House fire and smoke
Insurers dispute the cause, how far smoke and soot traveled, the contents list and the cost to rebuild. We check each one against the policy and the evidence.
Major-loss claim help for Georgia homeowners after a house fire, a burst pipe, a tree through the roof, a vehicle into the house, or a total loss. We review your policy and the adjuster's numbers before you accept them.
A big loss is rarely one check. Most homeowners policies split it into parts, each with its own limit and rules, and an adjuster can pay one part fairly and short another.
Before you signA release, or a check described as full and final payment, can affect what you can still recover. Send it to us first. The review is free.
What we handle
Major losses happen across Georgia, and the weather drives many of them: hard freezes that burst pipes in attics and crawl spaces, and thunderstorm winds and tropical remnants that bring pines and oaks down on roofs.
Insurers dispute the cause, how far smoke and soot traveled, the contents list and the cost to rebuild. We check each one against the policy and the evidence.
A sudden burst is usually covered. The fight is often over whether the insurer can call it a slow leak, wear and tear, or a failure to keep the heat on. We read the exclusion and push back where it doesn't fit.
Once a tree opens the roof, water and framing damage follow. Insurers may call the tree rotten or the damage old, and policies often limit tree removal separately from the repair.
A car or truck that hits your house is a property claim, and we handle those. Your homeowners policy may pay for the house even when the driver's insurer is involved, and the two carriers can point at each other while repairs wait. We handle home and business property insurance claims. We don't handle car or auto accident claims.
When a home is destroyed or can't be lived in, the questions are the policy limits, what it really costs to rebuild today, and how long living costs will be paid. We make sure every coverage part is counted before you settle.
Georgia sets fair claim-handling standards for insurers, enforced by the Commissioner of Insurance. If an insurer refuses in bad faith to pay a covered loss within 60 days of a proper demand, Georgia law may allow a penalty on top of the loss, plus attorney's fees (O.C.G.A. § 33-4-6). Your policy also sets a deadline to sue, and it can be much shorter than Georgia's general limit for written contracts. We check that deadline first.
How it works
Most Georgia property owners are surprised how little they have to do once an attorney is involved — even with carriers used to taking advantage of policyholders without representation.
The review is free. Bring the policy, the denial or estimate, and your photos. If the insurer has stopped answering, a complaint to the Georgia Office of Commissioner of Insurance and Safety Fire is one of the tools we can use.
We send our own adjusters and engineers to document the real scope of damage, often the moment things change.
We send the carrier a documented demand that lays out exactly what the loss is worth and where the claim handling fell short. Many cases resolve here — once a carrier sees the full exposure laid out, the offer changes.
If the insurer will not pay what the policy owes, suit is filed within the policy's deadline, with Georgia-licensed counsel.
Common questions
Damage that makes a big part of your home unusable, or a claim with several coverage parts in play: the structure, your belongings and living costs. House fires, burst pipes, trees through the roof, vehicles into the home and total losses are the usual examples. If you're not sure, send it to us.
Often, yes. A first payment can be based on an early estimate. We compare it with the policy and the actual damage and go after what's missing.
Not necessarily. Many homeowners sign an authorization so cleanup can start. Tell us what you signed and we'll review it with your claim.
Damage to the home from a vehicle is usually a covered cause of loss, and the driver's insurer may also owe. Every policy is different, so we read yours. We handle the property claim for your home, not the car or auto accident claim.
We work on a contingency fee: no fee unless we win. That phrase refers only to fees charged by the attorney. Contingent fees are not permitted in all types of cases. Court costs and other expenses of legal action usually must be paid by the client. We walk you through how the fee and the case costs work before you sign anything.
It helps us route your claim to the right attorney quickly. A best guess is fine, and "Not sure yet" is always an option.
Ready to talk?
Call (844) 776-7364 or send the form for a free review of your Georgia claim.