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One of the primary timing limitations found in a property insurance policy is the time limit for suit. Most residential property insurance policies in Minnesota have a time limit of only two (2) years from the date of loss. The 2-year time limit is both statutory and contract based. If a claim isn’t settled and a policyholder fails to file…

Worried about roof damage after a major storm? Maybe your building got lashed with wind-driven rain for hours on end. Maybe hail tore into the shingles and then it started raining on top of everything else. Maybe it was the wind alone, ripping off shingles and causing damage that gives water a way to get in. The importance of a…

According to insurance experts, 2019 is shaping up to be the worst year on record for hail damage in the United States. As of mid-April, there have already been 664 hailstorms reported, which is more than were reported in all of 2018. In addition, April, May and June are typically when most hailstorms occur, so this year’s total will almost…

Under Colorado common law, insurance companies owe a duty of good faith and fair dealing to their insureds. When an insurer acts in bad faith, it breaches this implied duty of good faith and fair dealing and a claimant can take legal action against it. To succeed, a claimant must prove that the insurance company unreasonably delayed and/or denied payment…

When hail strikes in a ferocious storm, it often doesn’t last long. People quickly duck inside to wait it out. When they emerge, though, they may find lasting damage that poses an incredible financial cost. Even a short storm can be absolutely devastating for local property. If you want to see what this impact looks like firsthand, let’s look at…