Storm, fire, or snow damaged your property? We fight insurers so you get paid fairly.
24/7 Direct Attorney Access ◆ 40+ Years of Combined Experience ◆ Licensed in FL, CO & IL
Years of Combined Experience
Clients Represented
Recovered Over the Last 10 Years
Direct Attorney Access
Grande Law is a boutique criminal defense and personal injury law firm with offices in Miami, FL and Steamboat Springs, CO. Founded by managing partners Stacy Marczak-Grande and Danny Grande, they bring over 40 years of combined legal experience across criminal defense, family law, personal injury, civil litigation, and property damage claims.
What separates Grande Law from larger firms is straightforward: when you call, Danny or Stacy picks up. Not an AI, not an assistant, not a paralegal. That 24/7 direct attorney access is not a marketing line, it is how the firm operates every day.
Steamboat Springs weather doesn’t just cause damage, it creates insurance disputes. When a claim comes from a hailstorm, a collapsed roof, or a wildfire, insurers frequently underpay, delay, or deny the payout homeowners are owed. If you need a storm damage lawyer who understands how these losses actually happen in Routt County, here’s what we see most often.
Northwest Colorado’s afternoon summer thunderstorms bring hail that can dent, crack, and puncture roofing in minutes. Insurers often argue hail damage is “cosmetic” to avoid a full roof replacement payout, which is where a hail damage attorney becomes necessary.
Open terrain across Routt County produces strong, sustained winds that lift shingles, tear siding, and drive debris into structures. A wind damage lawyer can push back when an insurer tries to attribute wind damage to “wear and tear” instead of a covered event.
Routt County has faced an active, intense fire season, including a 2026 disaster declaration tied to fires burning near Steamboat Springs. Whether your property suffered direct fire damage or smoke and ash contamination, a fire damage attorney can help you fight a lowball or delayed settlement.
Steamboat’s heavy, fast-accumulating snowfall puts real structural stress on roofs. When a roof fails under snow load, insurers sometimes dispute whether the collapse was a covered loss or a pre-existing structural issue, a distinction a roof damage lawyer will scrutinize closely.
Ice dams at the eaves and spring freeze-thaw cycles force water into roofs, walls, and foundations. Left unresolved, this leads to mold growth, and insurers routinely try to deny mold-related damage as a maintenance issue rather than a storm-caused loss, which is exactly when a mold damage attorney gets involved.
Talk to us before you accept whatever your insurer offers.
When your insurer delays, underpays, or denies a legitimate claim, Colorado law gives you real leverage, and a property damage claim lawyer who knows how to use it. Grande Law represents both residential and commercial property owners throughout Routt County against insurers who don’t play fair.
Colorado gives policyholders three years from the date of loss to sue an insurer for breach of a property insurance contract (C.R.S. 13-80-101). If the case involves bad faith, that window shortens to two years (C.R.S. 13-80-102). As a property loss attorney, we calendar the shorter deadline from day one so nothing slips through.
Colorado law prohibits insurers from unreasonably delaying or denying a covered claim (C.R.S. 10-3-1115). If they do, you may be entitled to recover two times the covered benefit, plus your attorney fees and court costs (C.R.S. 10-3-1116).
A large share of Routt County properties are second homes or vacation rentals, and insurers know it. It’s common for an insurer to deny or reduce a claim by arguing the property sat vacant past a policy limit without properly notifying the owner. This is one of the most common residential property damage disputes we handle for Steamboat Springs homeowners.
Steamboat’s downtown businesses, restaurants, and lodging properties face the same storm, snow, and wildfire exposure as homeowners, often with more at stake in lost income. A commercial property damage attorney at Grande Law can pursue both the physical damage claim and any business interruption coverage your policy provides.
Danny or Stacy answers every call personally, day or night. There’s no answering service and no assistant screening your claim before a lawyer actually looks at it.
That experience covers property insurance disputes across multiple states, which means we’ve seen the delay-and-deny playbook insurers run and know how to counter it.
Grande Law is licensed in Florida, Colorado, and Illinois, including federal courts, so out-of-state insurers and adjusters can’t outmaneuver us on jurisdiction.
Grande Law has represented over 5,000 clients and recovered more than $50M over the last 10 years, results built case by case, not through volume settlements.
You won’t get passed between paralegals here. Your case gets direct attention from the attorney handling it, from the first call through resolution.
A three-year Routt County Humane Society sponsor and five-year STARS jacket sponsor. Grande Law is invested in the people and organizations that make Steamboat Springs home.
Every property damage claim is different. These results reflect the level of preparation and advocacy Grande Law brings to every matter.
Past results do not guarantee a similar outcome. Each case is unique and evaluated on its own facts and circumstances.
[Outcome / amount to be provided]
[Outcome / amount to be provided]
[Outcome / amount to be provided]
Photograph and video the damage before any repairs begin, and hold onto receipts, estimates, and any correspondence from your insurer.
Talk directly with Danny or Stacy about what happened, what your policy covers, and what your insurer has said so far.
We review your policy language and take over all communication with the insurer, so nothing you say gets used to undervalue your claim.
If the insurer offers a fair settlement, we negotiate it. If they delay, underpay, or deny in bad faith, we file suit under Colorado’s bad faith statutes.
Whether through settlement or trial, the goal is the same: recovering the full value your policy actually owes you.
Don’t let your insurer decide what your claim is worth.
“They are a blessing, and a team you want on your side. I needed representation last minute, and they were on it. Very good at explaining, and answering any questions I had. It allowed me to breathe, knowing they had my back. Highly recommended.”
“Danny has been a Godsend. He’s a passionate attorney who was always on point and compassionately guided me through all stages of my case. I consider him more than my attorney, something closer to family. If you are in the market for an attorney, please do not hesitate to hire Danny and his staff. He is truly an amazing human being who runs an exceptional law firm.”
“I have been searching for representation for 6 months and was about to give up. After speaking with her she was understanding and agreed to help. After a lengthy conference call I knew that I had someone in my corner who had my back. We have been in communication daily, answering all my questions, not leaving me confused or in the dark about anything.”
Common questions about property damage claims in Steamboat Springs and how Grande Law can help.
You generally have three years from the date of loss to sue your insurer for breach of a property insurance contract. If your claim involves bad faith, meaning your insurer acted unreasonably rather than simply denying coverage, that deadline shortens to two years. Because these timelines can overlap and get complicated, it’s worth talking to an attorney as soon as a dispute starts, not once the deadline is close.
Colorado law prohibits insurers from unreasonably delaying or denying a covered claim. If they do, you may be able to recover two times the covered benefit amount, plus your attorney fees and court costs. This is a real financial consequence for insurers who don’t act in good faith, and most homeowners don’t know it exists.
Not necessarily. Many Routt County properties are second homes or vacation rentals that sit unoccupied part of the year, and insurers sometimes use vacancy clauses to deny claims without proper notice to the owner. Whether that denial holds up depends on your specific policy language and how it was applied.
Yes. Whether your property suffered direct fire damage or smoke and ash contamination, we can help you pursue the payout your policy actually owes, including cases where an insurer has underpaid or delayed the claim.
It depends on your policy and whether the insurer classifies the collapse as storm-caused or as a pre-existing structural issue. Insurers frequently push for the latter because it lets them deny the claim, which is exactly the kind of dispute we review closely.
No. You can contact Grande Law directly, before or after involving a public adjuster. If your claim has already been delayed, underpaid, or denied, an attorney can pursue remedies a public adjuster cannot, including legal action under Colorado’s bad faith statutes.
Insurers count on you not knowing your rights. Talk to Grande Law before you accept a settlement offer.
Reach out today — Stacy or Danny will be in touch directly.
Your information stays confidential.
Stacy Marczak-Grande is locally rooted in the Steamboat Springs community and handles property insurance disputes in Routt County courts. When your claim needs an attorney who actually knows this area, not a call center in another state, Grande Law is that firm.
941 Lincoln Ave Suite 200-E1-F, Steamboat Springs, CO 80487
Stacy is locally rooted in the Steamboat Springs community and knows these courts.