a proper settlement. Our use of these professional expert witnesses sets us apart from other insurance law firms.

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