Practice Areas

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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.

We focus on legal representation based on quality, not quantity. Unlike other law firms that list an assortment of unrelated areas of practice, we focus on very specific areas and are highly experienced in the legal issues that are most important to your case.

Our lawyers quickly assess the strengths and weaknesses of each individual case and map out a strategy for winning. By taking an active, aggressive role in our clients’ cases, we can achieve their goals quickly and efficiently.

Once you meet the lawyers at Furtado Law PC, you will immediately notice the characteristics that set us apart from other law firms. You will understand why our lawyers consistently secure substantial verdicts and settlements everywhere we practice.

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“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

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You have invested so much into your property – trust Furtado Law PC to help protect your investment.

Whether your case involves a single-family residence or a large commercial building, our attorneys provide the same level of attention and experience to ensure that every Furtado Law PC client receives the best legal representation.

Furtado Law PC attorneys are deeply familiar with complex multi-carrier litigation and a proven track record in handling insurance recovery cases involving multi million dollar insurance and restoration claims across the country. We have experience and mastery in the complex areas of property law.

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Forcing insurance companies to cover representation costs for insureds.

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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.

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Requiring insurance companies to negotiate claims in good faith.

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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.

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Ensuring clients get a fair, objective appraisal for the amount, the scope, and the cause of insured losses.

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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.

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Holding brokers accountable for obtaining requested coverage and explaining it correctly.

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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.

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