property insurance attorney for public adjusters
Your Clients Deserve Full Recovery. We Make It Happen.
When the insurance company denies, delays, or underpays your client’s property damage claim, Liss + Earls steps in. We’ve spent 30+ years representing policyholders—alongside their public adjusters—in fire, water, storm, explosion, and business interruption disputes. We handle the legal fight so you can focus on the adjustment.
When a Property Insurance Claim Needs a Litigation Attorney: How We Partner with Public Adjusters
Insurance carrier denial rates are at historic highs. Industry data shows that nearly two out of every three homeowners insurance claims face some form of pushback — whether it is an outright denial, a significant underpayment, or a demand for an examination under oath designed to intimidate the policyholder into accepting less.
As a public adjuster, you see this every day. You document the loss, prepare the estimate, submit the claim — and the carrier comes back with a denial letter, a lowball offer, or an EUO notice. That is when your client needs a litigation attorney, and that is where we come in.
We handle the claims public adjusters refer most often:
Fire and smoke damage claims — Carriers dispute origin and cause, challenge the scope of smoke and soot damage, or deny claims based on arson allegations. We have decades of experience litigating fire claims and NFPA 921-based investigations.
Water damage and burst pipe claims — Insurers invoke “gradual seepage,” “maintenance,” or “surface water” exclusions to deny valid water losses. We challenge these denials using engineering experts and Michigan and Ohio case law that favors policyholders.
Storm and hail damage claims — Carriers blame storm damage on wear and tear, send their own inspectors who minimize findings, and refuse to pay for hidden structural damage. We bring independent engineers and force full payment.
Business interruption and commercial losses — Large commercial claims with six- and seven-figure exposure, including lost income calculations, extra expense claims, roof collapse losses, equipment fire shutdowns, and contingent business interruption disputes.
Examination Under Oath (EUO) defense — When the insurer sends an EUO notice, your client needs experienced counsel immediately. We prepare and defend policyholders through EUOs, protecting their claim from being undermined by aggressive carrier attorneys.
Bad faith and penalty interest claims — When the carrier has unreasonably delayed or denied a valid claim, we pursue Michigan’s 12% penalty interest under MCL 500.2006 and bad faith remedies that put real financial pressure on the insurer to pay.
We work alongside public adjusters — not in place of them. You continue managing the adjustment while we handle the litigation. We do not step on your fees and we communicate transparently throughout the process. Many of the most experienced public adjusters in Michigan, Ohio, and across the country refer their toughest claims to Liss + Earls because they know we have the courtroom experience and insurance law expertise to get the result their clients deserve.
If you are a public adjuster with a denied, delayed, or underpaid property insurance claim in Michigan, Ohio, or anywhere in the country, contact us to discuss a referral.
How We Work With Public Adjusters
- We work with public adjusters to help move the claim. We handle the legal proceedings while your public adjusters continue managing the loss documentation and adjustment.
- We move fast. When a carrier issues a denial or a lowball offer, timing matters.
- We keep you informed. We work with the public adjuster team throughout the case
When to Refer a Case to an Our Attorneys
Denied Claims
The carrier says no—coverage excluded, cause of loss disputed, or policy interpretation issues. When the denial letter arrives, call us. We review the policy language and denial basis and litigate when the claim has stalled.
Underpaid Claims
The carrier acknowledges the loss but pays a fraction of what’s owed. If the gap between the carrier’s offer and your adjustment is significant, litigation recovers the difference.
Delayed Claims
Months of silence, repeated document requests, and unreturned calls. Bad faith delay tactics are a litigation trigger and can be addressed under penalty interest statutes.
Examination Under Oath (EUO) Requests
When the carrier demands an EUO, your client needs legal counsel immediately. We prepare and defend EUOs.
Appraisal Disputes
If the carrier invokes appraisal or if appraisal fails to produce a fair result, we litigate the coverage dispute behind it.
Property Insurance Claims We Handle
We represent policyholders — and their public adjusters — across every major type of property insurance dispute.
In fire and explosion cases, we handle origin and cause disputes, subrogation defense, arson allegations, and every aspect of a legal case.
For water damage claims, we take on pipe bursts, flooding, remediation disputes, and “sudden vs. gradual” coverage fights.
Our storm and wind practice covers roof damage, hail, tornado, and hurricane losses—including scope disputes and ACV vs. RCV fights.
We also handle business interruption claims involving lost income, extra expense, and period of restoration disputes.
And for explosions and gas leaks, we pursue gas explosion investigations and product liability crossover claims.
If it’s a first-party property insurance dispute, we handle it.
Why Public Adjusters Choose Liss + Earls
- 30+ years — property insurance only. Every case we take is a first-party property insurance claim. That specialization means we know policy language, carrier tactics, and claims handling standards better than generalists.
- $500M+ recovered for policyholders. Track record matters when you’re putting your reputation on the line with a referral.
- NFPA 921 & 1033 trained. Fire investigation credentials
- Licensed in Michigan, Ohio and Selection Cases Nationwide. Public adjusters also regularly bring us in to help on large commercial losses nationwide.
- We know PAs. We understand your role, your fees, and how to structure the engagement so everyone wins.
- NAPIA Professional Member. We’re part of the same professional community you are.
Serving Public Adjusters Across Michigan, Ohio and Select Large Commercial Property Loss Nationwide
Michigan: Detroit, Southfield, Troy, Farmington Hills, Ann Arbor, Lansing, Grand Rapids, Kalamazoo, Flint, Saginaw, Traverse City, and all of Southeast Michigan.
Ohio: Toledo, Cleveland, Columbus, Akron, Canton, Dayton, Cincinnati, and statewide.
Nationwide: We are regularly retained by clients in large commercial cases throughout the United States.
You've Done the Work. Let's Get Them Paid.
You’ve documented every inch of damage. You’ve written the estimate. You’ve gone back and forth with the adjuster. And the carrier is still saying no—or worse, going silent. Our firm has recovered over $500 million for policyholders just like yours.