We Represent You, Never the Carrier
Insurance companies have an army of adjusters working to pay as little as possible. We’re the property insurance claim lawyers on the other side of that fight representing policyholders, never insurers.
A denied or underpaid claim can leave your home in limbo. We help homeowners cut through the adjuster reports, depreciation, and fine print to see what your policy actually owes. If your storm, hail, roof, fire, or water damage claim was denied, delayed, or underpaid, we'll review it for free and tell you straight.
When a commercial claim stalls, every day costs you repairs, revenue, tenants, and operations. We take on the disputes carriers hope will wear you down: large losses, business interruption, engineer reports, and undervalued estimates. Our property insurance lawyers fight to get your property — and your business — back on course.
You identify the damage. We help policyholders fight back when the insurance company refuses to pay properly — no friction, no slowing the job, and we keep you in the loop from referral to resolution. When the carrier's estimate doesn't match the scope, send the claim for legal review.
A denial is an opinion, not a verdict. Most rest on a policy exclusion read too generously.
A check that won't cover the repair is a shortfall, and the estimate behind it can be challenged.
Carriers owe you deadlines. Silence and repeat inspections are not a lawful process.
When the conduct itself breaks the contract, the carrier can owe more than the claim.
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Our firm represents policyholders in all 50 States
Request a written explanation citing the specific policy language used to deny your claim, then review your policy and gather your own documentation of the damage. Many denials are appealable, and an attorney can evaluate whether the insurer acted in good faith.
State law generally requires insurers to investigate and respond to claims within set timeframes. If your claim is being delayed without explanation, document all communications and consult an attorney, as unreasonable delays can sometimes constitute bad faith.
An underpaid claim means the insurer’s payout doesn’t cover the actual cost to repair or replace the damage. This often results from outdated pricing, excluded repairs, or misapplied depreciation, and comparing the insurer’s estimate to an independent contractor estimate is the best way to spot it.
Yes, you have the right to dispute an estimate that doesn’t reflect the true cost of repairs. This can involve submitting your own contractor estimate, invoking your policy’s appraisal clause, or pursuing a formal dispute with legal help.
An attorney isn’t legally required, but insurers have teams working to minimize payouts, which makes claims difficult to navigate alone. An attorney can interpret policy language, challenge lowball estimates or denials, and manage the dispute on your behalf.
Send us the policy, the estimate and the letter. We read all of it and tell you plainly whether you have a case.
Independent inspection, our own scope of loss, and a route — negotiation, appraisal or suit — chosen for your claim.
The carrier deals with us from here. You get the updates; we carry the deadlines, the experts and the argument.
Do not lose hope if you have filed an insurance claim and were denied or underpaid. Let the Chad T. Wilson Law Firm get justice for you.
