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Homeowner's Insurance Disputes

Helping homeowners recover the full amount owed after a loss

After a loss, your home is your most important investment, and being able to restore it to its original condition is why you have insurance. The way policies are written can make it difficult to understand precisely how coverage is supposed to work.

It is not unusual to have disagreements with your insurance company. If your insurer will not work with you and pay the right amount, or is not being fair, you should get legal help.

What to do after a loss

Notify your insurance company as soon as possible. While you can contact your insurer by phone, most also require written notification.
Immediately take steps to prevent further damage and secure your property to the extent possible. You have a duty under your policy to take reasonable steps to minimize additional damage and loss.
Understand that failure to take these initial steps may prevent or delay payment of your claim.

Read your policy

Read your policy and make sure you understand the different types of coverage it provides. It is essential to figure out what your policy covers as quickly as possible.

Restoring your property

Most homeowners are not familiar with current construction methods and costs. For that reason, relying on the insurance company to tell you what they owe can be a mistake.

Resolving your claim

When settling any part of your insurance claim, be wary of cash-out settlement offers. A cash-out settlement should not be accepted unless you are sure you can get the necessary repairs done for that amount. Unless you are qualified to evaluate the insurance company's offer, you should rely on estimates from independent professionals acting in your interest rather than the insurer's. The biggest mistake many people make after a significant loss is to accept payment of an amount insufficient to restore their home and property.