Boulder and Weld counties · Homeowner's insurance
Longmont Dog Bite Insurance Lawyers
We help Longmont dog bite victims deal with homeowner's insurance issues. Free consultation, no fee unless we recover.
Homeowner's Insurance and Dog Bite Claims in Longmont
When a dog bites someone in Longmont, the claim is usually presented to the dog owner's homeowner or renter insurance policy. Not every policy covers dog bites, and coverage depends on the specific policy language the owner has in place. We review the policy to understand what is and is not covered before moving forward with a claim.
Some policies contain exclusions that can affect a claim. An insurer may point to a breed exclusion, a prior bite by the same dog, or business use of the dog as reasons to deny or limit coverage. These exclusions come from the policy itself, not from a fixed list required by law, so each case depends on the actual terms of the owner's policy.
We help Longmont clients sort through what a homeowner or renter policy actually says and how that language applies to their situation. This means requesting the policy, reviewing declarations and endorsements, and identifying what arguments the insurer may raise before we respond on the client's behalf.
Handling Delays and Denials
An insurance company that delays or denies a dog bite claim can raise a legitimate coverage dispute. We look closely at the reasons given for a denial and compare them against the policy language and the facts of the bite. Not every denial reflects bad faith handling, but in the right case, how an insurer processed and responded to the claim can itself become part of the matter we pursue.
We gather the documentation that supports a claim against a homeowner or renter policy, including correspondence with the insurer, the policy itself, and records related to the bite and the resulting injuries. Keeping track of every communication from the insurance company helps us evaluate whether the claim was handled properly under the terms of the policy.
- Any letters or emails from the dog owner's insurance company
- The name of the insurance company and policy number, if available
- Photos of the injury and the location where the bite occurred
- Contact information for the dog owner and any witnesses
- Medical records related to treatment for the bite
Serving Longmont and the Surrounding Area
We represent dog bite victims throughout Longmont, including areas near Hover Street, Ken Pratt Boulevard, and Colorado Highway 119, as well as nearby Boulder and Erie. Dog bite injuries treated at UCHealth Longs Peak Hospital often lead to insurance claims against the dog owner's policy, and we help clients understand what that process involves.
Depending on where the bite occurred and where the parties live, a case may be handled through the Boulder County Justice Center or Weld County Combined Courts. Our office is based in Denver, and we work with Longmont clients by phone, video, and in person to review insurance policies and pursue claims.
What a Homeowner's Insurance Claim May Cover
- Medical expenses related to treating the bite
- Costs of follow-up care or additional treatment
- Lost income from time away from work
- Pain and suffering connected to the injury
- Scarring or disfigurement from the bite
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Longmont — 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.
Longmont Homeowner's insurance FAQ
Does every homeowner's policy in Longmont cover dog bites?
No. Coverage depends entirely on the specific policy the dog owner has. Some policies cover dog bite claims, while others contain exclusions that limit or eliminate coverage.
Can an insurance company deny a claim because of the dog's breed?
Some policies include breed-specific exclusions, and an insurer may rely on that language to deny a claim. This depends on the actual policy terms rather than any general rule, so we review the policy to see what it says.
What if the insurance company denies or delays my claim?
A denial or delay can raise a coverage dispute that we evaluate closely. In some cases, how the insurer handled the claim becomes a separate issue we pursue, though not every denial amounts to improper conduct.
What if the dog owner rents their home instead of owning it?
Renter's insurance policies can also provide coverage for dog bite claims, depending on the policy language. We look at the renter's policy the same way we would a homeowner's policy to determine what applies.
How do you find out what the insurance policy says?
We request the policy directly and review the declarations page along with any endorsements or exclusions. This lets us understand the coverage before we present or negotiate a claim.
Discuss a Longmont dog bite
Free consultation. No attorney fee unless we recover for you.