I have watched many policyholders who file a claim get denied or receive lowball offers that don’t cover their losses.

You may be like most people: you don’t look forward to reading your insurance policy. Most insurance policies are filled with fine print, loopholes, and legalese.

So if your insurer is dragging their feet or trying to short-change you, it’s time to have someone in your corner who knows the fine print and the law.

Typical Insurance Disputes

1. Claim Denials

   • You suffer storm damage or a burglar breaks in. You file a claim in good faith, but the insurer says it’s “not covered” or “excluded.”

2. Underpayment of Claims

   • Your adjuster inspects the damage and offers a settlement far below repair costs. It feels like you’re being nickel-and-dimed.

3. Bad Faith Handling

   • Delayed responses, missing paperwork, or arbitrary requests can all be signs your insurer isn’t playing fair. Maryland law requires insurers to handle claims reasonably and promptly.

How I Help You Win Your Claim

“Insurance companies count on policyholders giving up—I’m here to make sure that doesn’t happen.”

1. Policy Review

   • I read your entire policy: declarations, coverage sections, endorsements, and exclusions. Knowing exactly what you bought is the first step to enforcing it.

2. Gathering Evidence

   • Photographs of damage, repair estimates, police reports, medical records—every document strengthens your claim and challenges lowball offers.

3. Demand Letters

   • A clear, formal letter outlining the policy obligations and supported by evidence often prompts insurers to reconsider denials or raise their settlement offers.

4. Alternative Dispute Resolution

   • Many policies require appraisal or mediation before you can sue. I guide you through those processes, ensuring your rights are preserved and pushing for fair results.

5. Litigation for Bad Faith

   • If the insurance company still refuses to pay, I will file suit for breach of contract and, if they were acting unreasonably, bad faith. Under Maryland law, you can recover your full policy benefits plus interest, attorneys’ fees, and possibly additional damages.

Protecting Your Recovery

Insurance is meant to protect you when the unexpected happens. But when an insurer rejects or underpays a legitimate claim, you need an attorney to fight for you.

Facing a fight with your insurer in Upper Marlboro?

Call me, Matthew J. Dyer, Esq., at 301-627-5844. Let’s make sure your coverage works when you need it most.