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Arson / Suspicious Fire Insurance Claim in Denver, CO

Fire determined to be intentionally set — by a third party or under investigation. Under C.R.S. §10-3-1115, Denver businesses have 2 years to pursue underpaid claims. 2x damages for unreasonable delay or denial.

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⚠ Not legal advice. Informational only. Consult a licensed Colorado attorney for your situation.

Colorado Law · Arson / Suspicious Fire

StatuteC.R.S. §10-3-1115
Time Limit2 years from date of loss
CityDenver, Colorado
Key Note2x damages for unreasonable delay or denial.
What's Typically Covered
  • Third-party arson is a covered peril. Insurer may delay pending investigation.
What Insurers Commonly Deny
  • Insured-set arson. Insurer bears burden of proving fraud.
How to File a Arson / Suspicious Fire Claim in Denver, CO
1
Document everything immediately — Photograph and video all damage before any cleanup or repairs. Preserve every receipt, invoice, and financial record related to the loss.
2
Notify your insurer promptly — Most Colorado policies require notice within a specific timeframe. Under C.R.S. §10-3-1115, late notice can be used to contest coverage. Report by phone and follow up in writing.
3
Submit a sworn proof of loss — File an itemized proof of loss within the time specified in your policy. Keep a dated copy. This document is your formal demand for coverage.
4
Request the adjuster's line-item breakdown — You are entitled to a written itemization of how your settlement was calculated. Compare each line against your own contractor estimates and policy language.
5
Dispute in writing if underpaid — Cite the specific policy clauses that support a higher amount. 2x damages for unreasonable delay or denial. You have 2 years from the date of loss.
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Denver Claim Timeline

  • Report claim promptly
  • Submit proof of loss per policy
  • File suit within 2 years
  • Bad faith: C.R.S. §10-3-1115

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Frequently Asked Questions — Arson / Suspicious Fire in Denver, CO
How long do I have to file a arson / suspicious fire insurance claim in Denver?

Under C.R.S. §10-3-1115, Denver businesses generally have 2 years from the date of loss to pursue a bad faith action. Your policy may also require prompt notice (typically 30–60 days) and a sworn proof of loss within a shorter window. 2x damages for unreasonable delay or denial. Consult a licensed Colorado attorney for your specific timeline.

What should I do immediately after a arson / suspicious fire at my Denver business?

1) Ensure safety and contact emergency services if needed. 2) Photograph and video all damage before any cleanup. 3) Notify your insurer promptly — late notice can be used to contest coverage. 4) Preserve all damaged property until your adjuster inspects it. 5) Keep all receipts for emergency mitigation, repairs, and any temporary relocation costs.

Can my insurer deny my arson / suspicious fire claim in Colorado?

Yes — common denial reasons for arson / suspicious fire claims include: Insured-set arson. Insurer bears burden of proving fraud.. If your claim is denied, request the specific policy provision in writing. Under C.R.S. §10-3-1115, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.