Migliaccio & Rathod LLP is investigating whether Colorado insurance companies failed to adequately inform qualifying wildfire survivors that accepting an initial personal property payment did not eliminate their right to seek additional contents benefits.
For qualifying total-loss claims arising from governor-declared wildfire disasters, Colorado law generally requires insurers to offer a minimum percentage of personal property coverage without demanding a detailed inventory. Insurers must also provide required information explaining that homeowners may be able to obtain additional benefits by documenting their losses.
Migliaccio & Rathod is investigating whether homeowners received incomplete or misleading information about these rights and consequently believed that accepting an initial contents payment prevented them from seeking additional compensation available under their policies.
Homeowners May Have Experienced:
- Receiving an initial contents payment without an explanation of additional available benefits;
- Being told or led to believe that accepting the initial payment ended their personal property claim;
- Not receiving required information about submitting an inventory for additional coverage;
- Discovering later that they may have been eligible for more personal property benefits;
- Having additional documented losses left unpaid; or
- Difficulty obtaining clarification about their remaining contents coverage.
Potential Claims May Include:
- Failure to provide required insurance disclosures;
- Misleading representations concerning available contents benefits;
- Improper handling of additional personal property claims;
- Breach of applicable insurance obligations; or
- Other remedies available under Colorado insurance law.
Signs You May Be Affected:
- You owned and occupied a home destroyed in a qualifying Colorado wildfire disaster;
- Your insurer offered or paid a percentage of your personal property coverage without an inventory;
- You were not informed that additional benefits might remain available;
- You believed accepting the initial payment ended your right to seek more contents coverage;
- You had additional lost belongings that were not fully compensated; or
- You have the insurer’s payment offer, notices, and claim correspondence.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.