Inside First-Party Property Insurance: Winning Against Denials And Delays

Counsel and Commentary

Think your insurer is your ally after a fire, flood, or storm? Attorney Jim Kenny explains why first-party property claims are won with precision; policy language, documentation, and the right expert...not optimism. We take you inside the real process: how carriers anchor low using massive line-item estimates, why vacancy and occupancy rules are silent deal breakers, and how ACV, RCV, and depreciation holdbacks actually play out when timelines slip.
For owners and investors, this is a blueprint: choose adequate limits with a strong carrier, communicate openly with your broker about occupancy and renovations, verify endorsements for ordinance or law coverage, and maintain a clean paper trail from day one. We also explore climate and inflation pressures driving more hail and severe weather claims in the Midwest, and what that means for timelines, budgets, and negotiations. If your claim has been delayed, underpaid, or denied, Jim’s playbook shows how to regain leverage with facts, deadlines, and policy terms, so you get paid what it really costs to rebuild.
This episode is brought to you by Top Attorneys Of North America. https://topattorneys.us/

To learn more about James Kenny:

1. https://www.kennylawfirm.com/

2. 312-647-2483

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Fejezetek

1. Show Open & Guest Intro (00:00:00)

2. What First-Party Property Loss Means (00:01:57)

3. First Mistakes After Catastrophic Damage (00:03:39)

4. First Party vs Third Party Explained (00:05:16)

5. Why Valid Claims Get Undervalued (00:07:17)

6. Hidden Policy Traps Owners Miss (00:09:14)

7. Red Flags From Insurance Adjusters (00:10:50)

8. Building A Strong Claim From Day One (00:12:03)

9. Documents That Maximize Recovery (00:15:05)

10. Leveraging Policy And Estimates To Win (00:18:11)

11. Misconceptions That Risk Your Claim (00:20:15)

12. Appellate Win On Depreciation Holdback (00:22:02)

13. Settle Fast Or File Suit (00:24:27)

14. Pre-Disaster Advice That Actually Helps (00:25:00)

15. Critical Coverages Owners Overlook (00:27:01)

16. Climate, Hail, And Rising Claim Volume (00:29:48)

17. Deadlines, Documentation, And Holdbacks (00:32:03)

18. Why Jim Fights For Policyholders (00:33:36)

19. If Denied: Smart Next Steps (00:34:12)

20. Where To Find Jim & Closing (00:35:43)

21. Host Resources & Final CTA (00:36:43)