Insurance coverage disputes
A claim was denied, delayed or paid for less than the loss
We represent homeowners, landlords and business owners when an insurer says no, stops answering or pays only part of a property or business-interruption claim. We also defend insured people and companies when the insurer refuses to defend a lawsuit.
A policy is a contract, and it is usually longer and stranger than the sales pitch. We read it from the declarations page to the last endorsement, then compare it with what the insurer wrote when it denied the claim. Many disputes end when the insurer is shown its own language.
Typically we handle
Denied or underpaid property damage claims
Business-interruption and lost-income claims
Disagreements over what a policy covers
Delay in handling or paying a claim
An insurer that will not defend a suit against you
The denial letter
What the denial letter says, and what we check
It is excluded
We read the exclusion in full, then the exceptions to it, which are often what the claim depends on.
You gave notice too late
We check when the loss was discovered, what the policy requires, and whether the delay actually hurt the insurer.
The damage was already there
We gather dated photos, repair records and the adjuster's own notes to show what changed and when.
The proof of loss is incomplete
We rebuild the inventory and estimates so the amount claimed is documented line by line.
Sample matters
Sample coverage outcomes
Claim paid
Storm damage to a commercial roof
Sample: a landlord's denied roof claim was paid at $72,000 after the insurer reread its own exclusion.
Sample figure
Insurer defends
Contractor sued by a customer
Sample: an insurer that first refused to defend agreed to cover a contractor's defense costs.
Sample outcome
Invented sample matters. Past results do not guarantee a similar outcome; every case depends on its own facts, and clients remain responsible for costs and expenses.
Insurance coverage
Bring the policy and the denial letter
Those two documents, and the photos you have, are enough to start. We will tell you whether the denial holds up.