You paid for coverage.
We put them on notice.
When your insurance company denies a legitimate claim, delays payment, or offers a settlement that doesn't come close to what you're owed — you have legal options. We fight for what you are owed.
Submit Your ClaimWhen Insurance Companies Refuse to Pay
Insurance companies collect premiums in exchange for a promise: when something goes wrong, they pay. But the incentive structure of the insurance industry means that every dollar paid on a claim is a dollar off the company's bottom line. The result is a system that routinely denies legitimate claims, delays payments, lowballs settlements, and buries policyholders in paperwork designed to make them give up.
An insurance bad faith claim arises when an insurer unreasonably denies, delays, or underpays a valid claim — violating the duty of good faith and fair dealing owed to every policyholder. Bad faith conduct can include: failing to investigate a claim, denying a claim without a reasonable basis, offering a settlement far below the claim's value, imposing unreasonable documentation requirements, or failing to communicate with the policyholder.
You do not need to accept a denial. You do not need to accept a lowball offer. A formal demand letter from an attorney — documenting the insurer's conduct and citing the applicable law — changes the dynamic. The demand phase is a flat-fee engagement with a defined deliverable. If the insurer refuses to act, the next step is a formal complaint filed in court.
What We Handle
Claim Denials
Underpayment of Claims
Delay Tactics
Failure to Investigate
Bad Faith Refusal to Pay
Lowball Settlement Offers
Homeowner's Insurance
Auto Insurance
Health Insurance Disputes
Business Interruption Claims
Property Damage Claims
Life Insurance Denials
What You Receive
Policy Review + Demand Package
We review your insurance policy to identify the coverage you purchased and the obligations your insurer owes. Then we draft a formal demand letter documenting the claim, the insurer's conduct, and the legal basis for your position — sent on firm letterhead via certified mail.
Policy Analysis
A written review of your insurance policy identifying the specific coverage provisions, exclusions, conditions, and obligations that apply to your claim.
Insurer Conduct Timeline
A documented chronology of the insurer's handling of your claim — delays, denials, underpayments, and failures to communicate — establishing a record for potential bad faith action.
How It Works
Tell us what happened
Describe the claim, the denial or underpayment, and what your insurer has communicated. Upload your policy, the denial letter, any correspondence, and documentation of your loss.
We review and scope
We analyze your policy and the insurer's conduct. You receive a defined scope — what the demand will cover, the deliverable, the timeline, and the fee.
Demand drafted
Your attorney drafts a formal demand letter citing the policy provisions, documenting the insurer's conduct, and demanding payment — with a deadline for response.
Demand sent
The demand is sent via certified mail. You receive a copy, tracking confirmation, and a close-out letter. If the insurer responds, follow-up is scoped as a separate engagement.
You paid for coverage. We put them on notice.
Submit Your ClaimExperience
Brenden M. Moore represents policyholders — not insurance companies. He has reviewed denial letters across homeowner’s, auto, health, and business interruption policies, and in every case the analysis starts the same way: read the policy language the insurer cited, determine whether the denial is supported by the actual terms, and identify every obligation the insurer failed to meet.
His demand packages document the insurer’s conduct, cite the applicable bad faith statutes, and calculate the exposure the company faces if the matter proceeds to litigation. Insurance companies respond differently when the demand comes from an attorney who has read the policy — not just the denial letter.
You paid a company to protect you. When they refuse, the law is on your side.
EDUCATION
Northwestern University Pritzker School of Law, J.D.
LICENSED IN
Florida · Illinois · New Jersey
Common Questions
Your policy. Your rights. Enforced.
One demand package. One demand package. Built on the policy they wrote. No obligation.
Submit Your ClaimMost inquiries receive a response within one business day.