Homes, rentals and commercial property
We represent homeowners, landlords, renters and business owners. Each has different coverage: dwelling and contents for homeowners, fair rental value for landlords, business personal property and business income for owners. Insurers sometimes overlook coverage parts the policyholder never knew to ask about.
When businesses are hit
A fire can stop revenue overnight while rent, payroll and loans keep coming. Business income and extra expense claims require careful accounting, and insurers frequently dispute the numbers. We work with forensic accountants and other professionals when the claim calls for it.
Common disputes
- Arguments over the cause or origin of the fire
- Claims of misrepresentation or late notice
- Disputes over code-upgrade costs
- Business income calculated over too short a period
- Contents and inventory valued below replacement cost
Questions we hear
The insurer says I misrepresented something on my application. What now?
Insurers sometimes raise rescission or misrepresentation after a large loss. These positions can be challenged, and the details matter. Don't respond in writing before getting advice.
Can a renter make a fire claim?
Yes, if you carry renters insurance. Contents and additional living expenses are typically the key coverages.