Fight For The Residential Property Coverage You Need
Last updated on May 13, 2025
There’s a reason you have home insurance. Home damage can be sudden, unexpected and expensive. So, when your insurer doesn’t step in to help in your time of need, it can feel terrifying and frustrating. You may wonder why they even offer coverage in the first place if they do not cover the damage.
At MGW Law, we believe that home insurers should uphold their obligations to you and be held accountable when they act in bad faith. With our team’s over 50 years of combined experience in the insurance industry, we have a thorough understanding of insurance companies’ interests and motivations, as well as the tactics they use to minimize or deny your claim. We are committed to fighting to get you the coverage and compensation you deserve.
How Insurers Act In Bad Faith Over Residential Property Claims
Some of the tactics they use include:
- Misinterpreting what your policy does and does not cover
- Conducting a biased and insufficient investigation
- Cancelling policies for filing a weather damage claim
- Pressuring you to accept a quick lowball settlement
These are just a few examples. How an insurance company fails to uphold its duty of care can depend on the circumstances. If you think your insurer is acting in bad faith, call our Manitowoc office today at 920-383-3911.
When Residential Property Insurers Try To Deny Claims
Here are a few examples of where an insurance company may try to skirt obligation:
Fire Damage Claim Disputes
Fire damage claims can be fraught with challenges. Insurers may try to do several things to deny you coverage such as:
- Conducting unreasonable arson investigations
- Disputing the severity of smoke damage
- Claiming that your policy does not include fire coverage even when it does
- Stating that you started the fire on purpose; therefore, it isn’t covered
Experiencing these tactics can feel hurtful, especially coming from an organization you’re relying on to save you. You shouldn’t have to go through all this to get coverage for which you pay a premium.
Water Damage And Flooding Issues
When filing an insurance claim, water damage can leave you in a gray area. Coverage disputes based on the water source and the distinction between sudden and gradual damage can complicate things. And when things get complicated, insurers may use that to their advantage. We can address basement water exclusion problems, sewer backup coverage limitations and mold damage exclusion disputes. That way, your insurer can’t sow doubt or confusion around what damages your policy does and does not cover.
Weather-Related Damage
As Wisconsinites, we are no strangers to chaotic weather events. Whether your property suffers damage during a hailstorm, flooding, tornado, blizzard or wildfire, you deserve an insurer to cover the harm done to your home. Our familiarity with the weather events that define Wisconsin allows us to handle wind versus water damage disputes, roof damage coverage limitations and ice dam claim issues. We are here to provide clarity when you’re facing these difficult circumstances.
Hidden And Supplemental Damage
Hidden and supplemental property damage can be particularly hazardous. Even if the damage is unnoticeable, it can become much bigger and worse if left unaddressed. Insurance companies often deny supplemental claims because of a lack of evidence. If you encounter an issue like these, we are skilled at addressing supplemental damage claims, delays, depreciation holdback disputes and code upgrade coverage denials. Additionally, we will advocate aggressively if you face matching issues with roofing, siding or flooring.
Personal Property Valuation Disputes
Disagreements with your insurer over the value of your property versus how much it costs to fix the damage can be frustrating. We can help you with depreciation calculation issues, high-value item documentation requirements and proof of ownership disputes.
Get The Property Coverage You Deserve – Call Today
You deserve appropriate and adequate coverage after your home or property suffers significant damage. If your insurance company leaves you worried and uncertain about how you will get that coverage, we are here to help. Schedule an initial consultation with us today by calling 920-383-3911 or visiting our contact page.