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Vehicle Hits Building Insurance Claim in Fort Collins, CO

A vehicle — owned by anyone — crashes into the commercial building. Under C.R.S. §10-3-1115, Fort Collins 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 · Vehicle Hits Building

StatuteC.R.S. §10-3-1115
Time Limit2 years from date of loss
CityFort Collins, Colorado
Key Note2x damages for unreasonable delay or denial.
What's Typically Covered
  • Building damage: your commercial property (then subrogate) OR at-fault driver liability.
What Insurers Commonly Deny
  • None typical — vehicle impact is a covered sudden physical loss.
How to File a Vehicle Hits Building Claim in Fort Collins, 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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Fort Collins 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 — Vehicle Hits Building in Fort Collins, CO
How long do I have to file a vehicle hits building insurance claim in Fort Collins?

Under C.R.S. §10-3-1115, Fort Collins 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 vehicle hits building at my Fort Collins 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 vehicle hits building claim in Colorado?

Yes — common denial reasons for vehicle hits building claims include: None typical — vehicle impact is a covered sudden physical loss.. 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.