Determined Chicago commercial property damage attorneys

We resolve property claim disputes

Horwitz, Horwitz & Associates is proud to represent public adjusters, property owners, and property restoration companies of all sizes and specialties in Illinois. From cybersecurity to fire damage, our attorneys provide litigation services including breach of contract, insurance bad faith, and more.

If your property was damaged or destroyed due to someone else’s actions, our team at Horwitz, Horwitz & Associates can help you. Our goal is to secure a fair settlement covering the extent of your losses, not a fraction and nothing less than what you deserve.

We work on contingency, meaning you only pay if we win your case. Contact us online or call Horwitz, Horwitz & Associates at (800) 985-1819.

Who we work with

  • Property owners
    • As a policyholder, you pay premiums with the expectation that you’ll be covered when something happens. But when insurance decides to deny your claim, you need to hire an advocate who will actually stand up for you. Property damage attorneys from Horwitz, Horwitz & Associates will give you greater confidence in your next steps, and we’re fully prepared to take your case to trial. 
  • Other property policyholders
    • Our firm is poised to represent not only property owners but renters and tenants who may also hold a policy with the damaged property. 
  • Public adjusters
    • Public adjusters are experts in handling the initial stages of a claim, while attorneys are better suited to take over when insurance disputes arise. If insurance is denying the policyholder’s claim and you believe the claim should be covered, it’s important to hire an attorney and take legal action against the insurance company.

Our skilled property damage attorneys resolve all kinds of disputes with insurance companies

Misinterpretation of policy coverage

In an effort to avoid paying valid claims, insurance will often argue that the policyholder made material misrepresentations either before or after the policy was issued. For instance, after submitting a claim for property damage due to a fire, insurance could say that you exaggerated the damage that actually occurred.

Failing to investigate

Whenever a policyholder files a claim, their insurance company is obligated to conduct an adequate investigation within a reasonable amount of time. If the insurance company fails to properly investigate, or if they conduct an overly intrusive investigation, they could be held liable for acting in bad faith.

Ignoring evidence of losses/property damage

Insurance companies are required to accept valid documentation of losses, and if they don’t, they could be held liable for acting in bad faith.

Refusing to pay a covered claim under your policy

If you experience property damage but insurance refuses to pay out the valid claim, they have breached their obligation to act in good faith and can be held liable.

Failing to explain why a claim was denied

Insurance companies are required to provide policyholders with a valid explanation of why the claim was denied. If none is provided, or if they denied your claim for an invalid reason, they may be acting in bad faith.

Refusing reasonable requests for documentation 

Whenever your claim is denied, you have the right to request access to supporting documents that helped insurance make the decision. If they refuse to provide you with policy documents, you may be able to hold them liable for acting in bad faith.

Undervaluing (low-balling)

Most insurance companies “offer” policyholders far less than what their claim is worth, your insurance policy should cover the maximum amount under your policy.  but an intentional “lowball” offer could be an example of insurance acting in bad faith.

“Bad faith” means that an insurance carrier has knowingly authorized or engaged in dishonest dealings in an attempt to maximize profit and avoid paying the policyholder.

To prove bad faith, a policyholder must show that 1) their insurer disputed the amount or refused to pay for a valid claim, and 2) the insurance company’s actions were unreasonable. 

We work on a contingency fee basis

Not all property damage attorneys work on a contingency fee basis. Our Chicago attorneys at Horwitz, Horwitz & Associates are confident in our ability and only charge for legal services if we win your case.

Because we only get paid if you win, you can trust that we’ll do everything in our power to obtain a favorable outcome.

Why hire Horwitz, Horwitz & Associates?

You’ll receive full support

When you hire us, rest assured you’ll receive the highest level of legal representation in the state. But our attorneys don’t just provide legal representation; we provide unwavering support for you and your company throughout the legal process.

If your insurance company has denied your property damage claim, contact our experienced property damage attorneys. We’ll hold them accountable and recover the compensation to which you’re entitled. Call Horwitz, Horwitz & Associates at (800) 985-1819 or contact us online today.