Prior to joining Merlin Law Group, Tim began his career as a consultant examining one of the largest banks in the country for malfeasant activity in its mortgage servicing and foreclosure processes. Expanding his toolkit and continuing his passion to help, Tim next worked for the Colorado Department of Health Care Policy & Finance, adjudicating home modification claims for the benefit of Colorado’s low-income families, the elderly, and persons with disabilities. Through this work, Tim reconfirmed his belief that the average consumer needs an advocate. To that end, Tim is now engrossed in advocating for policyholders and providing quality representation on their behalf.
Tim has been a member in good standing of the Colorado Bar since 2015. He received his undergraduate degree from the University of Minnesota, master’s degree from the University of Denver – Sturm College of Law, and his Juris Doctor from Florida Coastal School of Law. When not advocating on behalf of policyholders, Tim enjoys spending time with his wife and two daughters, going to concerts at Red Rocks, snowboarding, or reading a good book.
Recently, the Colorado Supreme Court issued its opinion in Owners Ins. Co. v. Dakota Station II Condominium Association,1 on appraiser impartiality. Specifically, the court discussed the meaning and interpretation of impartiality under the insurance policy and whether a contingent-cap fee agreement between the appraiser and Dakota Station rendered the appraiser not impartial as a matter of … Continue Reading
After filing a claim, insurance companies will at times request a substantial amount of information, leaving many Coloradans feeling overwhelmed. However, a failure to respond to the requests (aka “failure to cooperate”), could cost an insured their owed insurance claim benefits. Recently the United States District Court, District of Colorado, discussed this issue in its … Continue Reading
Director of Missouri’s Department of Insurance, Financial Institutions and Professional Registration (“DIFP”), Chlora Lindley-Myers, oversees the regulating and monitoring of insurance activities, companies, and agents in Missouri. She was appointed on April 13, 2017. Within the DIFP, the Division of Consumer Affairs (“DCA”) serves as a resource to Missouri consumers by providing consumers with insurance … Continue Reading
The Director of Idaho’s Department of Insurance, Dean Cameron, oversees the regulating and monitoring of insurance activities, companies, and agents in Idaho. Appointed by Governor C.L. “Butch” Otter, Mr. Cameron has been serving Idaho residents since June 15, 2015. Within the Department of Insurance, the Consumer Affairs Section (“CAS”) serves as a free resource to … Continue Reading
Take your pick: water is pouring through your ceiling like Niagara Falls, your kitchen looks like the dying embers from last night’s campfire, or your roof looks like it has been sitting on a driving range instead of the top of your house. If anything of that sort is happening to you, contacting your mortgage … Continue Reading
Balancing the cost of insurance premiums and the potential costs related to being displaced from your home, repair costs required by local building code, or higher replacement costs can be challenging for a homeowner. For Colorado homeowners, it is important to understand that they have rights to additional and/or enhanced insurance coverage options if they … Continue Reading
The State of Colorado has always been an attractive destination for people who enjoy the outdoors. Now more than ever, it seems people are choosing Colorado not just for a winter getaway, but as a place to call home. As a result of the market pressure that the ever-increasing population has caused, property values have … Continue Reading
You purchased a condo, closed on the mortgage loan, and are now ready to move in to your new home. But what happens if a pipe bursts and floods your unit or an electrical short causes fire damage to your unit? Should you call the insurance company or your Condo Association? Are you covered by … Continue Reading
Many of us in Central Colorado remember the hail storm that wreaked havoc on the Denver metro area in May 2017. What happens when hailstorm damage to your property does not manifest itself for a period of months, or even a year later? Should a claim be denied for being reported once discovered? Unfortunately, the … Continue Reading