The Denver Law Firm

05/23/2026

So FB killed the "Friends" feed and now my page is flooded with ads for stuff I have no interest in. Seems like a desperation measure for a failing social media platform. Ironic in that the whole point of the platform was to connect with friends and family and they want to make it harder and harder to do that. Not sure how much longer I can hold out here.

02/03/2026

More evidence that insurance companies are agents of evil - this time courtesy of United Healthcare.

An extensive review reveals what the nation’s largest insurer reportedly did to prioritize revenue.

12/04/2025

Thinking about hiring a home improvement contractor? Make sure they are up to speed on their license and insurance requirements. These Ocean County contractors were caught doing business but not complying with their license requirements.

A dozen and a half contractors were fined by the state $2,500 each for failing to renew or failing to register their businesses, authorities said.

10/01/2024

Many homeowneers and businesses have been terribly impacted by Hurricane Helene. For those dealing with these losses here is as list of recommended First Steps prepared by policyholder advocate group United Policyholders :

- Take photos BEFORE clean-up, disposal or repairs. Photo document all damage.

- Keep a daily journal with notes on conversations with insurance, repair, government, and other professionals, names, phone numbers, email addresses.

- Focus on drying/cleaning out, avoiding further damage and getting the damage inspected, measured, and estimated by qualified and reputable experts.

- Get a complete copy of your current home insurance policy and any other separate policies you may have in place such as auto, flood, wind, water line insurance, etc. Check your deductibles.

- If the damage is above your deductible, notify your agent and they’ll get your claim started. If you bought your insurance direct through an insurance company, notify them and they will open a claim and assign you a claim number. If you had only minor damage, it’s best to pay for repairs out of pocket.

- Most home policies cover damage from wind-driven rain and trees but exclude coverage for flood damage.

- Flood insurance policies have different deadlines and rules than home insurance policies.

- If you have a flood insurance policy, it’s probably a standardized “NFIP” (Nat’l Flood Ins. Program) policy. It also may be a “private” flood insurance policy (not NFIP).

- You may have damage that’s covered by both your home and flood policies.

- If an adjuster says damage isn’t covered, get an independent professional opinion before giving up on getting some or all of your claim paid.

- Give your home and/or flood insurer a chance to do the right thing, but advocate for yourself and be prepared to get professional help if you’re not being treated fairly.

- Register with FEMA even if you don’t plan to apply for aid or an SBA loan.

Speak “UP” (politely push for fair treatment) If you hit a wall, file a complaint with your state insurance oversight agency and get qualified, reputable professional help.

Please fee free to reach out to me with any questions.

06/17/2024

Pet Owners Beware: Nationwide is dropping 100,000 pet insurance policies

Nationwide Insurance said it will not renew about 100,000 pet insurance policies because of a rise in inflation in veterinary care and other factors.

11/07/2023

This is a really solid article describing the artificial, self-serving manner medical insurance companies arbitrarily deny legitimate requests for treatment - and how talented attorneys can help stand up to them. It also highlights how federal law is grossly tilted in favor of insurance companies and against their policyholders and the need to reform existing laws to allow for punitive damages for bad faith denials of claims.

Blue Cross and Blue Shield denied payment for the proton therapy Robert “Skeeter” Salim’s doctor ordered to fight his throat cancer. But he was no ordinary patient. He was a celebrated litigator. And he was ready to fight.

07/12/2023

New York insurance policyholders who have suffered damages in the recent storms should strongly consider submitting verifiable claims to BOTH their homeowners and flood insurance carriers. Please contact The Denver Law Firm with any questions about how to pursue your claims.

03/23/2023

Have you seen this Matawan contractor accused of theft from homeowners? Kudos to South Brunswick Police and the Middlesex County Prosecutor's Office for pursuing this case of serial fraud. I have represented many homeowners who had to sue contractors civilly under the NJ Consumer Fraud Act, in part, because local police and prosecutors are frequently reluctant to actively investigate and pursue these fraud claims.

This contractor is accused of stealing $250,000 from various clients over the past seven years. He remains at large:

03/14/2023

Insurance companies willingly contract to take on risk. But all too frequently they prioritize their profits over their policyholders, who suffer as a result. This article examines the senseless reduction in claim payments by one insurer, with one insurance claim adjuster admitting “I wrote 44 reports for Heritage Property & Casualty, and 100 percent of them were altered to where I did not recognize them. Every single one ...They manipulated our estimates without actually collaborating..." One policyholder describes the impact of these self-serving claim reductions: “They are ruining people’s lives. They are ruining my life,” the 69-year-old said. “I tell them I’m going to go bankrupt if they don’t pay me, but they don’t care.” This is why policyholder counsel fight so hard for our clients, but the courts and regulators need to do a better job stopping this abusive behavior from insurance companies before it ruins more lives.

After Hurricane Ian, Florida insurance companies have been aggressively seeking to limit payouts by altering the work of licensed adjusters trained to assess damaged homes, according to a Washington Post investigation. As a result, homeowners are left footing most of the bill for repairs.

11/11/2022

NJ Contractor Pleads Guilty to Theft, But No Jail Time: This story gives me hope for homeowners who are ripped off by crooked contractors - but also frustrates me. On the one hand, I applaud the Mon Co Prosecutor's office for pursing this theft and getting a restitution order- Its typically very hard getting NJ prosecutors to take these cases seriously. But how much money does someone need to steal before they face actual jail time?

A former contractor who admitted stealing thousands of dollars from a client who had hired him to build a home in Ocean Township will not see the inside of a jail cell, authorities said. Mihkel Grunbaum, 49, of Monmouth Beach was sentenced by a superior court judge to two years of probation and was....

10/03/2022

If you know someone impacted by the hurricane who has suffered loss please be patient and understanding with them. Losing all or part of your home is an extremely traumatic experience. At the same time, please encourage them not to "shut down" and instead be proactive - notify their homeowners insurance carrier, notify their flood carrier (they may be at odds) and notify their umbrella carrier (if they have one). We all buy insurance for this very circumstance, now is the time to use it.