Migliaccio & Rathod LLP is investigating whether Colorado homeowners whose properties were damaged or destroyed by wildfires received the full debris removal benefits promised under their homeowners insurance policies.
Following a covered wildfire, homeowners may face substantial expenses for removing ash, damaged foundations, burned building materials, and other debris before reconstruction can begin. Some homeowners insurance policies provide additional debris removal coverage when the combined cost of rebuilding and cleanup exceeds the standard dwelling coverage limit.
Migliaccio & Rathod is investigating whether insurers failed to provide qualifying homeowners with this additional coverage or incorrectly treated all debris removal expenses as included within the basic dwelling limit, potentially leaving families responsible for cleanup costs that should have been insured.
Homeowners May Have Experienced:
- Paying substantial expenses to remove debris following a wildfire;
- Having debris removal costs deducted entirely from the dwelling coverage limit;
- Being denied additional debris removal benefits after exhausting dwelling coverage;
- Receiving less than the cleanup allowance promised by their policy;
- Having qualifying demolition, hauling, or disposal expenses excluded from a settlement; or
- Paying out-of-pocket cleanup expenses that may have been covered.
Potential Claims May Include:
- Failure to provide additional contractual debris removal benefits;
- Incorrect calculation of homeowners insurance coverage limits;
- Breach of insurance contract;
- Improper denial or underpayment of covered cleanup expenses; or
- Violations of applicable insurance laws.
Signs You May Be Affected:
- You owned a home insured in Colorado;
- Your property suffered a covered wildfire loss;
- Your claim exhausted the applicable dwelling coverage limit;
- You incurred qualifying debris removal or cleanup expenses;
- Your policy included additional debris removal coverage that may not have been paid; or
- You have cleanup invoices, policy documents, and claim payment records.
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.