Attorney Advertising 732-606-4516 bonnie@bonnielawoffice.com

Civil · Underpaid insurance claims

Your home, auto, or property claim was underpaid or denied.

When an insurer underpays or denies a property claim, the answer is usually in the policy language. I read the policy and the claim file and write the insurer a demand. I am a lawyer, not a public adjuster. I do not adjust claims or take a percentage of your recovery.

I take all matters based on my case load and whether the case resonates with me. A meeting alone does not establish an attorney-client relationship. That relationship begins only after I have accepted the case and we have both signed a written retainer agreement.

I also do auditing work for some insurance carriers. Before I take a claim, I run a conflict check. I will not take a claim against a carrier I work for.

Published fees

Underpaid insurance claims: what it costs.

Each fee below is my attorney fee for the scope listed, and it binds for that scope. Court filing fees, service of process, court-officer fees, and other third-party costs are extra. They are paid to the court or the provider, not to me. If your matter would entail more than a flat fee, I tell you in writing before any added work, and nothing changes unless you agree.

Policy review and demand

$400flat

Review of one policy and one claim, and one demand letter to the insurer.

Included

  • Review of your policy, the claim file, and the denial or payment letter
  • One demand letter to the insurer
  • One short follow-up email to clarify the letter, if you write within 10 days

Not included

  • Public-adjuster services, estimates, or appraisals
  • Appraisal or arbitration proceedings
  • Personal-injury, health, life, or disability claims
  • A lawsuit

Beyond the flat fee

Litigation is hourly at $275/hour through December 8, 2026, then $350/hour, with a written retainer, and only if I take it. Time is billed in tenths of an hour.

On the drafting-only fees, you remain the self-represented (pro se) party. You file the papers and appear yourself unless we sign a separate written retainer for an appearance.

Published discounts apply to these attorney fees, not to court or third-party costs.

A free 30-minute phone consultation is available by appointment at 732-606-4516. A call does not establish an attorney-client relationship.

Writing this office, filling out a form, sending documents, or meeting with me does not create an attorney-client relationship and does not mean I have accepted your matter. A meeting alone does not establish an attorney-client relationship. An attorney-client relationship begins only after I have accepted the case and we have both signed a written retainer agreement. Until then, do not send confidential information you need protected. This website is not the contract.

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