Insurance policies are supposed to offer protection and peace of mind. But too often, policyholders face unexpected challenges when their valid insurance claims are denied. At Smith Jadin Johnson, we specialize in representing homeowners, business owners, and contractors in insurance claim denial cases across Minnesota and Colorado.
Whether your claim was denied due to an alleged exclusion, vague policy language, or simply a lack of response from your insurer, our team of experienced attorneys is here to help you fight back. With offices in Minneapolis and Denver, we understand the state-specific laws and carrier tactics that often lead to unfair denials—and we know how to challenge them.
Common Reasons for Insurance Claim Denials
Insurance companies may use a variety of justifications to deny claims, including:
- “Wear and tear” exclusions
- Pre-existing damage claims
- Improper documentation or late filing
- Policy interpretation disputes
- Damage allegedly caused by poor maintenance
- Ambiguous or contradictory provisions in the policy
While some denials are valid, many are not. In fact, some are based on bad faith practices that can—and should—be challenged in court. Our team conducts a thorough investigation into the reasons behind your denial and holds the insurance company accountable for any missteps or misrepresentations.
What Is Insurance Bad Faith?
Bad faith occurs when an insurance company acts unreasonably or dishonestly in denying or handling your claim. This can include:
- Failing to investigate a claim properly
- Refusing to pay a valid claim without explanation
- Offering an unreasonably low settlement
- Delaying the claims process unnecessarily
- Misrepresenting coverage or policy terms
Our insurance attorneys in Minneapolis and Denver know how to identify bad faith conduct and respond with aggressive legal action when necessary.
Who We Represent
Smith Jadin Johnson represents a wide range of clients who have had their insurance claims denied:
- Homeowners dealing with fire, water, wind, or storm damage
- Commercial property owners whose buildings or contents suffered loss
- Contractors and subcontractors with builder’s risk or liability claims
- Business owners with business interruption and equipment loss claims
- Policyholders of all kinds who are being ignored, delayed, or underpaid
Our team tailors its approach to meet the unique needs of each client and claim type.
How We Help You Challenge a Denied Insurance Claim
At Smith Jadin Johnson, our attorneys offer full-service representation throughout the insurance dispute process. Our legal services include:
1. Policy Review
We analyze your insurance policy to determine what coverage you’re entitled to and whether the denial aligns with the policy terms.
2. Claim Investigation
We partner with engineers, public adjusters, restoration experts, and industry consultants to evaluate your loss and build evidence for your case.
3. Formal Dispute & Appeal
We draft detailed demand letters and submit appeals with supporting documentation, aiming to overturn the denial without litigation when possible.
4. Litigation
If the insurer refuses to settle fairly, we file a lawsuit and represent you in court. Our attorneys are trial-ready and experienced in state and federal insurance litigation.
5. Negotiation & Settlement
We explore all avenues for resolution, including mediation or arbitration, and pursue the most favorable outcome for your unique situation.
Why Choose Smith Jadin Johnson?
- Local Experience: We know the claims handling patterns and legal environments of Minnesota and Colorado insurers
- Focused Practice: Our firm concentrates on insurance and construction law, giving us deep insight into every facet of property-related claims
- Strong Track Record: We’ve helped recover millions of dollars in previously denied or underpaid claims
- Responsive Communication: We keep you informed at every stage of the process
- Strategic Litigation: We prepare every case as if it will go to court, giving us leverage at the negotiation table
We don’t just take on cases—we take on insurance companies that don’t do right by their policyholders.
Areas We Serve
From our offices in Minneapolis and Denver, we serve policyholders throughout both states, including:
Minnesota:
- Twin Cities Metro
- Rochester
- Duluth
- St. Cloud
Colorado:
- Denver Metro
- Boulder
- Fort Collins
- Colorado Springs
Contact an Insurance Denial Lawyer Today
If your insurance claim has been denied, don’t give up. Contact Smith Jadin Johnson to speak with a knowledgeable attorney and start the process of fighting back.