Questions policyholders ask

Yes. A denial is the insurer's reading of your policy, and it can be wrong. Policies are long, and exclusions come with exceptions the first letter often leaves out. That is why we read the whole policy before the letter.

Your policy and the law set deadlines, and some are short. A few begin on the day of the loss, not the day of the denial. Send us the letter as soon as you have it and we will tell you which dates apply.

You pay no fee unless we recover more than the insurer had offered. We advance case costs and are repaid from a recovery; if there is none, you owe neither the fee nor the costs. The fee agreement puts all of it in writing before you sign.

No. Calling before you accept or sign a release is better, because a signed release can end the claim. We can tell you quickly whether the offer looks complete.

Many claims end with a letter, a reinspection or an appraisal, and no lawsuit. When the insurer will not move, we tell you the next step, what it costs in time, and let you decide.

Yes. Flood policies are written differently from homeowner policies, with their own forms and deadlines. We read whichever applies, and often both.

Protect the property, photograph everything, and report the claim in writing. Keep damaged items where you safely can, and save every receipt.

Small landlords with a few rental homes, yes. We ask for the lease on a rented unit as well as the policy.

Not at first. Most first calls are by phone. We may ask to meet once there is paper to go through, and we can come to the property when it helps.

Where the insurer is based matters less than where the loss happened and where the policy was issued. Tell us both and we will sort out which rules apply.

You get a call or a short written update at each step, and the lawyer who took your file takes your calls.