You pay your insurance premiums every month expecting your insurer to be there when you need them. But when disaster strikes—a hailstorm destroys your roof, a fire damages your home, or a burst pipe floods your property—too many insurance companies look for reasons to deny, delay, or underpay your claim.
At Johnson Tabor & Johnson, we represent homeowners, property owners, and businesses in disputes with their insurance companies over property and casualty claims. Our senior partner spent over 40 years working for insurance carriers—he knows exactly how they evaluate claims, how they justify denials, and where their arguments fall apart. Now that insider knowledge works for you.
Whether your claim was denied outright, underpaid, or endlessly delayed, we have the experience to hold your insurance company accountable and fight for the full coverage you're owed under your policy.
Property insurance exists for one reason: to make you whole when your property is damaged or destroyed. Your policy is a contract, and your insurer has a legal obligation to honor it. But insurance companies are businesses, and paying claims reduces their profits. That creates a fundamental conflict of interest.
We see it every day: legitimate claims denied on technicalities, repair estimates slashed by company adjusters who've never set foot on your property, and policyholders pressured into accepting far less than their damage is worth. If this sounds familiar, you may need an attorney on your side.
Most attorneys who handle insurance disputes have only ever worked the policyholder side. Our senior partner spent his career on the other side of the table—as defense counsel for major insurance carriers. He knows how claims are evaluated internally, what triggers a denial, and what it takes to reverse one. That perspective is invaluable in coverage disputes.
Roof damage, siding damage, window damage, and other property damage caused by Nebraska's severe hailstorms and wind events.
Structural fire damage, smoke damage, soot contamination, and loss of personal property from house fires.
Burst pipes, sewer backups, roof leaks, and flood damage. Coverage disputes often arise over the cause and extent of water damage.
Structural damage, fallen trees, debris impact, and total property loss from Nebraska's severe wind events and tornadoes.
Ice dam damage, frozen pipe bursts, roof collapses from snow load, and other winter weather property claims.
Business property damage, business interruption claims, and commercial coverage disputes for Nebraska businesses.
Nebraska sits squarely in the heart of Hail Alley. Every year, severe hailstorms cause hundreds of millions of dollars in property damage across the state. Roofs bear the brunt of the damage—but siding, gutters, windows, HVAC systems, and other components are often affected as well.
After a major hailstorm, insurance companies are flooded with claims. To manage their exposure, they often deploy tactics designed to minimize payouts: sending their own adjusters who underestimate damage, arguing that damage was pre-existing, or claiming that cosmetic damage doesn't affect functionality.
A hail-damaged roof often needs full replacement, not just repair. Shingle damage from hail may not be visible from the ground, but a qualified roofing inspector can identify impact marks, granule loss, cracking, and compromised seals that significantly reduce the roof's lifespan and protective capacity.
If your insurance company has denied your hail damage claim, underpaid it, or is pressuring you to accept a lowball estimate, contact us. We work with qualified roofing professionals and independent adjusters to document the true extent of your damage and fight for the full replacement or repair cost you're owed under your policy.
If you need a qualified roofing inspection or hail damage assessment in the Omaha metro area, our team works alongside experienced roofing professionals who specialize in storm damage documentation and insurance claim support. Ask us for a referral during your consultation.
Insurance companies deny property claims for a variety of reasons—some legitimate, many not. Common reasons include:
The insurer claims the damage existed before the covered event. This is especially common with roof claims where they attribute hail damage to normal wear and tear or age.
The insurer argues the cause of damage isn't covered under your policy. Water damage claims are particularly susceptible to this tactic.
The insurer claims you didn't take reasonable steps to prevent further damage after the initial event.
The insurer argues you waited too long to report the damage, even though some damage—like hail damage to a roof—may not be immediately apparent.
The insurer acknowledges damage but classifies it as purely cosmetic, avoiding the cost of full repair or replacement. Many policies now include cosmetic damage exclusions that insurers exploit aggressively.
Rather than outright denying your claim, the insurer approves it but applies excessive depreciation or uses artificially low repair estimates to reduce your payout.
A denial or underpayment is not the final word. Your policy is a contract, and you have the right to challenge your insurer's decision. We can help.
Nebraska law requires insurance companies to deal fairly and in good faith with their policyholders. When an insurer unreasonably denies a valid claim, fails to conduct a proper investigation, or uses deceptive practices to avoid paying, that may constitute bad faith.
Bad faith conduct by an insurer can include:
If your insurer has acted in bad faith, you may be entitled to additional damages beyond the value of your claim, including attorney's fees and, in egregious cases, punitive damages. We evaluate every case for potential bad faith and pursue those claims aggressively when warranted.
Here's what to expect when you bring a property claim dispute to our firm:
We review your policy, the insurer's denial or offer, and the facts of your claim at no cost to you.
We work with independent adjusters, roofing professionals, contractors, and other experts to document the true extent of your damage.
We present the insurer with our findings and demand full payment under your policy. Many disputes resolve at this stage.
If the insurer refuses to pay fairly, we pursue the appraisal process under your policy or file a lawsuit to enforce your rights.
You receive the full compensation you're owed under your policy, plus potential bad faith damages if applicable.
Johnson Tabor & Johnson represents homeowners, property owners, and businesses in insurance disputes throughout Nebraska, including:
Whether your claim was denied, underpaid, or delayed, contact us today for a free consultation. We know how insurance companies think—because we used to work for them.
There's no fee unless we win.