FAQ
Questions policyholders ask us
Do you ever represent insurance companies?
No. We represent policyholders only: homeowners, landlords, churches and small businesses.
Are you public adjusters?
No. We're lawyers. A public adjuster prices and negotiates a claim; we can also sue, take sworn testimony and bring a bad-faith claim.
Who pays you, and when?
A contingency fee: a share of what we recover, in a written agreement. If nothing is recovered, no fee is owed. The agreement also says which case costs, such as engineer reports and filing fees, you could still owe.
How long do I have to act?
The policy has its own deadlines, and the law adds more. They vary by policy and state, and some are short. Send us the policy now and we'll find yours.
My claim is still open. Is it too early to call?
No. Many clients call while the claim is still being adjusted, and the advice is most useful before a denial is written.
Should I give a recorded statement?
You may have to, but you don't have to do it on the insurer's schedule or alone. Call us first.
Can I still hire you if I signed a release?
Bring the release. It depends on what it says and how it was signed, and we'll tell you plainly.
Do you handle flood policies?
Yes, both private flood policies and federal flood insurance, which has strict proof-of-loss rules of its own.
Can my insurer drop me for hiring a lawyer?
Hiring a lawyer to collect what your policy owes is your right. If you are worried about renewal, ask us how the rules work in your state.
Do you take commercial claims?
Yes: shops, restaurants, rental properties, churches and offices, including business-interruption losses.
Still wondering about something?
Call any office, day or night, or send it with the form. A lawyer will answer it.