Restaurants are exposed to more physical risk than most businesses. Open flames, commercial ventilation systems, refrigeration units, plumbing lines, grease buildup, and heavy customer traffic create constant wear on the property. Add Wisconsin winters, hailstorms, wind damage, and spring flooding, and the exposure only increases. Having the right insurance coverage can mean the difference between […]

When your home is damaged by a storm, fire, or other disaster, you expect your insurance company to help you recover. After all, you’ve paid your premiums and followed the rules. Unfortunately, many homeowners quickly discover that the claims process is not designed to make things easy. Insurance companies are businesses, and their priority is […]

Strong winds can cause more damage than many property owners expect. Fences are especially vulnerable to wind-related damage, whether from straight-line winds, severe storms, or gusts associated with larger weather events. When a fence is damaged or knocked down, one of the first questions property owners ask is whether insurance will cover the cost of […]

Insurance claims are supposed to follow a predictable path. A loss occurs. The policyholder reports it. The insurance company investigates and either pays the claim or explains, clearly and promptly, why coverage does not apply. When that process breaks down because the insurer acts unreasonably or unfairly, the issue may rise to the level of […]

A denied commercial property insurance claim can put a business in a difficult position. Property damage often disrupts operations, affects revenue, and creates immediate financial pressure. When an insurance company refuses to pay or delays payment indefinitely, the consequences can extend far beyond the physical damage itself. While insurance providers may frame denials as routine […]

A health insurance claim denial can come as a shock, especially when the insurer’s explanation is that the treatment was “not medically necessary.” Patients often hear this phrase after a doctor has already recommended or provided care, leaving them confused about why coverage was refused. A denial based on medical necessity does not always mean […]

Life insurance denials are common, but many can be overturned. Learn why claims get denied, what evidence you need, and how to challenge the decision effectively.

Insurance companies deny claims for many reasons—from policy exclusions to bad-faith tactics. Here’s how denials happen and what legal steps you can take to challenge them.

Renters’ insurance protects tenants of rental property from damages related to smoke, fire, explosions, and other acts of god. It exists to help tenants in the event of a major accident to recover any financial losses. Renters’ insurance can cover a wide variety of accidents, natural disasters, and vandalism, though exactly what is covered depends […]

Don’t let your insurance company leave you with unsafe conditions or unfair bills. If your claim has been denied or underpaid, you have options. Contact Wallace Law today for a free case evaluation, and we’ll get to work reviewing your coverage and picking up your claim exactly where it is.

Long‑term care insurance can cover many of the daily‑life tasks and supervision needs that health insurance or Medicare do not, but coverage is not automatic. Your plan likely has specific triggers, exclusions, waiting periods, and limits. 

You pay your insurance premiums expecting protection in your time of need. But when a hailstorm tears through your neighborhood and damages your roof, the last thing you want to hear is that your claim has been denied. Sadly, that is precisely what happens to many homeowners and business owners across Wisconsin. At Wallace Law, […]

One hailstorm can create thousands of insurance claims on a single insurer, so it’s no surprise that they try to minimize payouts for hail damage when they can.

The aftermath of a flood can be stressful and destabilizing, but when you have insurance coverage, you might think that getting reimbursed for repairs is as simple as filing a claim.

While insurance adjusters are essential to the insurance claims system, it is important to remember that their primary goal when fulfilling these duties is to save the insurance company as much money as possible, meaning they may be motivated financially to deny your claim.

What you do in the aftermath of the fire is critically important both to your insurance claim and to preserving the value of your property.