Homeowners policies are dense documents, and insurers routinely lean on exclusions and depreciation calculations to minimize payouts after a covered loss. We review your policy language against the actual damage and, where needed, work with public adjusters and contractors to document the full cost of repair or replacement.
Lead attorney on every case we take, backed by a dedicated legal team you work with directly.
Whether your claim involves fire damage, a burst pipe, storm damage to a Philadelphia rowhome roof, or a theft loss, we build a claim file that reflects the actual cost of making you whole, not the carrier's first, often lowball, offer. Where the carrier's conduct in handling your claim itself crosses into bad faith, we pursue that separately as well.
Many homeowners policies pay claims on an actual cash value basis initially, factoring in depreciation for the item's age, with the remaining recoverable depreciation released only after repairs are completed and documented, unless your policy provides for replacement cost coverage from the outset. That distinction alone can leave a homeowner significantly short of what's needed to actually rebuild or replace what was lost if it isn't tracked and pursued through to the final payment. We make sure our clients understand which basis their policy uses and pursue every dollar of recoverable depreciation they're entitled to.
Homeowners Insurance Claims for Rowhomes and Construction Damage
