Insurance Claim Problems

Damage occurred and a claim was opened, but payment, coverage, or the repair scope is now disputed.

Common Situations

• claim delayed without clear decision
• payment far below repair estimate
• coverage denied
• repeated document requests without progress

What happens next: The policy, claim file, and communications reviewed first to determine coverage and leverage.

The Real Legal Issue

Insurance cases are contract disputes governed by the policy. The question is whether the policy requires payment for the damage, not whether damage occurred.