Your home was damaged. You filed a claim. And your insurance company denied it, lowballed it, or has been stalling for months. We have been here before — and we know how to win.
Mag Mile Law has recovered $2,394,290 on a fire claim the carrier tried to underpay, $441,802 on a building collapse they disputed, and $220,000 on a loss of income claim they denied outright. We represent homeowners and business owners across Chicago and Illinois whose property damage claims are not being paid. We work on contingency — you pay nothing unless we recover.
Call 773-644-9593 for a free case evaluation.
Fire claims are among the most valuable — and most aggressively disputed. Carriers challenge the fire’s origin, dispute the scope of smoke damage to HVAC systems and contents, and undervalue structural repairs. We recovered $2,394,290 on a fire claim where the carrier initially disputed the extent of the loss. We work with independent fire investigators and forensic accountants to document what the insurer wants to ignore.
A single Illinois hailstorm can destroy a roof, gut siding, and shatter windows. Carriers respond by attributing the damage to “wear and tear” or “cosmetic” issues, undercounting damaged shingles, and applying steep depreciation. We represented Kathleen G. and the Lake Katherine View Estates HOA — recovering full compensation plus attorney’s fees after the insurer denied and lowballed hail damage claims across the community.
Chicago winters are brutal, and burst pipes can flood a home in hours. Carriers deny these claims by arguing the homeowner failed to maintain adequate heat — even when you took reasonable precautions. They also invoke exclusions for “gradual” damage or reclassify covered pipe bursts as excluded “flood” damage. We know the policy language they rely on and how to dismantle it.
Collapse claims involve structural engineering disputes, cause-of-collapse investigations, and carriers trying to blame excluded conditions like “foundation settlement.” We recovered $441,802 for a policyholder whose building collapse claim the carrier fought at every stage.
Carriers dispute stolen property values, question the reported circumstances, and invoke sublimits that cap recovery. Our $500,000 false pretense recovery started as a flat denial. We document the full extent of the loss and challenge unreasonable coverage limitations.
Standard policies cap jewelry coverage at $1,500 to $5,000. Even with a scheduled floater, carriers dispute appraised values and challenge the loss. If your high-value property claim was denied or undervalued, we can help.
We read policies like insurers do — because we are licensed producers too. Steven Mikuzis and Mario Iveljic hold insurance producer licenses through Power Risk Management. They know how carriers structure coverage, where they bury exclusions, and which endorsements provide additional recovery. We ofte find coverage our clients did not know they had.
We use independent experts, not theirs. Independent adjusters, structural engineers, restoration contractors, and forensic accountants — not the carrier’s preferred vendors who are trained to minimize estimates.
Contingency fee. You pay nothing upfront. We collect only when we recover money for you. And if your insurer acted in bad faith, they may be ordered to pay your legal fees under 215 ILCS 5/155.
Ready to fight for your recovery? Call 773-644-9593.
Prior results do not guarantee a similar outcome. Each case depends on its own facts and circumstances.
Do not accept it as final. Review the denial letter, document everything with photos and receipts, and contact an insurance coverage attorney. We offer free case evaluations where we review your policy and denial to determine your options. Many denials do not hold up under legal scrutiny.
It depends on your coverage limits, extent of damage, deductibles, and additional coverages like loss of use or additional living expenses. Insurers routinely undervalue claims using aggressive depreciation and low-end repair estimates. An independent assessment — which we arrange — gives you the real number.
Simple claims can resolve in weeks. Disputed or denied claims that go to litigation may take several months to a year. Under Illinois law, unreasonable delays by the carrier may constitute bad faith — which triggers additional penalties.
Yes. Most policies provide separate coverage for the structure and for personal property or business contents inside. You may also have coverage for additional living expenses if the property is uninhabitable. We review your entire policy to identify every available coverage.
Bring your policy and your denial letter. Free consultation. No fee unless we recover.
Free consultation. No fee unless we recover. Call 773-644-9593 or submit the form.
