Skip to content

Sandy M. Eloranto

Shareholder

Sandy Eloranto has been defending insurance companies and their insureds for over 20 years. She now focuses on defending insurance carriers in bad faith cases stemming from storm and property damage claims in Colorado. Sandy also defends UM/UIM claims and bodily injury claims, and spent 10 years defending doctors and hospitals in medical malpractice cases. Sandy has also defended pharmaceutical companies in drug and device cases and handled small E-Discovery matters.

D | (720) 625-8833
O | (303) 730-6204

Admissions

Colorado

Washington (inactive)

United States District Court, District of Colorado

Education

B.S., Oregon State University

J.D., University of Oregon

Sandy has successfully defended her clients in property damage bad faith cases stemming from hail, wind, fire, and water damage. Her team secured a defense verdict in a federal district court jury trial where the insureds claimed their tile roof could not be repaired. Sandy successfully defended a carrier in a fire case where the insured had moved out of state and misrepresented how often and for what purpose she returned to Colorado. The district court’s dismissal, determining the insured was not residing in Colorado at the time of the fire and had made misrepresentations during the claim that barred coverage under the policy, was affirmed by the Tenth Circuit Court of Appeals, creating new law in Colorado on residency under a Homeowners Policy. Sandy also obtained dismissal in a bad faith suit related to wind damage to a wood shake roof where actual cash value was defined in the policy and the roof was past its life expectancy. Her team secured dismissal of bad faith claims in a wildfire case where the Court agreed the insureds had not requested the amounts it now claimed were withheld in bad faith before filing suit, and had no evidence more than the amounts paid to date was incurred.

Sandy was named a Colorado Super Lawyers Rising Star® in 2010 and a Colorado Super Lawyer® from 2019 – 2025. She is currently serving her second term as the Region 2 VP for the CBA and CBA Executive Council and is a member of the Colorado Judicial Performance Committee for the 18th Judicial District. Sandy has also been active in the Faculty of Federal Advocates, Colorado Women’s Bar Association (board member 2005-2007), Colorado Defense Lawyers Association, and DRI. In law school, she was an editor for the Oregon Law Review.

  • Obtained a defense verdict in a federal district court jury trial where the jury rejected Plaintiffs’ claims their tile roof had new hail damage that could not be repaired.
  • Obtained summary judgment in a wind damage bad faith case where the Court agreed Plaintiff could not establish the wood shake roof, well beyond its life expectancy, had any actual cash value under the HO Policy’s definition of ACV.
  • Obtained summary judgment in a wildfire case where Plaintiffs could not establish more than what was already paid was incurred or requested before suit was filed.
  • Obtained summary judgment in fire case where the insured was not residing at the property at the time of the fire and misrepresented facts after the claim. Upheld by 10th COA.
  • Successfully fought off a late request to add a punitive damages claim in a property bad faith case filed in Federal District Court.
  • Obtained dismissal of bad faith claims under Rule 12 in a dispute over the nature and extent of hail damage to a commercial building by proving the information had not been provided to the carrier before suit was filed.
  • Prevailed on multiple pretrial motions in a UM/UIM bad faith case, leading to a favorable settlement for the client. The Court’s rulings excluded most of the Plaintiff’s bad faith expert’s opinions, the policy limits, evidence about plaintiff’s reasonable expectations when purchasing coverage, reserves, and speculative future lost wages.
  • Obtained an order quashing substituted service under CRS § 42-7-414(3)(a) on a driver who was not a named insured as a violation of the driver’s due process.
  • Colorado Women’s Bar Association
  • Faculty of Federal Advocates
  • Colorado Defense Lawyers Association
  • Defense Research Institute
  • Arapahoe County Bar Association
  • Colorado Bar Association
  • 2010 Colorado Super Lawyers Rising Star®
  • 2019 – 2025 Colorado Super Lawyer®
  • Region 2 VP, CBA Executive Council
  • Colorado Judicial Performance Committee, 18th Judicial District
  • Volunteer Judge, Arapahoe County Bar Association Mock Trial Tournament
  • Oregon Law Review

Sandy 's News