Make your insurance company keep its promise.

You paid your premiums for years. Then the storm hit, the fire spread, or the pipe burst — and suddenly the company that promised to “be there” is lowballing, stalling, or denying. Our roots are in property claims. We know the carrier playbook because we've spent years beating it.

Free case review Call 1-844-JAR-WINS

What you can recover

The full, documented cost to repair or rebuild your home or business
Additional living expenses and loss of use while you're displaced
Business interruption and lost income for commercial policyholders
Interest, penalties, and attorney's fees where state bad-faith law allows
Extra-contractual (bad faith) damages when the carrier's conduct crosses the line

How JAR fights it

Most injury firms treat property claims as an afterthought. We treat them as a core practice — because Justice and Recovery grew out of a national storm-restoration platform that fought carriers on thousands of roofs, buildings, and commercial losses before we ever filed our first lawsuit. We read your policy the way adjusters do, we scope damage the way contractors do, and we build the claim file the way trial lawyers do.

That means independent inspections and estimates the carrier can't wave away, appraisal and examination-under-oath strategy handled by people who have sat through hundreds of them, and — when the carrier still won't pay — a bad-faith lawsuit built from day one, not bolted on at the end.

Questions we hear

Straight answers

My claim was denied. Is it over?

No. A denial letter is the carrier's opening position, not a court ruling. Many denials rely on exclusions that don't actually apply, inspections that missed damage, or deadlines the carrier itself caused you to miss. We review denials for free.

What is insurance bad faith?

Every policy carries an implied promise that the carrier will handle your claim fairly and promptly. When an insurer denies without a reasonable basis, drags out the investigation, or lowballs a loss it knows is bigger, many states allow you to recover more than the policy itself — including penalties and fees.

The carrier's estimate seems low. Should I just take it?

Not before someone on your side scopes the loss. First offers are routinely a fraction of true replacement cost. Accepting can close the claim. Let us get an independent estimate first — it costs you nothing.

Tell us what happened.

A case review is free, confidential, and carries no obligation. If we take your case, you pay nothing unless we recover for you.

Start your free case review 1-844-JAR-WINS