HighgroundClaims Wiki

A public playbook for Colorado homeowners navigating insurance claim disputes. Built from real patterns, real frustrations, and real outcomes.

Start Here

• -Import Your Claim — Get your scattered claim emails into one organized timeline. The first thing to do.
• -Water Damage 101 — Types of water loss and what to do in the first 48 hours
• -Document Everything — Photos, videos, receipts, and the paper trail that wins claims
• -Know Your Policy — What's actually covered and the language that matters

Fight Back

• -Common Insurer Tactics — Deny, delay, defend — and how to counter each one
• -Scope Disputes — When your contractor says $70K and the insurer says $20K
• -When to Hire Help — Public adjusters, attorneys, and when DIY stops working

Colorado Specific

• -Your Rights in Colorado — DORA regulations, bad faith triggers, and statutory timelines
• -Filing a DORA Complaint — Step-by-step guide to the Division of Insurance complaint process

Reference

• -Glossary — Insurance terms in plain English

This wiki is general educational information, not legal advice. HighgroundClaims is not affiliated with any insurance company, law firm, or public adjusting firm. For advice specific to your claim, consult a licensed professional.