Denver Insurance Bad Faith & Claim Denial Attorney

Insurance companies are legally required to handle claims fairly and in good faith. When they delay payment, deny valid claims, or offer settlements that are a fraction of what a policy actually owes, Colorado law gives policyholders the right to fight back — and to recover significantly more than the original claim value. Brad Freedberg Law represents Denver and Colorado policyholders in first-party bad faith disputes against their own insurers, including auto, homeowners, commercial property, life, health, disability, UM/UIM, and PIP carriers.

Brad spent the early part of his 30-year career defending insurance companies. He knows the internal playbooks, claim-handling guidelines, reserve practices, and litigation strategies carriers use to minimize payouts. Today he uses that insider knowledge to hold insurers accountable. Cases typically involve outright denial, unreasonable delay in investigation or payment, lowball settlement offers untethered from the actual loss, misrepresentation of policy terms, failure to communicate, or coercive claim-handling tactics designed to wear policyholders down.

Colorado provides some of the strongest statutory protection for policyholders in the country. Under C.R.S. § 10-3-1115 and § 10-3-1116, when an insurer unreasonably delays or denies payment of a covered benefit, the policyholder can recover the full benefit plus an additional amount equal to two times that benefit, along with reasonable attorney fees and costs. Common-law bad faith claims add another layer of damages, including emotional distress and, in egregious cases, punitive damages. Brad evaluates every dispute under both theories to maximize recovery.

Beyond statutory bad faith, the firm handles UM/UIM coverage disputes after serious crashes, homeowners and commercial property claim denials, PIP and medical-payment coverage fights, examinations under oath, appraisal proceedings, and coverage analysis when carriers cite ambiguous exclusions. Engagements are taken on a contingency basis — there is no up-front cost, and Brad only recovers a fee if the firm recovers benefits or damages for you. Because Colorado bad faith statutes shift attorney fees to the insurer in many cases, that recovery is often paid by the carrier rather than out of your settlement.

Common Causes

• Outright claim denial without reasonable basis
• Lowball settlement offers far below claim value
• Unreasonable delay in investigation or payment
• Misrepresenting policy terms or available coverage
• Failing to communicate or properly investigate
• Coercive tactics or unfair claim-handling practices

Common Injuries

• Out-of-pocket medical bills the insurer refused to pay
• Lost wages while claims sit unresolved
• Property damage and replacement costs
• Emotional distress from prolonged disputes
• Attorney fees and costs (recoverable in bad faith cases)
• Up to two times the covered benefit under Colorado law