--- title: "Denver Insurance Bad Faith & Claim Denial Attorney" description: "Denied or underpaid by your insurer? A former insurance defense attorney fights Colorado bad faith claims. Free review." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "LegalService", "@id": "https://bradfreedberg.com/#organization", "name": "Brad Freedberg Law", "legalName": "Brad Freedberg Law", "url": "https://bradfreedberg.com", "logo": { "@type": "ImageObject", "url": "https://bradfreedberg.com/logo.png", "width": "512", "height": "512" }, "image": "https://bradfreedberg.com/practice-areas-og.jpg", "description": "Denver personal injury law firm with over 30 years of experience fighting for accident victims. 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Contact us promptly to preserve your rights." } } ] } ] --- [Call Now ](tel:303-892-0900)Free Case Review Available 24/7 Free Consultation • No Fee Unless We Win [(303) 892-0900 ](tel:303-892-0900) [ Brad Freedberg Personal Injury Attorney ](/) [(303) 892-0900](tel:303-892-0900)[Free Consultation](/#contact) Practice Areas[Results](/#case-results)[Articles](/articles)[About Brad](/about)LocationsResources[Contact](/#contact) [Home ](/) [Practice Areas](/#practice-areas) Insurance Claims Practice Area # Denver Insurance Bad Faith & Claim Denial Attorney Denied, delayed, or lowballed by an insurance company? A former insurance defense attorney and CPA who knows exactly how carriers evaluate — and undervalue — claims. [(303) 892-0900](tel:303-892-0900)[Free Case Evaluation](/#contact) 30+ Years of Experience $50M+ Recovered for Clients ## Overview 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. ## How We Help - First-party bad faith claims against your own insurer - Unreasonable delay and denial claims under C.R.S. § 10-3-1115/1116 - UM/UIM (uninsured/underinsured motorist) coverage disputes - Homeowners, auto, and commercial policy claim disputes - PIP and medical payment coverage disputes - Coverage analysis, examinations under oath, and appraisal ### 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 ## Case Results $1,500,000 UIM Bad Faith Recovery Insurer denied a clear underinsured motorist claim. We recovered policy limits plus statutory bad faith damages. $650,000 Homeowners Claim Denial Carrier denied a covered property loss. We secured the original claim amount plus penalties and attorney fees. $425,000 Delayed PIP Benefits Insurer dragged out PIP benefits after a serious crash. Recovery included two-times-benefit penalty under Colorado law. \*Past results do not guarantee future outcomes. Every case is unique. ## Frequently Asked Questions What is insurance bad faith in Colorado? Bad faith is when an insurer unreasonably denies, delays, or underpays a valid claim. Under C.R.S. § 10-3-1115/1116, a policyholder can recover up to two times the covered benefit, plus attorney fees and costs. Can I sue my own insurance company? How much does it cost to hire an insurance bad faith attorney? How long do I have to file a bad faith claim? ### Ready to Discuss Your Case? Don't let an insurance company dictate the value of your claim. Get a free case review today. [(303) 892-0900](tel:303-892-0900)[Online Contact Form](/#contact) ### Free Consultation Injured? Get a free, confidential case evaluation from Brad Freedberg. [Call Now](tel:303-892-0900) No fee unless we win your case ### Why Choose Brad Freedberg? - Former insurance defense attorney — we know the carrier playbook - Licensed CPA who understands how reserves and payouts are calculated - Contingency fee — no fee unless we recover - 30+ years of Colorado insurance litigation experience - Aggressive litigation posture, not just settlement letters ### Other Practice Areas - [Car accident attorney Denver](/practice-areas/car-accidents) - [Truck accident attorney Denver](/practice-areas/truck-accidents) - [Motorcycle accident attorney Denver](/practice-areas/motorcycle-accidents) - [Bicycle accident attorney Denver](/practice-areas/bicycle-accidents) - [Pedestrian accident attorney Denver](/practice-areas/pedestrian-accidents) - [Wrongful death attorney Denver](/practice-areas/wrongful-death) - [Slip and fall attorney Denver](/practice-areas/slip-and-fall) - [Premises liability attorney Denver](/practice-areas/premises-liability) - [Medical malpractice attorney Denver](/practice-areas/medical-malpractice) - [Denver business litigation attorney](/practice-areas/other-practice-areas) ### Brad Freedberg Personal Injury Attorney Over 30 years of dedicated experience fighting for accident victims in Denver and throughout Colorado. [](#)[](#) #### Practice Areas - [Car Accidents](/practice-areas/car-accidents) - [Truck Accidents](/practice-areas/truck-accidents) - [Motorcycle Accidents](/practice-areas/motorcycle-accidents) - [Pedestrian Accidents](/practice-areas/pedestrian-accidents) - [Wrongful Death](/practice-areas/wrongful-death) - [Slip & Fall](/practice-areas/slip-and-fall) #### Quick Links - [About Brad](/about) - [Case Results](/#case-results) - [Client Reviews](/#testimonials) - [Blog](/blog) - [FAQ](/#faq) - [Contact Us](/#contact) #### Locations - [Aurora](/locations/aurora) - [Centennial](/locations/centennial) - [Englewood](/locations/englewood) - [Littleton](/locations/littleton) - [Greenwood Village](/locations/greenwood-village) #### Contact Us - [ (303) 892-0900 Call for Free Consultation ](tel:303-892-0900) - 730 17th Street #900 Denver, CO 80202 - [brad@bradfreedberg.com ](mailto:brad@bradfreedberg.com) - Available 24/7 Emergency Cases © 2026 Brad Freedberg, Attorney at Law. 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