My Colorado homeowners insurer is dragging out or denying my hail claim. What does state law give me?

Colorado has a short statute for this. A person in the business of insurance may not unreasonably delay or deny payment. That covers a claim for benefits owed to a first-party claimant. You are a first-party claimant if you claim benefits owed under your own policy. The statute names two who are not. A nonparticipating provider performing services. And a person making a claim against someone else's liability policy [1].

The law then says what unreasonable means. A delay or denial was unreasonable if the insurer held back payment of a covered benefit. It did so without a reasonable basis [1].

Now the remedy. A first-party claimant can sue in district court if the claim was unreasonably delayed or denied. The court can award reasonable attorney fees and court costs, and two times the covered benefit. Two nearby rules are written for other lines. One is a ban on discretionary clauses. One is a right to a jury. They are for health, life or disability policies [2].

The day-count question has no answer here. These two sections set no number of days for the insurer to pay a hail claim [1] [2]: "Don't know yet".

Open the official Title 10 PDF and read 10-3-1115 and 10-3-1116 in full. The text quoted here is the 2023 edition of the statute, so check the state's current text before you rely on a date or a number. The Colorado Division of Insurance also takes complaints, and its own page carries those steps; we do not quote them here.