Fremont County · Homeowner's insurance
Florence Dog Bite Insurance Lawyers
A dog bite in Florence usually turns into an insurance claim. Free consultation. No attorney fee unless we recover for you.
Homeowner's and Renter's Insurance in a Florence Dog Bite Claim
When a dog bites someone in Florence, the claim is usually presented to the dog owner's homeowner or renter insurance policy. That policy is often the practical source of any recovery, since most dog owners do not have the personal resources to pay a serious injury claim out of pocket. But not every policy covers dog bites, and we do not assume coverage exists until we have actually reviewed the policy language.
Some policies contain exclusions for certain breeds, for dogs with a documented prior bite, or for dogs kept in connection with a business. Whether any of these exclusions apply depends entirely on the specific policy at issue. We do not guess at what a policy excludes, and we do not treat breed exclusions as something Colorado law requires. We read the actual document.
Because coverage questions can be complicated, we look closely at the policy before telling a client what to expect. Sometimes coverage is straightforward. Other times the insurer raises an exclusion or a coverage defense that has to be evaluated on its own terms.
When a Denial or Delay Becomes Its Own Issue
An insurer may deny a claim outright, delay its response, or offer far less than the injury is worth. A denial or unreasonable delay can raise a separate coverage question, and in the right case, a claim about how the insurer handled the matter. That said, not every denial is mishandling. Insurers are entitled to investigate and to apply policy terms, and we do not label ordinary claims processing as bad faith.
What matters is documentation: what the insurer was told, when, and how it responded. We gather the claim correspondence, the policy itself, and the medical and incident records tied to the bite so we can evaluate whether the insurer's position holds up. We do not commit to a theory before we have that paper trail in hand.
- Any letter, email, or claim number the insurer sent you
- The name of the insurance company and the dog owner's contact information
- Photos of the injury and the location, whether near Main Street, East 3rd Street, or elsewhere in Florence
- Records from any treatment, including care at CommonSpirit St. Thomas More Hospital in Cañon City
- Notes on witnesses, including neighbors or passersby in areas like Penrose or along Colorado Highway 115
Handling Florence Claims Through Fremont County
Florence sits in Fremont County, and a dog bite case that cannot be resolved with the insurer may end up filed in Fremont County Combined Courts in Cañon City. We handle the insurance side and, when necessary, the court side, without asking a Florence client to manage both at once.
We work with people bitten in Florence neighborhoods and nearby areas including Cañon City and Penrose, and along corridors like Colorado Highway 115. Our office is in Pueblo at 301 N. Main Street, and we come to where our Florence clients are rather than asking them to do all the traveling.
What an Insurance Claim May Cover
- Medical treatment for the bite and any related complications
- Scarring or disfigurement from the injury
- Lost income if the injury kept you from work
- Pain and suffering tied to the attack and recovery
- Future medical care if ongoing treatment is needed
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Florence — and read client testimonials.
A pickup hit me from behind on Hwy 50 east of Pueblo. The insurer offered $2,600. McCormick & Murphy helped with treatment, filed suit, and the case settled at mediation for $165,000.
C. O., Pueblo · Highway 50 crash
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Florence Homeowner's insurance FAQ
Does the dog owner's homeowner insurance always cover a bite?
Not always. Coverage depends on the specific policy, and some policies contain exclusions for certain breeds, dogs with a prior bite history, or business use of the dog. We review the actual policy before telling a client what to expect.
What if the insurer denies the claim?
A denial can raise a legitimate coverage question that needs to be looked at closely. Not every denial means the insurer acted wrongly, but we evaluate the basis for the denial against the policy language and the facts of the bite.
What if the insurer is slow to respond?
A significant delay can also raise concerns depending on the circumstances. We track the claim correspondence and timeline so we can assess whether the delay is reasonable or a sign of a bigger problem.
What if the dog owner has no insurance at all?
If there is no applicable insurance, recovery becomes more difficult and depends on the owner's personal assets. We still investigate the full picture, including whether the bite happened on rented property or in another situation where a different policy might apply.
Do I need to deal with the insurance company myself?
No. We can communicate with the insurer on your behalf so you are not navigating claim forms and adjuster calls while recovering. Free consultation, and there is no attorney fee unless we recover for you.
Discuss a Florence dog bite
Free consultation. No attorney fee unless we recover for you.