Storm, Tornado, and Hurricane Damage

Insurance field adjusters do not always capture the true cost of restoring a damaged property. In North Alabama, tornadoes and severe winds can cause major structural and roofing damage, while Gulf Coast hurricanes often involve wind-driven rain, water intrusion, and widespread exterior damage. We help policyholders document the full scope of the loss and challenge estimates that fall short of what proper repairs actually require.

Fire, Smoke, and Water Damage Claims

Fire and water losses often involve much more than what can be seen on the surface. Smoke and soot may contaminate HVAC systems and hidden building materials, while water damage can require extensive drying and remediation to prevent mold in Alabama’s humid climate. We help ensure these hidden costs are considered when insurers undervalue or underpay a claim.

Commercial Property & Business Interruption

When physical damage forces an Alabama business to close or reduce operations, the financial impact can extend far beyond the cost of repairs. We help business owners pursue coverage for property damage, lost income, continuing expenses, and other covered business interruption losses so they can focus on getting back to work.

Bad Faith Claims & Pre-Lawsuit Services

Bad faith can arise when an insurer unreasonably delays, denies, or mishandles a valid claim without a legitimate basis. Johnstone Trial Law can step in before a lawsuit is filed to review the claim, challenge improper coverage decisions, and push for a fair resolution. When early intervention is not enough, we are prepared to pursue litigation.