You need a lawyer to ensure that you are compensated for the damaged property to the full extent of your insurance policy. Homeowners insurance companies, commercial property, fire and flood insurers are well-known to underestimate and undervalue the amount of property insurance claims for one simple reason – because it pays them not to pay you. Often, property insurance policies Homeowners Insurance are complex and contain numerous different insurance coverages that laypersons fail to consider or seek recovery for. For example, not only can a homeowner or commercial property owner be compensated for the structural damage to their home or commercial property, but you can also be compensated for things such as additional living expenses, damaged contents, debris removal and recoverable depreciation.