In This Time of Crisis and Civil Unrest:

Learn how to protect your business, get your full compensation, and why your first call should be to an attorney

Find out if you’re covered – contact us.

Schedule a Free Consultation at
(866) 497-6106






When an insured is sued in court, the insurance company is responsible to pay for the insured’s representation. In Mount Hawley Insurance v. Casson Duncan Construction, Inc., 409 P.3d 619 (Colo.App. 2016), the Colorado Court of Appeals held that an insurance company’s responsibility to pay for the insured’s defense applied regardless of whether the damages in the case were covered by the policy holding that an insurance company is responsible to pay “costs” even if the underlying “damages” are found not be covered by the policy.

Insurance companies often have significant advantages over individual insureds. Claims from property damages caused by “all risks” are often denied as a result of misinterpretations of coverage, breach of contract, and disputes over value. Carriers are obligated to negotiate these things in good faith – and often don’t. As a result of poor insurance company behavior, a named insured may sustain damage to his or her home that greatly devalues a person’s most important asset, their home, an insured may lose business income if the a commercial building his or her business is located it is damaged by hail, fire, or flood, or a commercial building owned by you may sustain damage which results is lost rents from tenants who were forced to leave the building due to damage caused by hail, fire, or a flood. We ensure that these types of damages are accounted for.

Disputes between a policyholder and their insurance company about the “amount of loss” can be stressful and confusing. Furtado Law PC is committed to holding insurance companies accountable for a fair and cost-effective appraisal process.

This includes a “Proof of Loss” declaration under penalty of perjury. It is wise to consult with a qualified professional when submitting this document. If the “Proof of Loss” is found to be inaccurate, coverage under the policy may be voided.

Appraisers not only help determine the amount of loss, but may also help determine the cause of loss. In Auto-Owners Insurance Company v. Summit Park Townhome Association, 100 F. Supp 3d 1099 (D. Colo. 2015) the court held that the cause of loss is an essential part of determining the amount of loss. Furtdao Law PC is litigating Certain Underwriters of Lloyd’s of London v. Southwind and Eastpointe Homeowners Association, Inc. (Case No. 1:16cv01288-MJW) where this ruling has been applied.

It is important that qualified professionals assist policyholders with the appraisal process. Insurance companies often attempt to influence the process by choosing biased appraisers to assist them. Some companies undermine the process by claiming an appraiser cannot determine the scope or cause of loss, and otherwise attempt to delay the process by interfering with the appraisal.

Furtado Law PC has sucessfully navigated the appraisal process for its clients.

Insureds are often served in the insurance market not by the insurance companies themselves, but by brokers who work with multiple underwriters. The brokers are responsible to represent the terms of the policy correctly. In DC–10 Entertainment, LLC v. Manor Insurance Agency, Inc., 308 P.3d 1223 (Colo.App. 2013), the Colorado Court of Appeals reversed a trial court decision against the insured by holding that the insurance broker was liable due to its failure to obtain the specific coverages requested by the business owner.

Civil Unrest, Rioting, Looting, & Vandalism: Using the Law to Protect Your Business & Life

We may be in the middle of the greatest social crisis of our lifetimes. Never before have we collectively faced such a siege on our families, homes, and livelihoods. Business has gone from mere interruption to, in many cases, full-scale physical destruction through vandalism, fire, and theft.

How can we help?

As a business insurance policy holder, you know you’re entitled to compensation. What you don’t know is that you’re likely entitled to more coverage than you realize. To understand your policy’s full potential can require an expertise and experience you don’t have. Worse, the cost of getting any detail wrong could have great effect on your eventual compensation. The right path needs to be set from the very beginning. An attorney is the best way to do that.

Civil Commotion: Why you should contact us first

• An attorney will be your passionate advocate. They will give your case the necessary time and attention. A good attorney will legally compel your carrier to prove their case—in court, if need be. An attorney will hold your carrier accountable to you.

• In this crisis, insurance agents are overwhelmed. Our team will give your case the time, resources, and intention to help you reach your best possible outcome.

• You need good legal advice from a qualified professional. Even better when the law firm has over 30 years of experience in successfully advocating for clients, knowing the procedures and ins and out of cases like yours, and having seasoned experience communicating and negotiating with carriers.

• Most important—having a legal team fighting on your side not only speeds the process, but insures you have an advocate fighting passionately for your interests.

• Good legal advice can lead you to make more informed and better decisions and have them faster. This will help avoid the kinds of delays that are costly to you. An attorney can also promise you a less stressful and more comprehensible experience.

Civil Commotion, Rioting, Looting & Vandalism: Using the Law to Protect Your Business & Life

We may be in the middle of the greatest social crisis of our lifetimes. Never before have we collectively faced such a siege on our families, homes, and livelihoods. Business has gone from mere interruption to, in many cases, full-scale physical destruction through vandalism, fire, and theft.

How can we help?

As a business insurance policy holder, you know you’re entitled to compensation. What you don’t know is that you’re likely entitled to more coverage than you realize. To understand your policy’s full potential can require an expertise and experience you don’t have. Worse, the cost of getting any detail wrong could have great effect on your eventual compensation. The right path needs to be set from the very beginning. An attorney is the best way to do that.

Civil Commotion: Why you should contact us first

• An attorney will be your passionate advocate. They will give your case the necessary time and attention. A good attorney will legally compel your carrier to prove their case—in court, if need be. An attorney will hold your carrier accountable to you.

• In this crisis, insurance agents are overwhelmed. Our team will give your case the time, resources, and intention to help you reach your best possible outcome.

• You need good legal advice from a qualified professional. Even better when the law firm has over 30 years of experience in successfully advocating for clients, knowing the procedures and ins and out of cases like yours, and having seasoned experience communicating and negotiating with carriers.

• Most important—having a legal team fighting on your side not only speeds the process, but insures you have an advocate fighting passionately for your interests.

• Good legal advice can lead you to make more informed and better decisions and have them faster. This will help avoid the kinds of delays that are costly to you. An attorney can also promise you a less stressful and more comprehensible experience.

Schedule a Free Consultation at
(866) 497-6106






Meet the Attorneys

Practice Areas

Meet the Attorneys

Practice Areas