Personal
Insurance Claims
Denied, delayed and underpaid claims for property, disability, life and liability coverage.
Insurance policies are written by insurers, and the process for claiming under them is designed by insurers. When a claim is denied or an offer is far below the loss, the imbalance is the point.
We read the policy, identify the obligations the insurer actually owes you, and press the claim through the complaint, appraisal or litigation route that fits.
When clients call us
- A property, fire, flood or theft claim has been denied
- Long-term disability benefits were terminated
- A life insurance payout is being refused or delayed
- The settlement offered is far below the documented loss
- The insurer alleges misrepresentation on the application
If your situation is not on this list, call anyway. We will tell you whether this is the right area, or point you to the one that is.
How it works
What happens after you call
- 01
Policy review
Coverage, exclusions, conditions and deadlines. The answer is usually in the wording.
- 02
Documenting the loss
Valuations, medical evidence and records that meet the standard the insurer will be held to.
- 03
Formal challenge
Written position to the insurer and, where appropriate, escalation through the complaint process.
- 04
Litigation
A claim against the insurer, including bad-faith conduct where the facts support it.
Common questions
Insurance Claims: what people ask first
- My claim was denied. Is that final?
- No. Denials are frequently reversed once a lawyer puts the policy language and the evidence in front of the insurer.
- Do I have to accept the adjuster's valuation?
- No. You are entitled to what the policy provides, and independent valuation evidence often shows a materially higher figure.
- Is there a deadline to sue an insurer?
- Yes, and some policies impose shorter limits than the general limitation period. Get advice quickly.
No obligation
Speak to a insurance claims lawyer
At the first meeting we explain the whole process, and from there you are kept up to date on what is happening. There is no cost to find out where you stand.