There are a few things to consider when choosing a homeowners insurance lawyer. For example, you will want to know how long they have been practicing and check their credentials on your state’s bar association website or attorney directory.

You may need to hire an attorney if your insurer denies your claim or doesn’t pay you what you believe is fair.


Homeowners insurance protects your property from many scenarios, including fires, tornadoes, floods, and burst pipes. It also covers your belongings in case they are lost or stolen. It can pay for temporary housing if necessary. It may even cover medical bills for people hurt on your property.

Insurance companies view their priority as increasing profits for shareholders. That means they will often try to minimize payouts on legitimate claims. You might need a homeowner's insurance lawyer to get your deserved compensation.

A homeowners insurance attorney works on a contingency basis, meaning they are only paid when they settle or win the case. This can be a good option if you have a strong claim but need help fighting it. It would help if you also considered hiring a public adjuster who can negotiate with the insurer on your behalf. But they usually take a cut of the settlement. That could be up to forty-five percent of your total payout.


The right homeowners insurance lawyer can help you get the respect and compensation you deserve for your property damage. But how do you know when it makes sense to seek legal help?

Often, when an insurer denies a valid claim or offers less than you believe you are entitled to for your damages, the insurance company is simply trying to save money. This is a common practice, as insurers try to minimize the amount they pay in claims to keep their profits high.

But it would help if you didn’t have to settle for the lowball offer. An experienced home insurance attorney can fight the insurer and help you receive the total settlement amount available under your policy. When searching for a home insurance attorney, consider how long they have been practicing law, what percentage of their cases are real estate or insurance-related, and whether they have any disciplinary actions or ethical complaints against them.


If your insurer refuses to settle a claim or offers you a low amount, it may be time to hire an attorney. An attorney can review your policy and file a lawsuit against the insurance company if needed. However, ensure the attorney you choose specializes in homeowner’s insurance law. The American Bar Association recommends checking an attorney’s credentials and experience.

You should also consider hiring an attorney if the insurance company takes too long to process your claim or denies it. Some states require insurance companies to resolve claims within a specific time frame. If the insurance company doesn’t meet this deadline, it could violate state laws. An attorney can determine if the insurance company has good reasons for the delay or is breaking the law. They can help you gather the documentation you need to make a strong argument for a fair settlement. They will also be able to handle the negotiations with the insurance company on your behalf.


Homeowners insurance, or property and liability coverage, protects consumers' homes and personal belongings against various perils. Mortgage lenders often require it and can help to pay for a consumer's most significant financial asset in the event of a total loss.

It is essential to hire an attorney who specializes in home insurance and is experienced in dealing with homeowners' insurance companies during the claim process. These attorneys are referred to as insurance coverage lawyers or insurance law attorneys.

You should hire an attorney if there is a large amount of money at stake, unnecessary delays seem to be dragging out the claims process, or you're stuck in a stalemate with your insurance company and need to break the deadlock through litigation. Most attorneys work on a contingency fee basis, so the homeowner incurs no out-of-pocket expenses to retain their services. This holds true even for more minor claims.