Your policy is supposed to be there when you need it.

What this covers

• Denied claims — where the insurer refuses to pay for covered damage.
• Underpaid claims — where the payment offered does not reflect the true cost to repair or replace.
• Delayed claims — where the insurer drags out the process without a reasonable basis.
• Hurricane and windstorm, water and plumbing, roof, and related residential property losses.

What to expect

A homeowners policy is a contract, and the insurer has obligations under it and under state law — including duties about how promptly and fairly a claim must be handled.

We review your policy and the insurer handling of the claim, help develop the documentation and estimates that support the true scope of the loss, and pursue the amount you are actually owed.

Where an insurer conduct crosses the line from a coverage dispute into unreasonable claims handling, a separate bad-faith remedy may apply — see Insurance Bad Faith.

For homeowners — Roof damage and a denied or underpaid claim: a homeowner's guide

Going deeper — how a claim becomes more than a coverage dispute, and how to read the numbers: From claim to Civil Remedy Notice  ·  What "closed without payment" does and doesn't mean  ·  Claims-handling red flags (for claims professionals)