Methodology & Compliance Transparency
Last updated: March 2026
How We Calculate Deadlines
Highground Claims generates statutory deadlines based on published Colorado statutes and regulations. Every deadline shown in the app is derived from two dates you provide: your date of loss and the date your claim was filed.
We do not interpret these statutes. We calculate dates based on the plain text of the law and link directly to the source so you can verify them yourself.
⚠️ Important: This Is Not Legal Advice
Highground Claims is an educational document tracking tool. It is not a law firm, insurance company, public adjusting firm, or licensed advisory service.
- •Deadlines shown are calculated references, not legal guarantees.
- •Statutes may change with legislative sessions. We monitor for updates but cannot guarantee real-time accuracy.
- •Your specific claim circumstances may affect how deadlines apply. Consult an attorney for legal decisions.
- •We link directly to statute text so you can verify every deadline yourself.
Colorado Statutes & Regulations We Reference
Currently, Highground Claims supports Colorado only. Each state has its own insurance regulations. We plan to expand state-by-state as the product grows. Below are the specific statutes used to calculate deadlines in the app:
Unfair Claim Settlement Practices
C.R.S. § 10-3-1104(1)(h)(II) ↗Requires carriers to acknowledge and act reasonably promptly on claims. Industry standard: 15 business days (~21 calendar days) for initial acknowledgment.
Source: Colorado General Assembly (leg.colorado.gov)
Calculated deadline: ~21 calendar days from claim filed
Claim File Documentation & Timely Disposition
3 CCR 702-5, Rule 5-1-14 ↗Carrier must accept or deny the claim within 60 calendar days. After 60 days without resolution, written status updates required every 30 days.
Source: Colorado Secretary of State (coloradosos.gov)
Calculated deadline: 60 days for decision, then 30-day status updates
Mechanic's Lien Filing Deadline
C.R.S. § 38-22-109 ↗Contractors must file a mechanic's lien within 6 months of last furnishing labor or materials. Homeowners should monitor for lien filings from contractors involved in their claim.
Source: Colorado General Assembly (leg.colorado.gov)
Calculated deadline: 6 months from last work performed
Unreasonable Delay or Denial (Bad Faith)
C.R.S. § 10-3-1116 ↗Provides for treble damages (3x) when a carrier unreasonably delays or denies benefits owed under a policy. This is the primary enforcement mechanism for homeowners.
Source: Colorado General Assembly (leg.colorado.gov)
Calculated deadline: Ongoing — applies to carrier conduct throughout claim
Statute of Limitations — Bad Faith Actions
C.R.S. § 13-80-102 ↗Two-year statute of limitations for filing a bad faith action against an insurance carrier. Clock starts from date of the unreasonable conduct.
Source: Colorado General Assembly (leg.colorado.gov)
Calculated deadline: 2 years from date of loss
How We Stay Current
- •Colorado Legislative Calendar: The Colorado General Assembly meets January through May each year. Bills affecting insurance regulations typically take effect August 7 (unless otherwise specified). We monitor relevant bills during session.
- •DORA/DOI Bulletins: The Colorado Division of Insurance issues regulatory bulletins that can affect claim handling requirements. We check for relevant bulletins quarterly.
- •Confidence Decay Policy: Any statutory citation that has not been re-verified within 12 months is flagged for review. We aim to verify all citations annually against the current published statute text.
- •Human-in-the-Loop Updates: Statute updates are reviewed by a human before being pushed to the app. Automated scraping alone is not sufficient for legal compliance references.
Future: Multi-State & Multi-Jurisdiction
Insurance regulation operates at multiple levels: federal (NAIC model acts), state (statutes and DOI regulations), and occasionally local (municipal consumer protection ordinances). Our architecture is designed for state-by-state expansion:
- •Each state gets its own deadline generator with state-specific statutes and timelines.
- •Your property address determines which state's regulations apply.
- •Federal baselines (e.g., NAIC Unfair Claims Settlement Practices Act) apply regardless of state.
Priority expansion states will be determined by user demand. Colorado is our launch state because it's where our founder's claim experience — the research that built this product — took place.
Your Role as the Homeowner
Highground Claims gives you the tools to organize your claim and know your deadlines. But you are the decision-maker. The app does not:
- ✕Negotiate with your insurance company on your behalf
- ✕Provide legal advice or recommend specific actions
- ✕Act as a public adjuster or insurance agent
- ✕Guarantee outcomes for your claim
The app does:
- ✓Calculate and display statutory deadlines with direct links to the law
- ✓Help you organize documents, parties, and financial records
- ✓Export your data anytime in multiple formats — your data is yours, always
- ✓Provide educational context so you can have informed conversations with your adjuster, contractor, or attorney
Questions About Our Methodology?
We believe transparency builds trust. If you have questions about how we source or calculate any deadline, or if you believe a citation is outdated, please contact us: