We lost our home in the Marshall Fire and are working with a builder to rebuild. We have heard that our insurance company is treating other policyholders differently than they are treating us, specifically with regards to extending ALE from 12 months to 24 months, items that they are willing to reimburse for ALE (since Day 1), and the requirement to provide “photos of everything” in order to be reimbursed for the remaining 40% of personal property. Are there specific Colorado statutes or case law stating that they should treat policyholders in similar circumstances the same?
Your question is somewhat unclear. If you are referring to policyholders insured by companies other than yours, the answer is no, there is no Colorado statute or case requiring insurance companies to treat similarly situated policyholders alike. If you are suggesting that other insureds under policies written by your insurer and containing the same language are being treated differently than you in these fundamental respects, I believe that is wrongful and reflective of bad faith conduct by the insurer. You can reach out to the Colorado Division of Insurance for assistance if you would like to file a complaint against your insurer.