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CLAIM INFORMATION

Learn about the claims process and our results from past clients

Common Claim Problems 

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​Adjusters typically make the following errors when writing estimates:

  • Patching shingles instead of replacing roof

  • Failure to identify hidden damage, particularly with metal roofs and subfloor.

  • Painting over damage instead of replacing dry wall

  • Using cheaper materials instead of like kind and quality

  • Failure to replace continuous flooring

  • Omitting content manipulation and storage

  • Re-glazing windows instead of replacing them

  • Failure to comply with code upgrades 

  • No line items for detaching and resetting fixtures 

  • Failure to include supervision and other general conditions such as cleaning and portable restrooms in compliance with OSHA 

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How We Resolve Claims

  • First, we retain an independent adjuster to prepare an estimate.

  • Then we will present that competing estimate to the insurance company.

  • We negotiate with the adjuster and if the insurance company continues to wrongfully deny coverage, we may file a lawsuit. 

  • Sometimes it is necessary to retain an engineer to act as an expert witness and testify as to causation. 

  • We will either negotiate a settlement for our client, or, sometimes, take the case to trial.

  • We will communicate with the adjusters, engineers, and claim representatives for on your behalf throughout the entire process. 

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Our Claim Results

Homeowners and Condominiums

• Invoked apprisal and recovered double what adjuster estimated for a homeowner in Daphne, AL after their home sustained extensive damage during Hurricane Sally. • Successfully negotiated settlement to cover the cost of repairs to a home in Mobile, AL after a storm event. • Recovered damages over 800% of adjuster's estimate during mediation for a condominium complex in Orange Beach, AL after Hurricane Sally. • Recovered policy limits for both house and personal property for a homeowner in Daphne, AL after Hurricane Sally. • Negotiated settlement to cover cost of roof and window repairs to a home in Lillian, AL. • Recovered policy limits for both house and personal property after a fire destroyed a home in Mobile, AL.

Businesses and Commercial Properties

• Negotiated settlement to cover the cost of roof and interior repairs for a church in Daphne, AL. • Sucessfully overcame an appeal after recieving a favorable jury award at trial which will cover the cost of repairs for a church in Lillian, AL.

Landlords and Rentals

• Recovered full policy limits for dwelling claim as well as full policy limits for lost rental income claim for a rental home in Mobile, AL. •

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Insurance Companies 

We have successfully resolved claims against most insurance companies including: ​

  • Lloyd's of London

  • State Farm 

  • Farmer's Insurance

  • USAA 

  • AIUA 

  • SWYFFT

  • All State

  • GeoVera

  • Orion 

  • Alfa 

This webpage is for informational purposes only and is not intended to provide legal advice. You should always review your insurance policy and consult with an attorney about your particular insurance coverage and claim.

No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. 

CONTACT

CONTACT

PRESTWOOD LAW FIRM LLC

Office: 409 North Section Street, Suite A, Fairhope, Alabama 36532

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Mailing: Post Office Box 1556, Fairhope, Alabama 36533

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Email: smith@prestwoodfirm.com


Phone: 251-348-4165

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Call, email, or fill out the following form:

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