When Your Insurance Company Says No, We Fight
Insurance companies are experts at denying claims and delaying payments. We level the playing field and fight for every dollar you're owed.
Standing Between You & Bad Faith
- Denied Claims
- Underpaid Claims
- Bad Faith Insurance Practices
- Property Damage Claims
- Health & Disability Claims
We Hold Insurance Companies Accountable
You pay your premiums on time, but when you need your insurance company most, they often look for reasons to deny your claim. Delays, lowball offers, and outright denials are common tactics used to protect their bottom line — not yours.
Our attorneys know the tactics insurance companies use and how to counter them. We handle denied claims, underpaid claims, and bad faith lawsuits. Whether it's a property damage claim after a storm, a health insurance denial, or a complex business interruption claim, we fight for maximum recovery.
$15M+
Recovered For Policyholders
Insurance companies have teams of adjusters and lawyers. So do we. You don't have to fight them alone.
Insurance Claims We Handle
Property Damage
Storm damage, fire, flood, and vandalism claims. We ensure your insurance covers the full cost of repairs or replacement.
Auto Insurance
Denied or underpaid auto claims. We handle collision, comprehensive, uninsured motorist, and PIP disputes.
Health & Disability
Wrongfully denied health insurance claims, pre-existing condition disputes, and long-term disability denials.
Business Insurance
Commercial property, general liability, and business interruption claims. We protect your company's bottom line.
Umbrella & Excess
Excess liability claims and bad faith disputes involving umbrella policies and additional coverage layers.
Life Insurance
Wrongful denial of life insurance benefits. We help beneficiaries collect what their loved ones paid for.
How We Handle Your Insurance Claim
Case Review
We review your policy, the denial letter, and all correspondence to identify grounds for appeal or bad faith claims.
Demand Package
We compile evidence, expert opinions, and a comprehensive demand letter presenting the full value of your claim.
Negotiation
We engage adjusters and insurance counsel, pushing back on lowball offers and fighting for fair compensation.
Litigation
If the insurer refuses to pay fairly, we file a bad faith lawsuit and take them to court for full damages plus penalties.
Why Insurance Companies Deny Claims
Late Reporting
Insurers often deny claims claiming late notice — even when the delay was reasonable. We challenge these denials.
Exclusions & Limitations
Insurers stretch policy exclusions to avoid paying. We scrutinize the fine print and fight narrow interpretations.
Insufficient Evidence
Claims denied for lack of documentation. We gather the evidence needed to prove your loss and overcome these denials.
Lowball Settlement Offers
Insurers offer far less than your claim is worth. We calculate true damages and demand what you're owed.
Tips For Maximizing Your Insurance Claim
Document Everything
Take photos, save receipts, keep a journal of damages and losses. The more evidence you have, the stronger your claim.
Don't Accept The First Offer
Insurance companies start low. Never accept an initial settlement without consulting an attorney who knows what your claim is worth.
Keep Detailed Records
Save all correspondence with your insurance company, including emails, letters, and notes from phone calls with claim adjusters.
Don't Give A Recorded Statement
Adjusters may ask for a recorded statement to find reasons to deny your claim. Politely decline and refer them to your attorney.
Why Policyholders Choose Us
Insurance Law Expertise
Deep knowledge of insurance regulations, policy language, and bad faith statutes at both state and federal levels.
Proven Results
Millions recovered for policyholders through settlements, appeals, and bad faith verdicts against major insurers.
Personal Attention
Every claim gets the attention of an experienced attorney. You're not a case number — you're our client.
Client Success Stories
"Our home was damaged in a storm and the insurance company offered us less than half of what repairs would cost. This firm fought them and got us full replacement cost plus additional living expenses."
Michael & Donna R.
Macon, GA — Property Damage"My disability claim was denied even though my doctor said I couldn't work. The attorneys here handled the appeal, gathered expert opinions, and got my benefits approved."
Stephen K.
Warner Robins, GA — Disability ClaimCommon Question
What is bad faith insurance?
Bad faith occurs when an insurance company unreasonably denies, delays, or underpays a valid claim, or fails to properly investigate your claim. Under Georgia law, you may be entitled to damages beyond your policy limits — including attorney fees and penalties — if the insurer acted in bad faith.
How long do I have to file an insurance claim in Georgia?
Most insurance policies require you to notify the insurer of a claim promptly — often within 30-60 days. However, the statute of limitations for filing a lawsuit for breach of contract or bad faith is typically 2-6 years depending on the type of claim and policy language.
What should I do if my claim is denied?
First, review the denial letter carefully for the specific reasons given. Then contact an attorney before responding. Do not accept the denial as final — many denials are overturned with the right legal strategy. We can file an appeal, demand reconsideration, or pursue litigation.
Can I sue my insurance company?
Yes. You can sue your insurance company for breach of contract (failing to pay what the policy requires) and for bad faith (unreasonable handling of your claim). In Georgia, successful bad faith claims can result in damages up to 50% of the claim amount plus attorney fees.
How much is my insurance claim worth?
The value depends on your policy limits, the extent of your loss, and whether the insurer acted in bad faith. We evaluate your policy, damage estimates, and all available coverage to determine maximum recovery — including potential penalties for bad faith.
Your Insurance Company Owes You Fair Treatment
Let us fight for the full settlement you deserve.
Get Your Claim Reviewed
