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Yes. All policies require you to report damage promptly. Waiting too long could give your insurance company grounds to deny your claim. 

You have legal rights. Insurance companies often deny claims citing exclusions or minimize payouts. We can review your policy, investigate the damage, and pursue the full benefits you are entitled to. 

Yes, but I don't recommend it. Insurance companies are not charities, they are for profit compnay, which means their goal is to limit their financial responsibility to you! Many homeowners find that insurers delay, deny, or underpay when homeowners go it alone. A lawyer ensures your rights are protected, deadlines are met, and your claim is maximized. 

This is a common tactic insurers use to avoid paying. We work with independent experts to show when a covered event, like a storm, caused the damage. 

We only get our fees and costs if and when we recover money for you! - What does that mean? You don't directly pay for our services, we get a percentange of the final settlement / award. If we don't win, you don't owe us anything. 

Homeowners Policies usually cover sudden and accidental damage such as:

• Wind and storm damage
   
• Fire and smoke damage
   
• Water damage (not flood, unless you have a separate flood policy)
   
• Vandalism or theft
  Coverage depends on your policy terms, so a careful review is important.

It depends. Some claims resolve in weeks, while others may take months, especially if the insurer disputes the claim. Our job is to push the insurer to move quickly and fairly. 

• Your insurance policy
   
• Photos/videos of the damage
   
• Receipts for temporary repairs
   
• Contractor estimates
   
• Any communication with your insurance company

It’s best to call before problems arise. But if your claim has been delayed, denied, or underpaid, or if the insurance company is making things difficult, reach out immediately—we can step in and fight for you.