User Profile - United Policyholders

Tom Henderson

Tom was admitted to practice in Colorado in October of 1987. Tom is a member of both the Colorado Trial Lawyers Association, the Bad Faith subcommittee of the Colorado Trial Lawyers Association, the American Association for Justice, the American Bar Association, and the Denver and Arapahoe County Bar Associations. Tom also lectures on insurance bad faith and insurance coverage to groups of policyholders. In 2023, Tom was appointed as a judge in the 18th Judicial District Court, serving Arapahoe, Douglas, Elbert and Lincoln counties, and will no longer answer questions in this forum. United Policyholders is grateful to Tom for sharing his expertise.

Community Activities

Limiting ALE due to extra time required to design a bigger house

Our adjuster has let us know via letter that they feel our process of designing our home has been ‘delayed’ due to the fact that we are modifying the floor plan from that of our home that was lost in the Marshall Fire. The floorplan…

Tom Henderson answered 4 years ago • Additional Living Expenses (ALE) • Colorado

1172 views1 answers

Time Limit to file lawsuit in CO for underinsurance

We lost our house last December in the Marshall Fire. I am still working on settling my claim with Amica. How long do I have to file a lawsuit in Colorado for underinsurance of my structure? Thanks, Mark

Stacy Tucker answered 4 years ago • Underinsurance • Colorado

2529 views2 answers

Selling a house with an open insurance claim

My house has been remediated but it looks like it will be months before my contents claim–textiles and art–is submitted and reimbursed. I’d like to put my house on the market. Will selling my house cause problems with my open claim?

Tom Henderson answered 4 years ago • General Question • Colorado

2262 views1 answers

Code upgrades

A friend has been told that Colorado Law requires that insurance companies pay for code upgrades when figuring the rebuild cost for a destroyed house, and that this is true even if you have reached the maximum of your insurance limit without including the cost…

Tom Henderson answered 4 years ago • Coverage Question • Colorado

2203 views1 answers

Dry cleaning clothes from smoke damage

My home and contents were affected by smoke damage from the recent Black Forest fire in Colorado. A dry cleaning company came to our home, while we were not there, and removed every item they deemed worthy of “dry cleaning”. We never received a prior…

Tom Henderson answered 5 years ago • Colorado

5257 views1 answers