Colorado Division of Insurance (DORA) Commissioner Michael Conway has issued a new request to homeowners insurance companies to extend Additional Living Expenses (ALE) benefits for those affected by the Marshall Fire on December 30, 2021. This request for further extensions of ALE coverage echoes the concerns raised in my blog post, The Clock Is Ticking: Understanding the Need for Extended ALE Coverage After the Colorado Marshall Fires. The November 2023 request comes as many policyholders are still rebuilding their homes and approaching the two-year anniversary of the fire, which marks the expiration of their current ALE benefits. 

Continue Reading Colorado Division of Insurance Issues Updated Request for Marshall Fire ALE Extension 

If an insurance company is unfairly or unreasonably handling your claim, be aware that there are strict deadlines, known as statutes of limitations, by which you must take legal action. In my previous post, Why Time Matters Differently in Colorado for Homeowners, Business Owners, and HOAs, I discussed deadlines for filing a contractual breach of insurance policy lawsuit. In this post, I review the statutory framework establishing the Colorado statute of limitations related to filing a legal action for common law bad faith and unreasonable delay/denial of insurance benefits.

Continue Reading Statute of Limitations in Colorado Insurance Bad Faith and Delay/Denial Cases

As we approach the 24-month milestone from the catastrophic Marshall Fires on December 30, 2021, many property owners face the imminent expiration of their Additional Living Expenses (ALE) coverage.

Continue Reading The Clock Is Ticking: Understanding the Need for Extended ALE Coverage After the Colorado Marshall Fires