Insurance Bad Faith

Insurance Disputes for Property Owners

When your property is damaged, and the insurance company won’t pay, delays your claim, or offers far less than your policy promises, you may have legal options beyond just filing a claim. At Cantley Law Firm, we help homeowners, HOAs, and businesses hold insurers accountable for unfair practices, bad faith handling, and contract breaches.

We pursue full enforcement of your policy rights and ensure insurers honor their obligations, so you receive the compensation you’re entitled to.

Insurance Bad Faith Includes

• Unreasonable denial of valid claims or full payment under the policy
• Unjustified delays in investigating, processing, or resolving covered claims
• Low-ball settlement offers that fail to reflect the full extent of the loss
• Failure to properly investigate damage (fire, wind, hail, water intrusion)
• Misrepresentation of policy terms or coverage obligations
• Insurance company prioritizing profit over policyholder rights

What our Insurance Bad Faith process involves

• Policy review & coverage analysis – We examine your insurance contract, payment history, and claim documentation to identify policy coverage and whether the insurer is failing to meet its duties.
• Claims-handling investigation – We review how your insurer handled the claim and determine whether it properly investigated, evaluated damage, communicated, and followed laws and regulations under Colorado insurance law.
• Damage quantification & claim preparation – We determine the actual loss (repairs, replacement, interruption) and prepare a full claim for compensation.
• Negotiation, demand & litigation – We engage the insurer through demand notices and settlement talks, but are prepared to file claims when necessary to secure the full recovery you deserve.
• Policy holder advisement & support – We keep you informed about timing, risk, and potential outcomes to help you make informed decisions every step of the way.

Why Our Expertise Matters Insurance in Bad Faith Claims

• Insurance dispute cases are not routine – they require expertise of both insurance-law obligations and the tactics insurers use to delay or deny valid claims.
• We have experience in both property damage/ loss cases (construction defects, water intrusion, fire/wind/hail) and insurance litigation, giving you a strong advantage.
• We understand Colorado’s insurance statutes, case law around bad-faith insurers, and the contractual duties insurers owe policyholders.
• We provide clear, strategic guidance so you know the risks, options, timelines, and value of your claim from the start.