-
Monday 9am – 5pm
-
Tuesday 9am – 5pm
-
Wednesday 9am – 5pm
-
Thursday 9am – 5pm
-
Friday 9am – 3pm
-
Saturday Closed
-
Sunday Closed
Your Denver Insurance Claim Advocates Homeowners Trust
Payne Law is Colorado’s trusted legal partner for insurance claims. Specializing in property damage and personal injury claims, we’re here to help Colorado homeowners and residents recover what they’re rightfully owed after experiencing losses due to natural disasters, accidents, or denied insurance claims. Whether you’re dealing with storm damage, wildfire claims, or property disputes, our dedicated attorneys are committed to fighting for your rights.
As a leading insurance claim law firm now serving Colorado, Payne Law understands the unique challenges residents face when filing claims for property damage caused by Colorado’s weather, including hailstorms, wildfires, and floods. With our expertise, we help you navigate the complexities of insurance policies, disputes, and underpaid claims to ensure you receive the compensation you deserve.
Where We Work in the Denver Metro
From Downtown Denver and LoDo to RiNo, Highlands, Sloan’s Lake, Berkeley, Sunnyside, Cherry Creek, Capitol Hill, Washington Park, Platt Park, Baker, Five Points, City Park, Park Hill, Hilltop, Montclair, Lowry, Central Park (Stapleton), Green Valley Ranch, and Glendale, we represent policyholders across the metro. We also serve nearby cities and suburbs including Aurora, Lakewood, Arvada, Westminster, Thornton, Northglenn, Commerce City, Brighton, Broomfield, Wheat Ridge, Golden, Littleton, Englewood, Centennial, Greenwood Village, Lone Tree, Parker, Castle Rock, Castle Pines, and Highlands Ranch, as well as communities throughout Denver, Adams, Arapahoe, Jefferson, Douglas, and Broomfield counties and the greater Front Range (including Boulder, Longmont, Loveland, Greeley, and Fort Collins).
We also represent clients statewide throughout Colorado.
How We Help Denver Policyholders
- Policy & Damage Review: We analyze coverage, exclusions, sub-limits, and endorsements.
- Evidence & Scope: Photos, inspections, expert reports, and accurate repair estimates.
- Negotiation First: We push for fair payment and correct scope/pricing.
- Litigation Ready: If needed, we file suit and prepare for court.
- No Upfront Fees: Free case review; you don’t pay us unless we recover for you.
- Clear Communication: Regular updates and plain-English next steps.
Denver, CO's Practice Areas
Hurricane & Tropical Storm
Flooding, wind damage, and interior destruction.
Wind Damage
Roof leaks, broken windows, and structural issues.
Hail Damage
Roof dents, cracked windows, and siding damage.
Roof Damage
Full replacement, active leaks, missing shingles.
Water Damage & Leaks
Plumbing leaks, appliance overflows, and mold risk.
Mold Damage
Hidden growth, remediation, air quality.
Fire & Smoke Damage
Property destruction, smoke residue, and rebuild costs.
Lightning & Power Surge
Power surges, electrical fires, and system failure.
Tornado Damage
Structural collapse, debris impact, and roof loss.
Sinkhole Damage
Subsidence, foundation cracks, structural shift.
Snow & Ice Damage
Snow load, ice dams, and freeze-burst pipes.
Personal Injury
Car accidents, slip and falls, and serious injuries.
Commercial & Large Loss
Business interruption, vandalism, and fire damage.
Denied or Underpaid Claims
Low offers, delays, claim denials.
Common Insurance Claims in Denver
Weather and construction patterns drive the types of claims we see across the Denver Metro and the Front Range.
- Hail & Wind: bruised shingles, cracked tiles, dented soft metals, skylight damage, lifted flashing.
- Freeze/Burst & Ice Dams: ruptured supply lines, ceiling/wall saturation, attic wetting from dammed meltwater.
- Wildfire Smoke/Ash: HVAC contamination, soot on surfaces and contents, deodorization/cleaning needs.
- Water & Mold: failed plumbing in crawlspaces and basements, condensation issues, and hidden mold remediation.
- Commercial & HOA: flat TPO/EPDM membranes with seam/ponding problems, business interruption, and required code upgrades.
- Denied/Underpaid Claims: cosmetic-only arguments, missed line items (gutters, drip edge, ventilation), improper depreciation, slow carrier responses.
Roof & Building Considerations in Denver
Along the Front Range, asphalt shingle and concrete/clay tile roofs often look “repairable” after hail, but mat fractures, bruising, and accessory damage can justify full-slope or full-roof replacement—especially when impact-resistant (Class 4) materials and availability/matching issues are considered. Many commercial and multifamily properties rely on flat/low-slope TPO or EPDM membranes, where seam failure, punctures, ponding, and compromised flashing drive scope and pricing.
Hail and UV exposure can also damage skylights, gutters, downspouts, and soft metals that early estimates miss. Interior claims frequently involve basements and crawlspaces, with freeze events causing concealed water migration. Finally, Ordinance or Law items (ventilation, underlayment, edge metal, energy/code requirements) often apply in Denver jurisdictions and can materially increase what’s owed when covered.
Denver HOAs, Condos & Master Policy Claims
Community losses in Denver frequently turn on master policy vs. unit-owner HO-6 obligations. Associations typically handle roofs, exteriors, and common elements, while owners are responsible for interior build-back and contents—but governing documents and policy language can shift lines.
After hail or wind, we help boards maintain consistent scopes across similar buildings/elevations, manage deductibles and special assessments, and coordinate vendor access with minimal disruption. For unit owners, we clarify responsibilities, push for timely common-area repairs, and pursue covered interior restoration under the HO-6 where applicable—all with clean documentation and timelines carriers must respect.
Storm Season & Timing in Colorado
In the Denver area, late spring through summer brings the most intense hail and wind events; fall cold snaps and winter freezes create ice dams and burst-pipe losses; and regional wildfire smoke can contaminate homes miles from the flame front. Year-round, we see electrical issues from lightning and power surges, along with routine plumbing failures that lead to water and mold claims. If your loss tracks a recent storm, we can align date-stamped photos, radar/hail swaths, weather data, and contractor estimates to support coverage and accurate scope.
After-the-Storm (or Freeze) Checklist
- Photograph/video all exterior and interior damage (roof, gutters, skylights, attic, basement).
- Mitigate & save receipts (tarping, temporary heat, pipe thaw/repair, dry-out).
- Keep communications in writing with your insurer and vendors.
- Don’t sign broad releases or accept a quick “cosmetic only” offer.
- Send us your policy & photos for a free review—we’ll outline coverage and next steps.
When Denver Businesses Call Us
From LoDo and Downtown Denver to Cherry Creek, DTC/Greenwood Village, RiNo, and the I-70/I-25 corridors, businesses turn to us when hail, freeze, or system failures shut doors or drain cash flow. We document Business Interruption (BI) and Extra Expense, build clean books-and-records support, and press carriers to recognize real downtime.
On commercial roofs (TPO/EPDM, modified bitumen), we address seams, punctures, skylights, HVAC curbs, and surge-damaged equipment, ensuring scope and pricing reflect code and manufacturer requirements. In leased spaces, we sort tenant-improvement obligations among landlord, tenant, and the policy, then coordinate permitting and build-back so operations resume quickly. Our mandate is simple: protect revenue, control timelines, and secure every covered dollar.
- Deep experience with Denver, CO disputes
- Clear updates and a straightforward game plan
- We negotiate hard; then litigate when needed
- Serving homeowners, businesses, and HOAs across Florida
These testimonials and case results do not guarantee similar outcomes. Every case is unique and depends on the specific facts and circumstances involved.
More About Payne Law
We focus on guiding Colorado residents through the complexities of insurance claims with a strategic and informed approach. We understand that navigating property damage, personal injury, and insurance disputes can be overwhelming, which is why we equip you with the knowledge you need to make informed decisions every step of the way.
Our Colorado legal team specializes in handling a variety of insurance claim disputes, from hail and storm damage claims to wildfire-related losses and personal injury cases. We are dedicated to ensuring that homeowners and policyholders receive fair compensation when facing underpaid, denied, or delayed claims.
Serving Greater Denver & the Front Range
We’re proud to represent clients in Downtown Denver near Union Station, LoDo, and Civic Center, and around major landmarks like Coors Field, Ball Arena, Denver Botanic Gardens, City Park, and Cherry Creek, as well as suburbs across the Front Range including Aurora, Lakewood, Arvada, Westminster, Thornton, Centennial, Greenwood Village, Littleton, Highlands Ranch, Parker, and Castle Rock. If you’re outside the immediate metro, we handle claims statewide and coordinate everything by phone, text, and secure upload.
Our Process
Free Claim Review: Policy Declarations, photos, estimates, and inspection reports.
Scope & Value: We identify missing line items (roof system, underlayment, code upgrades).
Demand & Negotiation: We pursue fair payment; if the carrier stalls, we escalate.
File Suit if Needed: We litigate in Orange County and statewide to protect your rights.
Start With a Free Case Review
If the insurer is delaying, denying, or underpaying, we’re ready to help. Tell us what happened, we’ll confirm coverage issues, discuss strategy, and next steps.
Call (833) 467-2963 or Contact Us Online
- Proven Results
- No Fee Unless We Win
- Local Knowledge
- Insurance Experience
- Trial-Ready
Denver, CO Insurance Claim Frequently Asked Questions
Every case is different; the best answers come from looking at your facts, documents, and deadlines. Contact Payne Law for a free, no-obligation review and clear next steps.
What insurance claims are most common around Denver and the Front Range?
Colorado is a hail hotspot, so we regularly handle roof and exterior claims for asphalt shingles, tile, metal, skylights, windows, and siding. Wind events, freeze/burst pipes, ice dams, and wildfire smoke/ash/soot also create significant losses. Commercial buildings often have flat TPO/EPDM roofs with seam, flashing, and ponding issues. We document scope with photos, labelling, and expert input so carriers pay for what’s truly required to restore the property.
My roof looks “mostly fine” after hail, can I still have a claim?
Yes. Hail can bruise shingles, fracture mats, dent metal, crack tile, damage skylights, and compromise sealant/flashings without dramatic leaks on day one. Insurers may argue “cosmetic damage,” but many policies cover functional damage that shortens roof life or threatens water tightness. We evaluate slope-by-slope, check soft metals and accessories, and compare specs; where appropriate we argue for full-slope or full-roof replacement, particularly when impact-resistant (Class 4) materials or code upgrades are implicated.
Are ice dams and freeze/burst pipe losses covered in Colorado?
Often, yes—subject to policy terms. Denver’s freeze–thaw cycles can create ice dams that force meltwater under shingles and into walls/ceilings. Likewise, frozen supply lines or poorly insulated spaces can burst and cause significant water and mold damage. We help prove causation, document mitigation (dry-out, tear-outs), and present repair/rebuild estimates. Timing, prompt notice, and mitigation receipts matter; we’ll organize evidence so the carrier can’t downplay the loss as “maintenance.”
What about smoke and ash from wildfires, even if my home didn’t burn?
Smoke, ash, and soot infiltration can be covered when it affects HVAC systems, soft goods, and interior finishes—even if flames never reached your property. We pursue HVAC cleaning or replacement where needed, contents cleaning or replacement, and interior remediation. Carriers may minimize these claims; we counter with air/surface sampling (when appropriate), inventory support, and vendor estimates to ensure the scope matches the contamination.
My claim was denied or the offer seems low, what’s your process in Colorado?
We start with a free review of your policy, photos, inspections, and estimates. Then we rescope the loss (roof system, accessories, gutters, windows/siding, interior build-back, code/Ordinance & Law, and—on commercial—HVAC curbs/skylights). We negotiate first; if the carrier won’t move, we’re prepared to file suit in Denver Metro courts or appropriate Colorado venues. The goal is simple: correct the scope and pricing so you receive every covered dollar.
How long will my Denver claim take and what does it cost to hire you?
Timelines vary with carrier, complexity, and whether litigation is required. Fast documentation—photos, mitigation invoices, contractor estimates—helps speed things up. We handle most matters on a contingency basis with no upfront fees and provide straightforward engagement terms. You’ll get clear updates and expectations at each step so you know what’s next and why.
