When alcohol consumption ties into the death of the policyholder, life insurance claims can and do get denied. Many states allow life insurance companies to add exclusions to their policies when deaths result, either directly or indirectly, from alcohol use.

You purchase home insurance to protect yourself and your home. However, insurance companies primarily sell insurance to make money, so it is not surprising that most insurance policies have a laundry list of exclusions.

Many factors affect when you will hear from your adjuster after filing an initial claim. Some companies return calls within 24-48 hours, while other, smaller companies may take longer to contact you.

Typically, renters insurance may cover a number of expenses and losses stemming from sudden, accidental damage, provided that negligence was not the cause. Renters insurance is more likely to cover a sudden and unanticipated event that occurs in your dwelling like a burst water pipe (provided you were not somehow negligent). Generally, renters insurance will not cover water damage caused by a flood.

Fire insurance is crucial for protecting your home and belongings from devastating losses. However, having your fire claim denied can be distressing and add frustration to an already difficult situation. Understanding the common reasons why insurance companies deny fire claims can help you navigate the process and protect your rights. If you are facing a […]

No one likes to be lied to, especially by a professional who is responsible for determining whether your insurance claim is valid. If you have been injured in an accident and have a sizable claim, you may find the tactics used by an insurance adjuster to be accusatory, shrewd, and downright dishonest. 

You can navigate the challenges of dealing with an insurance company by understanding your policy and gathering compelling evidence to support an appeal. For more insights into handling insurance disputes, visit the Wallace Law guide on Wisconsin insurance disputes.

Just because your insurance company has rejected your claim or made an unreasonably low offer does not mean that it is the last word. You can fight back by retaining a dedicated insurance dispute lawyer. Wallace Law works hard to help clients better understand how insurance claims work so they can receive the payouts they deserve.

Learning how to file a bad-faith insurance claim can help ensure that you are not taken advantage of by your insurance company during a difficult time. With Wallace Law, you are not alone in the fight.

Insurance company harassment, bad faith denials, unfair treatment, and violation of consumer rights may all be grounds for an insurance claim lawsuit. Suing an insurance company for bad faith is possible in Wisconsin, but often, companies will do whatever it takes to try to protect their bottom line. When an insurance company puts its own […]

Insurance is crucial for protecting a person’s assets. When the unthinkable happens and you need that insurance to cover the repair, replacement, or expenses associated with a loss, a denial of your claim can place you in an incredibly stressful position.  Insurance companies may deny claims, but there are still steps you can take to […]

All employee benefit programs are subject to a federal law known as the Employee Retirement Income Security Act, or ERISA. In the ‘60s and early ‘70s, our federal government created certain protections for employee benefit plans after it became clear that many were poorly funded and never vested. However,  employer-sponsored health plans were somehow able to slither into protections that were initially designed for union pension funds.

If you suspect that your insurer is playing games to dodge payments, contact Wallace Law for help. We understand how health insurance claims (and companies) work and can help you get the compensation you deserve.

After a loved one's passing, life insurance is supposed to help ease financial anxiety and other uncertainties. However, challenges may arise in the form of unpaid premiums, policy exclusions, or bad-faith insurance dealings that prevent beneficiaries from receiving the proceeds of the life insurance policy.

Insurance claims are not always cut and dry, and disputes can get out of hand quickly without comprehensive legal assistance. Wallace Law will always put your interests first and make sure your insurance needs are adequately addressed.

Planning for the golden years of your life can be difficult and overwhelming. Long-term care insurance steps in to bridge the gap, protecting your independence and quality of life.