The Marshall Fire: Frequently Asked Questions on Additional Living Expenses
From the Colorado Division of Insurance and Burg Simpson shareholder Tom Henderson:
More on the Marshall Fire Response: Frequently Asked Questions on Additional Living Expenses
In response to the needs of those affected by the Marshall Fire, the Colorado Division of Insurance has posted a list of Frequently Asked Questions (FAQs) about Additional Living Expenses (ALE) coverage that is part of many homeowners and renters insurance policies. Also called “Coverage D – Additional Living Expense (or Loss of Use),” the purpose of ALE is to help you if your home is a total loss or rendered uninhabitable due to damage.
These questions were developed based on the questions the Division received during its January 4 town hall and the questions Division staff have received at the Disaster Assistance Center.
Find more information about insurance and the Marshall Fire on the Division’s Marshall Fire Response website. You can reach the Division’s Consumer Services Team between 8:00 – 5:00 pm by calling 303-894-7490 or by sending an email to DORA_Insurance@state.co.us.
Tom Henderson and the Burg Simpson team have over four decades of experience analyzing and litigating these types of insurance policies. Mr. Henderson is the Chair of the Bad-Faith Insurance division of the firm’s Commercial Litigation Department. He spent the first twenty years of his practice representing the insurance companies, answering their questions about whether or not their policies provided coverage for certain losses. He has spent the past 12+ years of his practice exclusively representing insurance policyholders pursuing claims for insurance benefits owed by the insurance industry. Mr. Henderson and the attorneys at Burg Simpson use Mr. Henderson’s unusual background to their clients’ advantage because they know where the insurance industry weak spots are, where the smoking guns are hidden and how best to structure their clients’ cases to maximize the potential of getting the insurance companies to pay the benefits owed.
If the insurance companies refuse to pay the benefits owed by their policies, then suing them for bad faith is an option to consider. Mr. Henderson and the attorneys at Burg Simpson have successfully sued insurance companies for bad faith collecting millions of dollars for their clients when their own insurance companies improperly denied, underpaid, or slow paid claims.
Mr. Henderson has been consistently selected by his peers for inclusion in The Best Lawyers in America© in the field of Insurance Law. He has also been recognized as a People’s Choice Best Insurance Lawyer and has been selected to Super Lawyers® every year since 2014. In 2019 and 2020, he was selected as a Colorado Top Lawyer in insurance by 5280 Magazine.
Tom Henderson and the commercial litigation lawyers at Burg Simpson are available for a free consultation. Call us now to discuss how we can help you.
Call Burg Simpson for Help Now: 888 895 2080