We force insurance companies to pay.

The receive faster payment

increase the amount of money you get rewarded for your claims

Avoid the hassles of dealing with insurance companies. .

Insurance billing and collection experts

Our team of industry experts assists Contractors and Restoration professionals in the submission and collection of supplemental insurance claims

Claim necessary documentation needed to support the claim.

We review and submit supplemental claims and communicate with insurance adjusters to ensure the best outcomes for our clients.

“Holding the trust of our clients is our primary mission.
We have passion for what we do.
Our attorneys stand out because we stand up for our clients.”

                            David Furtado

Copy of Untitled (1)
Copy of Untitled (1)

“Holding the trust of our clients is our primary mission.
We have passion for what we do.
Our attorneys stand out because we stand up for our clients.”

                            David Furtado

Ensure proper payment

 Our legal professionals provide

We guarantees that claims are paid a fast as possible.

communications are properly documented and that the insurance company

Ensure proper payment

 Our legal professionals provide

We guarantees that claims are paid a fast as possible.

communications are properly documented and that the insurance company

Insurer Communication

Furtado Law Solutions handles all communications with insurance companies.

Contact Furtado Law for a complementary consultation.

We’ve successfully faced off against some of the largest insurers in the nation, including:

Furtado Law PC received the highest verdict awarded in Colorado for a first party property case involving hail damage to a building. The attorneys at Furtado Law PC successfully proved to the jury that the insurer breached its contract with the insured and unreasonably delayed and denied the insurance benefits owed to its policyholder.

Why Furtado Law? 

Our process guarantees communications are properly documented

Contact us today to speak with an experienced attorney.

Client Testimonials 

Client Testimonials 

    Schedule a Complimentary Consultation at
    (866) 497-6106






    Fire

    Potential problems with coverage:

    • • Brush exposure, failure to remove an adequate distance from structures
    • • Neighbors or cities or counties who don’t comply with necessary standards
    • • Not meeting demands of mortgage clauses
    • • Insufficient supply of fire extinguishers
    • • Breaches of compliance by tenants or third parties

    Hail

    Potential problems with coverage:

    • • Hail damage is covered by standard home insurance in most states, but how that coverage is applied can vary or be excluded altogether; they can also have percent-based deductibles (based on the home’s insured value)
    • • Damage can come in the immediate and long-term; for this and other reasons, what is and isn’t covered can be a source of dispute
    • • No matter the weather or climate conditions in your area, carriers can hike your rates if more than one claim is made within a time period
    • • Your carrier may have an option to exclude payments for cosmetic damages such as exterior surfaces, walls, roofs, doors, and windows if the storm impacts the appearance but not the function of these elements; what is and isn’t coverable can be very gray—often, if something is damaged but functional, it’s not covered

    Wind

    Potential problems with coverage:

    • • Depending on where you live, wind damage can be subject to percentage-based deductibles—which is based on your home’s insured value—or deductibles for wind damage, rain, tornados, hurricanes, or more; these costs are another reason it’s imperative you get your best compensation
    • • For disasters qualifying for FEMA relief—presidentially-declared disasters—help tends to be short on compensation and long in time coming 
    • • High winds can also bring other related damages—storm damage, inland flooding, falling trees, etc.; the more complicated the damages, the more cover you carrier has for denying your claim

    Flood

    Potential problems with coverage:

    • • Your insurance policy may require you to mitigate damage once it’s discovered; such costs may be reimbursable—fixing leaks, tarping the roof, installing dehumidifiers, etc.; initial water damage can worsen with mold, fungus, wet rot, and more—these are all consequences most insurance won’t cover
    • • It may be necessary to bring in an emergency services mitigation company to limit damages 
    • • As flood damage can be complicated, so is its coverage—e.g. sinkholes and earth movement, even as a result of flooding, may not be covered or there may be limitations given to living in a “high-risk” area
    • • The particular source of water damage can be critical too as carriers may have exclusions for discharge, sewage or other water backups or overflow

    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.

    Indemnity and defense provisions are so common, yet can be easily misinterpreted and misapplied. The terms defense and indemnify can often appear in the same clause, but each is understood to impose different obligations. These can be further compounded due to variations in statutes as well as case law that exists state to state.

    The experienced attorneys at Furtado Law PC know the difference between the duty to indemnify and the duty to defend. We also know that there are some jurisdictions in which an indemnity obligation automatically carries with it the duty to defend regardless of whether the duty to defend is expressly stated.  We understand what is at stake, which is why we are committed to doing a thorough evaluation of your case to identify any ambiguities in the contract and determine how the governing law can be applied to your individual case.

    To hold your insurance carrier accountable is a complex process.

    Your insurer will have attorneys, and so should you.

    Hiring a right lawyer to advise and represent you is essential; as a law firm, our focus is on quality, not quantity.

    Making sure your insurance company pays you a prompt and fair settlement is a complex process.  Hiring the right attorney to advise and represent you is essential.

     

    Too often, life insurance companies deny claims without justifiable reasons. Not all life insurance companies are created equal, and not all life insurance claims are treated fairly. There are a number of reasons that an insurance may deny a claim, such as no beneficiary named on the policy, policy lapse due to non-payment, divorce, “incontestability clauses”, or an assortment of tactics the company believes to be misrepresentation by the insured. In some cases, the insurance company pays the claim to the wrong beneficiary, leaving the intended beneficiary from collecting payments rightfully intended for them. Life insurance companies gain a financial benefit by collecting insurance payments and then either denying or paying substantially less when the claim is filed.  This conflict of interest can often result in a broken promise by the insurance company, denying loved ones the benefits to which they are entitled. 

     

    The basic concept of life insurance is simple enough.  Life insurance policies and annuities promise financial security after a loved one dies. You’ve counted on this your entire life, and now when your family needs it, it’s not there. 

    Too often, life insurance companies deny claims without justifiable reasons. Not all life insurance companies are created equal, and not all life insurance claims are treated fairly. There are a number of reasons that an insurance may deny a claim, such as no beneficiary named on the policy, policy lapse due to non-payment, divorce, “incontestability clauses”, or an assortment of tactics the company believes to be misrepresentation by the insured. In some cases, the insurance company pays the claim to the wrong beneficiary, leaving the intended beneficiary from collecting payments rightfully intended for them. 

    Life insurance companies gain a financial benefit by collecting insurance payments and then either denying or paying substantially less when the claim is filed.  This conflict of interest can often result in a broken promise by the insurance company, denying loved ones the benefits to which they are entitled. 

    Legal experts at Furtado Law Solutions review submitted claims to ensure that they are thorough and detailed.

    Find out if you’re covered – now.

    We are insurance billing and collection experts specializing in claim supplements

    Contact us at info@furtadolaw.com with the following information:

    •Our process guarantees communications are properly documented and that the insurance company’s concerns regarding a restoration project are addressed promptly.

    Because what you don’t know will hurt you.

    The prompt and effective method of communications

    You have nothing to lose – other than everything you have worked for. Let us begin to help you protect it
    The insurance billing experts at Furtado Law Solutions, use their combined years of expertise with Xactimate (recognized insurance industry estimating software), coupled with bid items to ensure that each restoration project is fully and properly scoped, with the full and accurate amount of loss.

    Legal experts at Furtado Law Solutions review submitted claims to ensure that they are thorough and detailed.

    Find out if you’re covered – now.

    We are insurance billing and collection experts specializing in claim supplements

    Contact us at info@furtadolaw.com with the following information:

    •Our process guarantees communications are properly documented and that the insurance company’s concerns regarding a restoration project are addressed promptly.

    Because what you don’t know will hurt you.

    The prompt and effective method of communications

    You have nothing to lose – other than everything you have worked for. Let us begin to help you protect it
    The insurance billing experts at Furtado Law Solutions, use their combined years of expertise with Xactimate (recognized insurance industry estimating software), coupled with bid items to ensure that each restoration project is fully and properly scoped, with the full and accurate amount of loss.

      Schedule a Complimentary Consultation at
      (866) 497-6106






      Fire

      Potential problems with coverage:

      • • Brush exposure, failure to remove an adequate distance from structures
      • • Neighbors or cities or counties who don’t comply with necessary standards
      • • Not meeting demands of mortgage clauses
      • • Insufficient supply of fire extinguishers
      • • Breaches of compliance by tenants or third parties

      Hail

      Potential problems with coverage:

      • • Hail damage is covered by standard home insurance in most states, but how that coverage is applied can vary or be excluded altogether; they can also have percent-based deductibles (based on the home’s insured value)
      • • Damage can come in the immediate and long-term; for this and other reasons, what is and isn’t covered can be a source of dispute
      • • No matter the weather or climate conditions in your area, carriers can hike your rates if more than one claim is made within a time period
      • • Your carrier may have an option to exclude payments for cosmetic damages such as exterior surfaces, walls, roofs, doors, and windows if the storm impacts the appearance but not the function of these elements; what is and isn’t coverable can be very gray—often, if something is damaged but functional, it’s not covered

      Wind

      Potential problems with coverage:

      • • Depending on where you live, wind damage can be subject to percentage-based deductibles—which is based on your home’s insured value—or deductibles for wind damage, rain, tornados, hurricanes, or more; these costs are another reason it’s imperative you get your best compensation
      • • For disasters qualifying for FEMA relief—presidentially-declared disasters—help tends to be short on compensation and long in time coming 
      • • High winds can also bring other related damages—storm damage, inland flooding, falling trees, etc.; the more complicated the damages, the more cover you carrier has for denying your claim

      Flood

      Potential problems with coverage:

      • • Your insurance policy may require you to mitigate damage once it’s discovered; such costs may be reimbursable—fixing leaks, tarping the roof, installing dehumidifiers, etc.; initial water damage can worsen with mold, fungus, wet rot, and more—these are all consequences most insurance won’t cover
      • • It may be necessary to bring in an emergency services mitigation company to limit damages 
      • • As flood damage can be complicated, so is its coverage—e.g. sinkholes and earth movement, even as a result of flooding, may not be covered or there may be limitations given to living in a “high-risk” area
      • • The particular source of water damage can be critical too as carriers may have exclusions for discharge, sewage or other water backups or overflow

      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.

      Indemnity and defense provisions are so common, yet can be easily misinterpreted and misapplied. The terms defense and indemnify can often appear in the same clause, but each is understood to impose different obligations. These can be further compounded due to variations in statutes as well as case law that exists state to state.

      The experienced attorneys at Furtado Law PC know the difference between the duty to indemnify and the duty to defend. We also know that there are some jurisdictions in which an indemnity obligation automatically carries with it the duty to defend regardless of whether the duty to defend is expressly stated.  We understand what is at stake, which is why we are committed to doing a thorough evaluation of your case to identify any ambiguities in the contract and determine how the governing law can be applied to your individual case.

      To hold your insurance carrier accountable is a complex process.

      Your insurer will have attorneys, and so should you.

      Hiring a right lawyer to advise and represent you is essential; as a law firm, our focus is on quality, not quantity.

      Making sure your insurance company pays you a prompt and fair settlement is a complex process.  Hiring the right attorney to advise and represent you is essential.

       

      Too often, life insurance companies deny claims without justifiable reasons. Not all life insurance companies are created equal, and not all life insurance claims are treated fairly. There are a number of reasons that an insurance may deny a claim, such as no beneficiary named on the policy, policy lapse due to non-payment, divorce, “incontestability clauses”, or an assortment of tactics the company believes to be misrepresentation by the insured. In some cases, the insurance company pays the claim to the wrong beneficiary, leaving the intended beneficiary from collecting payments rightfully intended for them. Life insurance companies gain a financial benefit by collecting insurance payments and then either denying or paying substantially less when the claim is filed.  This conflict of interest can often result in a broken promise by the insurance company, denying loved ones the benefits to which they are entitled. 

       

      The basic concept of life insurance is simple enough.  Life insurance policies and annuities promise financial security after a loved one dies. You’ve counted on this your entire life, and now when your family needs it, it’s not there. 

      Too often, life insurance companies deny claims without justifiable reasons. Not all life insurance companies are created equal, and not all life insurance claims are treated fairly. There are a number of reasons that an insurance may deny a claim, such as no beneficiary named on the policy, policy lapse due to non-payment, divorce, “incontestability clauses”, or an assortment of tactics the company believes to be misrepresentation by the insured. In some cases, the insurance company pays the claim to the wrong beneficiary, leaving the intended beneficiary from collecting payments rightfully intended for them. 

      Life insurance companies gain a financial benefit by collecting insurance payments and then either denying or paying substantially less when the claim is filed.  This conflict of interest can often result in a broken promise by the insurance company, denying loved ones the benefits to which they are entitled. 

      TO DISCUSS YOUR UNIQUE SITUATION WITH OUR LEGAL TEAM, CALL (866) 497-6106 TODAY.

      A proven track record of winning cases for our clients.

      Most policyholders believe they are powerless against an insurance company, as if they have no option but to surrender or give up. The insurance industry has lobbied to have laws written in their favor. But they are also subject to regulations, including proper and timely handling of property damage claims. Policyholders may not know how to fight for their rights. 

      However, to take them on without either legal experience or expertise would be a mistake. One that could cost you. Case law, legal process and language are all difficult by design. The purpose is to hold the layperson at a disadvantage.

      Furtado Law is your advantage. We’ve defeated these giants again and again. Let us win for you.

      BBB
      ABA
      google
      apa