We only represent policyholders, never the insurance company.

Let’s talk.

Call: 855-702-9061
Text: 817-203-0260

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We provide aggressive legal representation for commercial property insurance claim disputes.

You wisely invested in commercial property insurance to protect your hard earned business property from possible disasters; you have every right to receive fair compensation. If your commercial property was destroyed or damaged by a storm or other catastrophe, and your claim has been denied, delayed or underpaid, contact McDonald Law Firm as soon as possible to learn more about potential legal options for your situation.

We’ll fight for the maximum compensation owed to you under the terms of your policy.

Our insurance litigation team will review the language of your commercial insurance policy, assess the damage to your business and evaluate the reason for your insurance company’s decision. After a thorough investigation, we will give the insurance company the opportunity to resolve the situation by requesting a fair settlement offer.

Free, no-obligation claim review: 855-702-9061.

Insurance companies are far more likely to work with you to reach a mutually acceptable value for your claim if you are represented by an experienced insurance lawyer. Generally speaking, if we cannot reach a fair resolution through discussions or mediation, we will move forward with trial. If you win, the insurance company could be forced to pay your actual damages within your policy limits.

Call today to schedule a free, no-obligation insurance claim review: 855-702-9061

Commercial Property Damage Insurance Claims Process:

STEP 1: You contact your insurance agent or carrier, who in turn contacts their adjuster.

From this point forward, your agent will have no further say in the way the loss is handled. In many cases, the adjuster will be an independent company that handles multiple claims for your insurance company. It’s important to remember that the adjuster works for your insurance carrier, not for you.

STEP 2: Your insurance company’s adjuster prepares a scope and estimate of your damage.

The insurance company will contact you to schedule a time to inspect your losses. Often, you will be one of hundreds of losses that will be handled by the insurance adjuster. Insurance company adjusters have quotas to meet and they get paid based on volume.

QUICK TIP: Pay attention to specific requests from the adjuster.
Compliance with their instructions, within reason, is likely one of the conditions of your insurance policy. For example, your adjuster may request that you:

  • Provide pictures and photographs of the damaged items prior to the storm
  • Segregate the damaged items from the undamaged ones
  • Accommodate additional inspections of your damage by other evaluators, such as engineers.

STEP 3: You gather independent scopes and estimates for your commercial property damage.

You may receive solicitations from roofers, rehab contractors and public adjusters who want to help you with your claim. Screen each vendor thoroughly before you request independent scopes and estimates from them.

QUICK TIP: Does your independent scope and estimates match those offered by your insurance company?
If not, consider having your policy and claim reviewed by one of the experienced commercial property insurance lawyers at McDonald Law Firm.

STEP 4: Your insurance company responds to your claim by…

  • Offering you a fair and reasonable settlement. Great news (and lucky you!)
  • Requesting an “examination under oath,” or a “proof of loss”
  • Offering to settle your claim for less than you believe is fair
  • Denying your claim outright

STEP 5: Underpaid or denied? Believe you’re being treated unfairly by your insurance company? You have options.

  • Call us for a free, no-obligation claim and policy review. We’ll review the language of your insurance policy, assess the damage to your business and evaluate the reason for your insurance company’s decision. If we find there is a discrepancy in your claim and the insurance company’s response, you can decide whether to hire us to resolve the problem. Best of all, securing our services will not cost you anything out of pocket. We work on contingency, which means there are no legal fees unless we successfully resolve your case through settlement, mediation or a trial.
  • You may decide to request an appraisal. Most commercial property insurance policies have an appraisal provision. In an appraisal, both sides hire appraisers who will meet to try to determine the amount of the loss. If they are unable to agree, an Umpire may be appointed.

QUICK TIP: Don’t go it alone. Call us before you go to appraisal.
We provide aggressive representation on behalf of our clients in order to assert their right to recover up to the policy limits on their commercial property damage claim.

Insurance companies are focused on one thing — their bottom line.

Clearly, insurance companies are in business to make money, and one of the ways they increase their bottom line is by paying out as little as possible for claims. Plus, they start out with the upper hand because they control the “if and when” any money will be sent to the claimant. 

Are you being treated fairly by your insurance carrier?

Even experienced and savvy business owners can be subject to common insurance company tactics for undervaluing claims and may be tempted to accept a low-ball settlement just to get their business back up and running and their employees back to work. Don’t let this happen to you.

Contact us today for a free commercial claim review: 855-702-9061.

Storm Damage Claim Denied, Delayed or Underpaid? Get help now: 855-702-9061

Common Insurance Company Tactics

Insurance companies may employ various insurance bad faith tactics in an effort to pay you less than you are entitled to for storm damages. Tactics may be subtle or quite obvious, and could include:

Undervaluing property damage, either intentionally or by “miscalculation”

Utilizing adjusters who “misinterpret” the claimant’s actual coverage

Delaying the processing of claims and dragging it out as long as possible

Utilizing inaccurate depreciation values

Delaying payments in order to earn more interest from their own monies

Hiring a lawyer may increase the speed and value of your settlement.

Insurance companies are often keenly aware of the fine line between bad faith conduct and simply offering low-ball settlement offers. When a policyholder is represented by an experienced and knowledgeable insurance lawyer, the insurance company is far more likely to offer a fair and reasonable settlement.

We don’t get paid unless you win.

We accept cases on a contingency fee basis; you never our our firm any attorney’s fees or costs related to your case unless we successfully resolve your claim. We offer a free commercial policy claim review, which can be scheduled by completing the form on this page or by calling 855-702-9061.

We know what you’re going through. We’ve experienced commercial property damage.

In 2000, Dan McDonald’s law office was badly damaged by a powerful twister that ripped through downtown Fort Worth. Not only did it uproot his business, but it disrupted lives.

Since that time, we have helped countless other storm victims get back on their feet and back into their homes and businesses. Most recently, we represented victims of destructive Hurricanes Irma, Harvey and Sandy. We take pride in helping our clients stand up to big insurance companies with deep pockets.

Tornado damage, Bank One Tower, March 28, 2000.

Tornado damage – Bank One Tower
March 28, 2000.

Let’s talk.

Call: 855-702-9061
Text: 817-203-0260

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