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 […]

Flood damage can upend a renter’s life in a matter of hours. Personal property is ruined, living spaces become uninhabitable, and the cost of replacing everyday essentials adds up quickly. Many renters assume their renters insurance will step in when this happens. Often, it does not. The reality is that renters insurance and flood insurance […]

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 […]

Wind damage to your roof is serious. Without proper repairs or replacement, your entire property could be at risk, costing you thousands of dollars in structural damage down the road. Don’t let your insurance company leave you with unsafe conditions or expensive repairs you shouldn’t have to pay for.

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.

If you ever face a situation where your fire damage claim is delayed or denied, do not assume there is nothing you can do about it. Review your policy, gather all documentation, appeal, and if needed, reach out to a fire damage claim lawyer. Knowing your rights ahead of time can help protect you and your family.

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.

Mold that occurs due to ongoing water damage is typically not covered under your homeowners’ insurance policy.

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.

No matter what insurance provider you get your coverage through, there is always a chance that you will have to contend with denial. Familiarizing yourself with health insurance denial rates by company is part of the picture, but so is understanding how to push back against unjust claim denials.

Applying for long-term care insurance can be frustrating because there is often a short window of time between when a person starts displaying a need for long-term care and when their condition or age has progressed to the point of becoming ineligible for long-term care insurance.

The short answer is that yes, filing a homeowner’s insurance claim may temporarily raise your rates. However, some types of claims can raise your rates more than others.