Homeowners insurance often covers hail damage in Wisconsin, but disputes frequently arise over coverage limits, exclusions, and how insurers evaluate storm-related losses.

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.

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 […]

Sometimes, the insurer flat-out denies your claim or offers a low settlement. This is where a lawyer can step in to ensure you receive deserved compensation.

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.

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.

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.

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

Homeowners insurance may cover snow damage in Wisconsin, but coverage depends on the cause of the loss and policy exclusions. Disputes often arise over whether damage was sudden or due to maintenance issues.

Homeowners insurance may cover septic tank damage if caused by a sudden covered event, but it typically excludes failures due to age, wear, soil conditions, or poor maintenance.

Homeowners insurance may cover window replacement if damage was caused by a sudden covered event like wind, hail, or vandalism, but not for wear, rot, or gradual deterioration.

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 […]

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 […]

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.