CRISIS, CIVIL UNREST, & VANDALISM:

How to protect your business & get the full compensation you’re entitled to

Before you report any damage to your carrier, find out why you should talk an attorney first.  

Find out if you’re covered – now.

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.

Property Loss & Business Interruption: Fire, Hail, Flood & Other Damages

A natural disaster or crisis event happens. You file a claim with your insurance carrier.

Welcome to the lion’s den. Here’s what you’re up against:

• They’re experts; you’re not. They’ve handled thousands of claims; you haven’t. Insurance law and procedure that was written to be favorable to the carrier, not you.

A carrier’s relationship with its policyholders is much like that of a player and a casino; the house most often wins. Your carrier’s denials may be explained as misinterpretations of coverage, or breach of contract, or dispute over value. But even when a claim is paid, how do you know that you’re getting everything you’re entitled to? Your agent may promise negotiations in good faith, but what incentive do they have to deliver?

• This isn’t a judgment: Insurance carriers aren’t charities. Carriers are bound to follow a business model that brings shareholders maximum profitability. Denial of payment or underpayment are among the ways they do that. These are tactics.

• Getting fair compensation is difficult by design. Carriers also have the advantage of time, language, legal complexity, stacks of forms, and other techniques to discourage you. You’re not bound or obliged to them. Carriers know that claimants will often surrender and won’t stay the fight. This is exactly what they’re counting on.

• How can you tilt the system more to your favor? The right legal team is crucial.

Why Furtado Law:

• An insurance carrier will bring a team of experts and property damage lawyers to the table; we bring something better. Our team has over 30 years of experience working insurance cases from both sides of the table. We get results. We have the record of wins to prove it.

• The insurance process is deep. Legal procedures and practices are intensely—and intentionally—complex. Without legal expertise and court experience, you can’t hope to deliver the results that we can. How can you know your carrier’s property damage appraisers are offering you fair and full value? With a legal team, you don’t need faith; you have actual power.

Why you need Furtado Law before you even begin:

• An attorney should be involved with your case from the very start. Even before you file a police report or call to your agent the first time.

• Without legal expertise, how will you know if your carrier’s property damage liability obligation is all it should be? Who will you verify it on your behalf?

• Strategy and procedure are crucial for your best outcome. What will yours be?

• How will you be assured that all is fair and above board? With an attorney, you have verification and enforcement. We know where to dig, what your legal obligations and exemptions are, your exclusions and inclusions, and will find anything else that can help your case: We know policy. We are the path to your best result.

Property Loss & Business Interruption: Fire, Hail, Flood & Other Damages

A natural disaster or crisis event happens. You file a claim with your insurance carrier.

Welcome to the lion’s den. Here’s what you’re up against:

• They’re experts; you’re not. They’ve handled thousands of claims; you haven’t. Insurance law and procedure that was written to be favorable to the carrier, not you.

A carrier’s relationship with its policyholders is much like that of a player and a casino; the house most often wins. Your carrier’s denials may be explained as misinterpretations of coverage, or breach of contract, or dispute over value. But even when a claim is paid, how do you know that you’re getting everything you’re entitled to? Your agent may promise negotiations in good faith, but what incentive do they have to deliver?

• This isn’t a judgment: Insurance carriers aren’t charities. Carriers are bound to follow a business model that brings shareholders maximum profitability. Denial of payment or underpayment are among the ways they do that. These are tactics.

• Getting fair compensation is difficult by design. Carriers also have the advantage of time, language, legal complexity, stacks of forms, and other techniques to discourage you. You’re not bound or obliged to them. Carriers know that claimants will often surrender and won’t stay the fight. This is exactly what they’re counting on.

• How can you tilt the system more to your favor? The right legal team is crucial.

Why Furtado Law:

• An insurance carrier will bring a team of experts and property damage lawyers to the table; we bring something better. Our team has over 30 years of experience working insurance cases from both sides of the table. We get results. We have the record of wins to prove it.

• The insurance process is deep. Legal procedures and practices are intensely—and intentionally—complex. Without legal expertise and court experience, you can’t hope to deliver the results that we can. How can you know your carrier’s property damage appraisers are offering you fair and full value? With a legal team, you don’t need faith; you have actual power.

Why you need Furtado Law before you even begin:

• An attorney should be involved with your case from the very start. Even before you file a police report or call to your agent the first time.

• Without legal expertise, how will you know if your carrier’s property damage liability obligation is all it should be? Who will you verify it on your behalf?

• Strategy and procedure are crucial for your best outcome. What will yours be?

• How will you be assured that all is fair and above board? With an attorney, you have verification and enforcement. We know where to dig, what your legal obligations and exemptions are, your exclusions and inclusions, and will find anything else that can help your case: We know policy. We are the path to your best result.

Schedule a Free Consultation at
(866) 497-6106






Meet the Attorneys

Practice Areas

Meet the Attorneys

Practice Areas