Property Insurance Claims
We handle a full range of property-insurance claims: from business interruption and lost income to additional living expenses (ALE) and specialized coverage such as Jewelers Block policies. Whatever the cause or complexity, if your insurer is delaying, denying or underpaying, we have the experience to help.
Building Collapse Claims
Structural collapses can stem from hidden decay, heavy snow or ice, termite damage or construction defects. Coverage for “collapse” often depends on nuanced policy language and most cover only sudden, entire collapse caused by specific perils.
Our attorneys carefully review policy language and endorsements, working with structural engineers to prove the collapse was triggered by a covered cause, such as the weight of ice or snow. Insurers frequently blame maintenance or wear and tear to avoid payment, but we fight back with evidence and expertise to enforce the coverage you paid for.
Why you need an experienced Property Insurance Attorney
Insurance companies protect their bottom line, not yours. When you file a substantial claim, they often deploy lawyers to limit payouts. Having an experienced attorney levels the playing field, especially during an Examination Under Oath (EUO) where an insurer’s lawyer questions you under oath about your loss, finances, and property.
Our lawyers prepare clients thoroughly, ensure questions stay within legal limit, and safeguard your rights at every step. Beyond EUOs, we manage the entire claims process, keep the insurer accountable and your claim on track.
Navigating Complex Coverage Disputes
Insurance policies are dense and often confusing. A single clause can determine whether your claim is paid or denied. Our attorneys are national leaders in interpreting coverage, having helped author Michigan Insurance Law and Practice which is the leading treatise in this field. We know how insurers exploit ambiguous language – and how to close those loopholes.
We analyze every provision, endorsement and exclusion to challenge wrongful denials and narrow interpretations. Sometimes a strategic letter from our coverage team prompts payment; other times we pursue appraisal, mediation or litigation. We also handle insurance agent negligence claims when coverage gaps stem from agent error.
Our goal is to ensure you receive every benefit your policy promises for repairs, replacements, loss of use or business losses.
Maximizing Your Insurance Payout
After a disaster, proving the amount of your loss is critical. Our team helps document every detail, including building damage, personal property, inventory, income loss, ALE and equipment replacement, using forensic accountants, estimators and adjusters to calculate true value.
We prepare comprehensive claim packages with evidence, expert reports and itemized valuations, all insurer communications and negotiations to prevent lowball offers or missteps and push for full and fair settlements. When insurers refuse to pay what’s owed, we litigate.
Bottom line: we fight for every dollar you deserve, from initial filing through appeal.