Frequently AskedCommon Questions
Quick answers to the things most people ask before their first consultation.
Is the consultation really free?
Yes. We offer a complimentary consultation of up to 30 minutes to review your situation and determine whether we may be able to help. There's no cost and no obligation. Contacting us does not, by itself, create an attorney-client relationship.
What does Drake Law cost if you take my case?
Most first-party insurance cases are handled on a contingency-fee basis — meaning you don't pay attorney's fees unless we recover money for you. The specific fee arrangement is discussed and agreed to in writing before any representation begins.
I've already gotten a denial letter. Is it too late?
A denial letter is rarely the end of the road. Policyholders frequently have rights to supplemental review, appraisal, and litigation — and Colorado law imposes deadlines that can work both for and against you. The sooner we see the denial, the more options stay open.
Do I need to be in Denver to work with you?
No. Drake Insurance Law serves the full state of Colorado, with the heaviest concentration on the Front Range and Western Slope. Most of our work is done by phone, video, and email. In-person meetings can be arranged when helpful.
Can contractors hire Drake Insurance Law directly?
Yes. We work with restoration contractors, roofers, and GCs whose scopes or invoices are being disputed by carriers. Download the Contractor Toolkit for more on how we structure those engagements.
What should I bring to the consultation?
Whatever you have — denial letter, policy declarations, carrier estimate, contractor estimate, photos, correspondence. Don't worry if you're missing pieces. We can work with what you have and help you gather the rest.
How long do these cases take?
It depends on the path. A demand-letter resolution may take weeks. An appraisal may take a few months. A bad-faith lawsuit can take a year or more. During the free consultation we'll give you a realistic sense of timeline based on your specific facts.