“Royce found an endorsement the adjuster never mentioned. It covered exactly the part of the roof they said wasn't covered.”
Lorna P.Homeowner, Long Beach
Policyholders only · Mobile · Gulfport · Lake Charles
The insurer said no. That isn't the last word.
We represent Gulf Coast homeowners and business owners whose hurricane, wind, flood and fire claims were denied, stalled or paid short. We never work for insurance companies.
- We work for policyholdersNever for insurers
- No fee unless we recoverA share of what we collect
- Free policy reviewBring the denial letter
- Three officesMobile, Gulfport, Lake Charles
No fee unless money is recovered. Case costs, such as engineer, expert and filing fees, may still be owed; the fee agreement spells out which.
What happens to my…
What happens to my claim now?
Six worries we hear in the first call, and where each one leads.
What if they say it was flood, not wind?
Wind or water is the oldest argument on this coast. We find out what failed first, the roof or the surge, with engineers the insurer didn't hire.
Hurricane and wind claimsWhat if they paid for half a roof?
A patch where the whole roof failed, shingles that can't be matched, no money for code upgrades. Short checks are often where a claim is won.
Underpaid claimsWhat if they say I reported it too late?
Late notice is a common reason given and a weak one when you were evacuated, waiting on a contractor or already calling. We check what the policy actually requires.
Denied claimsWhat if the fire was ruled 'undetermined'?
An open cause isn't a finding against you. We bring in our own investigator and make sure the insurer's questions are answered on paper, not on the phone.
Fire and smoke damageWhat if my shop can't open?
Business interruption pays for lost income while you rebuild, if someone proves the numbers. We work with your bookkeeper to put the loss on paper.
Business claimsWhat if they just stop calling back?
Months of silence, a new adjuster every few weeks, the same documents asked for again. Sometimes that's more than slow. It can be bad faith.
Bad faith
Straight answers
Before you call anyone back
Do I need a lawyer or a public adjuster?
A public adjuster prices a claim and negotiates it for a share of the payment. We're lawyers: we can sue, take sworn statements and bring a bad-faith claim. We aren't public adjusters, and if you already have one, we can work alongside them.
What will this cost me?
Nothing up front. We work on a contingency fee: a share of what we recover, set out in writing before we start. If nothing is recovered, you owe no fee. Case costs, like engineer reports and filing fees, are explained in the fee agreement, including when they would be yours to pay.
Is there a deadline I could miss?
Not as long as you'd think. The policy sets its own deadlines for notice, proof of loss and lawsuits, and the law adds others. They differ by policy and by state, so send us the policy and the letter now and we'll tell you yours.
I already cashed a check. Is it too late?
Usually not. Cashing a partial payment rarely ends a claim unless you signed a release. Keep the check stub and the letter that came with it, and bring both.
Can I start repairs before this is settled?
Yes, and the policy usually expects you to stop further damage. Photograph everything first, keep the damaged materials if you can, and save every receipt, from the tarp to the hotel.
How we start
Your policy is a contract. We read it like one.
Most denials lean on a few lines: an exclusion, a deadline, a definition. Most policies run to sixty pages or more, and endorsements change what the first pages say. Before we call the insurer, a lawyer reads the whole thing, then puts it beside the denial letter and the adjuster's estimate.
The declarations page and every endorsement
The denial letter, line by line
The adjuster's estimate against a contractor's
Every deadline, written on the front of your file
From clients
Heard back, finally
“After the fire they wanted a sworn statement in a week. Percy sat next to me for all four hours, and he'd read every page of the file before we went in.”
Hollis T.Restaurant owner, Sulphur
“I'd been sent the same document list three times. Dorsey sent one letter and the insurer answered in nine days.”
Ngoc A.Homeowner, Bayou La Batre
Each client's claim is different. These describe one client's experience and don't predict how yours will go.
Three offices
On the coast, between the storms
The same lawyers and the same fee at each office. If you were evacuated, we meet by video or come to the house.
Mobile
Address: 152 Government Street, Suite 400 Mobile, AL 36602Phone: (251) 555-0147Hours: Monday – Friday: 8am – 5:30pm After a storm: Sat 9am – 1pmParking in the Government Street garage; bring the ticket up to be stamped.
Directions to the Mobile officeGulfport
Address: 1312 25th Avenue, Second floor Gulfport, MS 39501Phone: (228) 555-0163Hours: Monday – Friday: 8am – 5:30pm After a storm: Sat 9am – 1pmFree parking behind the building, off 14th Street.
Directions to the Gulfport officeLake Charles
Address: 901 Ryan Street, Suite 300 Lake Charles, LA 70601Phone: (337) 555-0158Hours: Monday – Friday: 8am – 5:30pm After a storm: Sat 9am – 1pmStreet parking on Ryan Street; the lobby door is on Broad Street.
Directions to the Lake Charles office
Bring the denial letter. We read it free.
Send the letter and the policy, or just call. A lawyer reads them and calls you back with what we'd do next, whether or not you hire us.