Practice Areas
At Wolfe Law Group, We Offer Nationwide Representation on Catastrophe
and All Other Property Damage Claims.
What We Offer
Hurricanes / Tropical Storms:
If your home or business was damaged by the winds and rain of a Hurricane or Tropical Storm, most people do not realize the second disaster can be dealing with your insurance company. You may face an inexperienced adjuster, a supervisor that denies part of your claim, and for certain, unnecessary delays in getting your insurance proceeds. At WOLFE LAW GROUP, we will do everything in our power to help you get to the front of the line at your insurance company and get your claim settled, in full and as fast as possible.
Tornados:
The devastating effects of tornado damage are usually coupled with the heartbreaking reality of how quickly, your life can literally, be turned upside down. There is usually very little warning and no time to prepare for this disaster. At WOLFE LAW GROUP, we are committed to helping you get your life back together quickly, during this very stressful and emotional time.
Hail Damage:
Hail damage to your windows and siding are usually visible right after the storm. However, hail damage to your roof may not present itself for quite some time. Most people do not go on their roofs after a storm, and the first sign of damage is when the roof starts leaking during the next
rainy season.
Your insurance company will probably tell you that you have no damage and if you do, it is due to “wear and tear”. Do not settle for this nonsense. If you do have hail damage from a particular storm, we at WOLFE LAW GROUP, along with our team of experts, will prove what was indeed damaged and what the insurance company needs to replace.
Fire and Smoke Damage:
Whether your home or business was damaged by a kitchen fire or a nearby wildfire, you will need to prove your damages. Fire is the first cause of damage. Smoke and soot are the second. Then, the fire department douses your property with water and tramples through your property. How do you prove all of your damages? How do you get compensated for all of your contents that cannot be properly cleaned? How do you get money upfront to move out and into a safe and clean location? At WOLFE LAW GROUP, we will answer all of your questions and assist you in getting you fully compensated by your insurance company as quickly as possible.
Water damage / Pipe breaks:
When water enters your home or business from a roof leak or pipe break, it can cause major damage very quickly. After you call someone to clean up the mess, you need to check your insurance policy. There are many exclusions regarding water damage and you might not be able to collect.
Your insurance adjuster will point to an exclusion and tell you there is no coverage for your damages. Do not take his or her word for this. Call us at WOLFE LAW GROUP so we can review your policy along with the facts surrounding your damage. We will let you know if you are covered, and then we will assist you in getting your claim paid as quickly
as possible.
Flooding:
If your home or business experiences flood damage from rising water, your only source of compensation would be if you purchased a Flood Insurance Policy, separate from your homeowners or regular business insurance policy. These policies are governed by the Federal Government and have strict guidelines and deadlines that must be followed or you may receive nothing on your claim. At WOLFE LAW GROUP, we will guide you through the process and help you expedite your flood claim.
Burglary / Theft / Vandalism:
When your property or possessions are stolen or destroyed by someone else, you need to prove what needs to be replaced. Very often, people underestimate the value of their claim by not accounting for items that they simply forgot they had.
At WOLFE LAW GROUP, we will assist you in documenting everything for your claim, and if the insurance company casts you in a suspicious light surrounding the item’s disappearance, we will be by your side every step of the way to prove your claim.
For more information on your particular claim, please contact us for a free consultation.
TAKE CONTROL OF YOUR INSURANCE CLAIM
Please contact Wolfe Law Group for a free initial consultation. Experienced representation is just a phone
call away.
What To Expect With Wolfe Law Group
By Retaining WOLFE LAW GROUP to Represent You on Your Property Damage Insurance Claim,
You Should Expect, and We Will Provide, the Following Services:
By Retaining WOLFE LAW GROUP to Represent You on Your Property Damage Insurance Claim,
You Should Expect, and We Will Provide, the Following Services:
We communicate with your insurance company:
One of the most frustrating parts of any insurance claim is tracking down and getting the insurance company adjuster on the phone or having them return your phone call or email. Now that you are represented by WOLFE LAW GROUP, we are the ones that communicate with the insurance company adjuster.
For over 30 years, we have been getting nearly immediate responses from insurance adjusters and their supervisors. We demand a complete copy of all communications that transpired before our involvement, and we document their prior lack of response to you. This may establish an unreasonable delay pattern that you might wish to pursue after your claim is resolved. (Possible double damages).
We fully evaluate your claim:
If you are represented by a Public Adjuster, we will work hand in hand with them to uncover all of the damages that you are entitled to claim for your loss. At WOLFE LAW GROUP, we have personally inspected so many claims that we can usually find damage that even the most well-trained eye can miss.
If you do not have a public adjuster, we will recommend one who is experienced in your type of claim and who has proven to us that they are capable, available, ready, and willing to work with us without delay on your claim. The fee for their services is contingent and is usually 10% of the amount collected on the claim. Their contract and fee is separate from the agreement that you signed with our
law firm.
We present your claim to the insurance company:
By the time we get involved, you and your public adjuster or contractor has already submitted some estimates for the repair of your property to your insurance company. Shortly after WOLFE LAW GROUP is retained, we evaluate and if necessary, work with your Public Adjuster or contractor to edit the estimates to reflect all of the damage that we intend to claim.
Once the estimates are finalized, we submit them to the insurance company. Normally once we get involved, the file is transferred to the insurance company adjuster’s supervisor or even the insurance company attorney for a response. By having your claim brought to this higher level at the insurance company, we start dealing with the decision makers and no more time is wasted dealing with the low-level adjuster who does not have the authority to settle your claim.
We are by your side during the investigation:
Once you file a claim, it is very common for the insurance company to request that you give a recorded statement or examination under oath. A recorded statement is usually informal and sometimes done over the phone. Do not be fooled by this informal interaction. The questions asked by the insurance company adjuster may seem simple but could be worded in a way that causes you to give an answer that could jeopardize your claim.
Under no circumstances should you give a recorded statement without Mr. Wolfe by your side. An examination under oath is usually taken by an attorney for the insurance company and is more formal. There is a court reporter there to take down everything you say. With Mr. Wolfe’s counsel, you will be properly prepared for this testimony and Mr. Wolfe will make sure that the insurance company attorney asks only relevant and appropriate questions related to your claim.
Expect back up from the best experts:
If your claim involves damage to your roof, windows, siding, or other big-ticket items, the insurance company will send an engineer to your property to inspect the damage and write a report. This is usually the extent of their “experts”. Since in 99% of the cases we have seen over the years, the insurance company engineer’s report says that your property was not damaged by the event that you are claiming (i.e. hailstorm, fire, water damage, etc.), it will be necessary for you to hire your own engineer to rebut the report from the insurance company’s engineer.
WOLFE LAW GROUP only works with engineers that are ethical and extremely experienced in your type of damage. In addition to presenting a detailed and scientifically sound report of their findings, your engineer will point out in his report all of the false and misleading information contained in the insurance company engineer’s report.
In addition to qualified engineers, WOLFE LAW GROUP will recommend architects, construction consultants, environmental hygienists, and a host of other experts depending on the type of damage you sustained. The cost for these experts is the responsibility of the client and they are noncontingent.
Appraisal:
In the event that you and your insurance company cannot agree on a settlement figure, one of the options that you have is to submit your claim through the appraisal process. This procedure, which is outlined in your insurance policy, states that you and your insurance company hire independent appraisers to evaluate the damage. If these two appraisers cannot agree on the value of your loss, they submit their differences to an Umpire who will make
the call.
At WOLFE LAW GROUP, we have found the appraisal process to be extremely helpful in getting claims settled for the right amount. One of Mr. Wolfe’s most important jobs in representing you, is to make sure that the Umpire agreed to is fair, unbiased, and not tied to nor influenced by any insurance company, in any way.
The appraisers that Mr. Wolfe will recommend will be among the best in the insurance industry and will have a long proven track record of success. The cost for the appraiser will be an hourly charge and will be your responsibility. The cost for the Umpire is split equally between you and the insurance company.
Litigation:
At WOLFE LAW GROUP, we recognize that tying up your claim in the court system for several years does not help get your damaged property repaired. We do everything in our power to get every claim settled for an amount that, after fees, leaves enough money for the client to repair all of the damage. However, sometimes it is necessary to file suit against the client’s insurance company as they, on rare occasions, flat out deny or will not properly pay the claim. If this is necessary, WOLFE LAW GROUP will keep you informed of every development and will require your participation from time to time. You, not the attorneys, have the final say on any settlement and no discussions of resolution will take place without your approval and consent.
This outline should not be considered legal advice and is provided as a general outline of what to expect by hiring WOLFE LAW GROUP.