Honest comparison

The Storm Claim File compared with hiring an attorney

An attorney is the correct professional when the dispute is about coverage rather than amount, when the carrier's conduct may amount to bad faith, or when your suit limitation period is close or passed. The Storm Claim File is educational material for ordinary claims that are covered but underpaid. These are not competing products, and on the claims where an attorney is needed, this one tells you so.

	Hiring an attorney	The Storm Claim File
Cost	Often contingency, commonly a third or more	$249 once
Right for a flat denial on causation	Yes	No
Right for a suspected bad faith claim	Yes	No
Right for a passed or near deadline	Yes, urgently	No
Right for a covered claim scoped too low	Often heavy-handed	Yes
Can advise on your state's law	Yes	No, and we say so
Can file suit	Yes	No

Our verdict, including when the answer is not us

If your claim was denied outright on the basis that the damage was not storm-related, or if your suit limitation deadline is within a few months, close this page and get a consultation with a policyholder-side attorney in your state. That is the correct next step and no document replaces it. Module 08 of the File covers the thresholds in detail, and the free deadline calculator will tell you where you stand in about a minute.