Arapahoe, Adams, and Douglas counties · Homeowner's insurance
Aurora Dog Bite Insurance Lawyers
Aurora dog bite claim caught up in an insurance dispute? Free consultation, no fee unless we recover for you.
Homeowner and Renter Insurance in Aurora Dog Bite Claims
When someone is bitten by a dog in Aurora, the claim is usually presented to the dog owner's homeowner or renter insurance policy. That is the practical source of recovery in most cases, but coverage is not automatic. Not every policy covers a dog bite, and the specific policy language decides what is and is not included.
Some policies contain exclusions tied to certain breeds, a dog's prior bite history, or use of the dog for business purposes. Whether an exclusion applies depends on how that particular policy is written, not on a general rule. We review the policy itself rather than assume coverage exists or assume it does not.
We handle the insurance side of an Aurora dog bite claim so our client is not left negotiating directly with an adjuster. That includes identifying the applicable policy, reviewing its terms, and presenting the claim in a way that addresses the coverage questions the insurer is likely to raise.
When a Claim Is Delayed or Denied
A delay or denial from the insurer can raise a legitimate coverage question. It does not automatically mean the insurer acted in bad faith. There is a real difference between an insurer that is properly evaluating a policy exclusion and one that is mishandling a valid claim, and that difference depends on the facts and the policy.
In a proper case, how an insurer handled the claim can itself become an issue. We look closely at the timeline of communications, the stated reasons for any delay or denial, and whether those reasons match the actual policy language before deciding how to respond.
- Any letter or email from an insurance company about your claim
- The dog owner's name, address, and insurance information if available
- Photos of the injury and the location of the bite
- Names and contact information for witnesses
- Records from UCHealth University of Colorado Hospital or any medical provider
Handling Aurora Dog Bite Claims
We work with dog bite cases arising throughout Aurora, including incidents near East Colfax Avenue, Parker Road, and the areas around E-470. Aurora spans Arapahoe, Adams, and Douglas counties, and where a case falls can affect which court handles it, including the Arapahoe County Justice Center.
Our office is in Denver, and we regularly assist clients from Aurora with the insurance side of their claims, from identifying the correct policy to responding when a claim is delayed or denied.
What an Aurora Dog Bite Claim May Address
- Medical treatment for the bite injury
- Scarring or disfigurement
- Lost income from time away from work
- Pain and physical limitations during recovery
- Future medical needs related to the injury
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Aurora — and read client testimonials.
After I was hit by a drunk driver with no insurance, my own insurer refused UM benefits. McCormick & Murphy sued for uninsured motorist benefits and bad faith. A jury awarded me over $900,000.
C. O., Denver · UM / bad-faith verdict
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Aurora Homeowner's insurance FAQ
Does homeowner's insurance always cover a dog bite in Aurora?
No. Coverage depends on the specific policy language, and some policies exclude certain breeds, dogs with a prior bite history, or business use of the dog. We review the actual policy rather than assume it covers the incident.
What happens if the insurer denies our claim?
A denial can raise a legitimate coverage question, and we look at whether the stated reason matches the policy terms. Not every denial reflects bad faith, but in a proper case the insurer's handling of the claim can become its own issue.
What if the dog owner rents rather than owns their home?
Renter policies can also apply to a dog bite claim, depending on the terms of that policy. We identify which policy is relevant, whether homeowner or renter, before evaluating coverage.
Do I deal with the insurance company myself?
We handle communications with the insurer on our client's behalf, including presenting the claim and responding to coverage questions. This is part of how we manage an Aurora dog bite case from the start.
Does it matter where in Aurora the bite happened?
It can affect which county and court are involved, since Aurora spans Arapahoe, Adams, and Douglas counties. We account for this when handling the claim, including matters that go through the Arapahoe County Justice Center.
Discuss a Aurora dog bite
Free consultation. No attorney fee unless we recover for you.