{"id":2675,"date":"2014-03-05T06:00:37","date_gmt":"2014-03-05T13:00:37","guid":{"rendered":"https:\/\/www.myconstructionexpert.com\/blog\/?p=2675"},"modified":"2014-03-03T18:00:56","modified_gmt":"2014-03-04T01:00:56","slug":"proving-winning-first-party-bad-faith-case-colorado-part-2-property-insurance-coverage-law-blog","status":"publish","type":"post","link":"https:\/\/www.myconstructionexpert.com\/blog\/proving-winning-first-party-bad-faith-case-colorado-part-2-property-insurance-coverage-law-blog\/","title":{"rendered":"Proving and Winning a First-Party Bad Faith Case in Colorado, Part 2 : Property Insurance Coverage Law Blog"},"content":{"rendered":"<p>David Furtado &#8211; Property Insurance Coverage Law Blog &#8211; February 25, 2014<\/p>\n<p>In a<a href=\"In a previous post regarding proving a first-party bad faith case in Colorado, I wrote about C.R.S. \u00a7\u00a710-3-1113 and 10-3-1104. These statutes provide the first place to look when taking actions in representing policyholders, and provide guidance regarding the questions I ask in letters to claims representatives. They also provide a road map during the discovery process when I am litigating a case for a policyholder. The key to a bad faith claim is showing the trier of fact that the poor conduct of the insurer towards the policyholder is the insurer\u2019s routine conduct when adjusting or appraising a loss. Bad faith is about the insurer\u2019s repeated conduct, not conduct that occurred once. Using the above-referenced statutes, I take discovery in the form of written questions, written requests for admissions, written requests for the insurer\u2019s documents regarding its adjustment of the claim in which I am representing the policyholder and like claims which it has adjusted and is currently adjusting. In depositions, I ask representatives of the insurance company questions in an attempt to undercover whether or not the they believe the insurer owes its insured the duty of good faith and fair dealing, and whether or not the insurer\u2019s position, regarding its denial or delay of the policyholder\u2019s claim, was reasonable. I then ask questions regarding the facts that the representative examined in making its claim decision and ensure that the insurer\u2019s representative discloses every single fact taken into account in making the decision that was adverse to the policyholder\u2019s interests. Analyzing the facts used by the representative in making the adverse decision will provide evidence as to whether the delay or denial was unreasonable or whether the insurer recklessly disregarded the fact that its delay or denial was unreasonable. The next step is to apply the facts I learn throughout the discovery process and apply them to factors as set forth in C.R.S. \u00a710-3-1104(1)(h)(I) to C.R.S. \u00a710-3-1104(1)(h)(XV) that define unfair claim settlement practices. This is the key to showing a jury what factors the insurer violated, why the insurer should be punished for its actions, and how punishment will assist other policyholders who have claims with the insurer. In my next blog I will share the types of written questions, request for admissions, and written requests for production of documents I use in attempting to discover facts necessary to prove the insurance company\u2019s bad faith.\"> previous post regarding proving a first-party bad faith case<\/a> in Colorado, I wrote about C.R.S. \u00a7\u00a710-3-1113 and 10-3-1104. These statutes provide the first place to look when taking actions in representing policyholders, and provide guidance regarding the questions I ask in letters to claims representatives. They also provide a road map during the discovery process when I am litigating a case for a policyholder. The key to a bad faith claim is showing the trier of fact that the poor conduct of the insurer towards the policyholder is the insurer\u2019s routine conduct when adjusting or appraising a loss. Bad faith is about the insurer\u2019s repeated conduct, not conduct that occurred once.<\/p>\n<p>Using the above-referenced statutes, I take discovery in the form of written questions, written requests for admissions, written requests for the insurer\u2019s documents regarding its adjustment of the claim in which I am representing the policyholder and like claims which it has adjusted and is currently adjusting. In depositions, I ask representatives of the insurance company questions in an attempt to undercover whether or not the they believe the insurer owes its insured the duty of good faith and fair dealing, and whether or not the insurer\u2019s position, regarding its denial or delay of the policyholder\u2019s claim, was reasonable. I then ask questions regarding the facts that the representative examined in making its claim decision and ensure that the insurer\u2019s representative discloses every single fact taken into account in making the decision that was adverse to the policyholder\u2019s interests. Analyzing the facts used by the representative in making the adverse decision will provide evidence as to whether the delay or denial was unreasonable or whether the insurer recklessly disregarded the fact that its delay or denial was unreasonable.<\/p>\n<p>The next step is to apply the facts I learn throughout the discovery process and apply them to factors as set forth in C.R.S. \u00a710-3-1104(1)(h)(I) to C.R.S. \u00a710-3-1104(1)(h)(XV) that define unfair claim settlement practices. This is the key to showing a jury what factors the insurer violated, why the insurer should be punished for its actions, and how punishment will assist other policyholders who have claims with the insurer.<\/p>\n<p>In my next blog I will share the types of written questions, request for admissions, and written requests for production of documents I use in attempting to discover facts necessary to prove the insurance company\u2019s bad faith.<\/p>\n<p>via <a href=\"http:\/\/www.propertyinsurancecoveragelaw.com\/2014\/02\/articles\/bad-faith\/proving-and-winning-a-firstparty-bad-faith-case-in-colorado-part-2\/\">Proving and Winning a First-Party Bad Faith Case in Colorado, Part 2 : Property Insurance Coverage Law Blog<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>David Furtado &#8211; Property Insurance Coverage Law Blog &#8211; February 25, 2014 In a previous post regarding proving a first-party bad faith case in Colorado, I wrote about C.R.S. \u00a7\u00a710-3-1113 and 10-3-1104. These statutes provide the first place to look when taking actions in representing policyholders, and provide guidance regarding the questions I ask in&hellip; <a class=\"more-link\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/proving-winning-first-party-bad-faith-case-colorado-part-2-property-insurance-coverage-law-blog\/\">Continue reading <span class=\"screen-reader-text\">Proving and Winning a First-Party Bad Faith Case in Colorado, Part 2 : Property Insurance Coverage Law Blog<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[3],"tags":[140,3],"class_list":["post-2675","post","type-post","status-publish","format-standard","hentry","category-insurance-claims","tag-bad-faith","tag-insurance-claims","entry"],"jetpack_publicize_connections":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Proving and Winning a First-Party Bad Faith Case in Colorado, Part 2 : Property Insurance Coverage Law Blog - Advise &amp; Consult, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myconstructionexpert.com\/blog\/proving-winning-first-party-bad-faith-case-colorado-part-2-property-insurance-coverage-law-blog\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Proving and Winning a First-Party Bad Faith Case in Colorado, Part 2 : Property Insurance Coverage Law Blog - Advise &amp; Consult, Inc.\" \/>\n<meta property=\"og:description\" content=\"David Furtado &#8211; Property Insurance Coverage Law Blog &#8211; February 25, 2014 In a previous post regarding proving a first-party bad faith case in Colorado, I wrote about C.R.S. \u00a7\u00a710-3-1113 and 10-3-1104. 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