Homeowners dealing with fire damage claims can face denied or reduced compensation after common mistakes involving documentation, repairs, and insurer communication.
Jun 10, 2026
By Smith Prestwood
Your Insurance Company’s Worst Nightmare.
At Prestwood Law, we help policyholders challenge denied or undervalued insurance claims and ensure they receive the benefits they are owed. Our practice areas include the following:
Fire & Smoke Damage
High-value “total loss” or significant structural damage cases
Hurricane damage
Support for the Gulf Coast (Alabama, Mississippi, and Florida) for wind, hail, and flood claims
Tornado Damage
Tornado damage insurance claims often involve disputes over wind-versus-water causation, roof replacement, withheld depreciation, and undervalued property losses.
Water Damage
Burst pipes and sudden leaks, including “seepage” exclusions
Wind & Hail Damage
Wind and hail damage insurance claims often involve disputes over roof repair versus replacement, “cosmetic” damage, separate wind and hail deductibles, and undervalued property losses.
Theft & Vandalism
Theft and vandalism insurance claims often involve disputes over proof of loss, coverage sublimits, vacancy exclusions, and undervalued property losses.
Commercial Property
Large-loss claims for business owners, condo associations, apartment complexes, and churches
Insurance Bad Faith
Litigation targeting companies that have unreasonably delayed, denied, or underpaid valid claims
Insurance Dispute Claims
- Property Insurance Disputes
- Renters Insurance Disputes
- Long-Term Care Insurance Disputes
Prestwood Law Recovers
We represent property owners across Alabama, and Mississippi whose insurance claims have been delayed, denied, or underpaid. If the insurance company refuses to make a fair offer, we are prepared to sue them in court. Our focus is simple: recover the full benefits your policy provides and hold the insurer accountable when it falls short.
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Fire Damage
$900k
Verdict
- Our clients’ house was destroyed and they lost all of their personal belongings due to a fire.
- We retained an independent adjuster to prepare an estimate of the fire damage and assisted our clients in preparing an inventory of the damaged contents.
- RESULT: Recovered policy limits for house and personal property.
Mobile, AL • Residence
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Wind Damage
$700k
Settlement
- Our client's home was damaged during a thunderstorm, and the insurance company wrongfully denied the claim when the opposing engineer asserted the damage was due to preexisting conditions.
- We retained a storm damage expert and filed a lawsuit.
- RESULT: Negotiated settlement to cover repairs to the rood and interior of the home.
Mobile, AL • Residence
