We invoke bad-faith standards
State bad-faith laws give policyholders significant leverage. We frame the appeal in terms of the specific bad-faith standard in your state.
Homeowners claim denied
Homeowners insurance denied your claim? Most denials are reversible.
State bad-faith laws give you serious leverage when an insurer denies a covered loss, lowballs your settlement, or delays unreasonably. We file the appeal with the right legal framework and pursue bad-faith damages when warranted.
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Sound familiar?
If any of this is happening to you, we can help.
Storm or water damage claim denied as 'wear and tear'
Settlement offer way below actual repair cost
Depreciation deducted on items that shouldn't depreciate
Insurer delayed handling beyond statutory window
Adjuster's report contradicts a contractor's estimate
How we handle it
The procedural side, on autopilot.
We get independent estimates
When the adjuster's number is wrong, an independent contractor estimate forces a re-examination. We coordinate the estimate and submit it formally.
We escalate to state insurance regulators
State insurance commissioners take handling-delay complaints seriously. The threat alone often gets cases reopened.
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$19 subscription waived for the first month.
Subscription
$19
$9.50/mo
50% off the subscription, locked in for life.
Stack more free months · No cap
1 month free — for you and your friend.
Forward your share link to anyone who’s gotten screwed by a bill, a denial, or a landlord. When they sign up and make their first transaction, you both unlock a free month.
Common questions
Answered.
- Most consumer disputes don't need a lawyer when the procedure is followed correctly. Dot & Cross handles the procedural side end-to-end and refers to an attorney only when one is genuinely required.
Closes the day we launch
First month free. 50% off for life.
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