Communication between insurers
All discussions with insurance companies are handled by Furtado Law Solutions. Our procedure ensures that all conversations are accurately documented and that the insurance company’s concerns about a repair job are swiftly handled. The excellent and timely communication ensures that claims are paid as soon as possible.
Estimates
Furtado Law Solutions’ insurance billing professionals combine their years of experience with Xactimate (known insurance industry estimating software) and bid items to ensure that each restoration project is fully and accurately scoped, with the full and precise amount of loss.
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.
Estimates
Furtado Law Solutions’ insurance billing professionals combine their years of experience with Xactimate (known insurance industry estimating software) and bid items to ensure that each restoration project is fully and accurately scoped, with the full and precise amount of loss.
Services in our area of expertise
We specialize in claim supplements and are professionals in insurance billing and collection. Contractors and restoration specialists can rely on our team of industry experts to help them submit and collect supplemental insurance claims. We have the skills to counsel on projects, analyze scope, review and file additional claims, and negotiate with insurance adjusters to guarantee the best outcomes for our clients. We have experienced professionals in the industries of Insurance, Construction, Engineering, and Law.
Communication between insurers
All discussions with insurance companies are handled by Furtado Law Solutions. Our procedure ensures that all conversations are accurately documented and that the insurance company’s concerns about a repair job are swiftly handled. The excellent and timely communication ensures that claims are paid as soon as possible.
Estimates
Furtado Law Solutions’ insurance billing professionals combine their years of experience with Xactimate (known insurance industry estimating software) and bid items to ensure that each restoration project is fully and accurately scoped, with the full and precise amount of loss.