Property losses in Illinois can involve everything from frozen and burst pipes to wind, hail, water intrusion, fire, roof damage, and significant commercial losses.
Whatever caused the damage, disputes often come down to the same questions: what does the policy cover, what caused the loss, what needs to be repaired, and whether the insurance company paid the proper amount.
From our Chicago office, we handle first-party property insurance disputes throughout Illinois. We review the policy, the insurance company’s inspection and estimate, photographs, contractor findings, expert reports, and other available evidence to determine where the claim stands and what should happen next.
Property Claims We Handle Throughout Illinois
Frozen and burst pipe claims. Winter losses can lead to disputes over whether heat was maintained, whether the property was vacant or occupied, what caused the pipe to fail, and how much of the resulting water damage should be covered.
Wind and hail damage. Roofing, siding, windows, and other exterior components can be damaged by severe weather. We handle disputes over causation, repair versus replacement, and the full scope of storm damage.
Water damage claims. Plumbing failures, roof leaks, appliance losses, and other water events can create disagreements over sudden damage, long-term seepage, mitigation, tear-out, and reconstruction.
Fire and smoke losses. Fire claims can extend well beyond the visibly burned area. We handle disputes involving smoke and soot, contents, building systems, rebuilding costs, and additional living or operating expenses.
Commercial and association claims. We represent businesses, landlords, condominium associations, and other property owners in larger losses involving building damage, repair disputes, business interruption, and other coverage issues.
How We Handle an Illinois Property Insurance Claim
We begin by understanding what happened, what the insurance company has already done, and where the disagreement lies.
That may mean reviewing a denial letter, comparing competing estimates, evaluating an engineering report, documenting damage that was missed during the original inspection, or addressing a claim that has remained unresolved without a clear decision.
Our attorneys work directly with clients and, when appropriate, with contractors, roofers, engineers, estimators, and other professionals needed to develop the evidence.
The goal is to build a clear, well-supported claim and determine the best path toward resolution through negotiation, appraisal where appropriate, mediation, or litigation.