Mrs. Johnson's insurance company blamed her for not adequately maintaining her home. The company brought in it’s own contractors who negligence caused additional damage to the residence and Mrs. Johnson's property.

The amount of money Mrs. Johnson was offered by her insurance claims adjuster wasn't enough to even fix her roof let alone the house and everything in it. One of her former cleaning clients referred Mrs. Johnson to Joe Watkins.

Mr. Watkin's brought in qualified help; had accurate estimates done by qualified people; through the old contractors off the job and sued the insurance company.

Less than 12 months later, the insurance lawsuit settled out of court. Mrs. Johnson had a completely rebuilt home, new furniture, new contents and enough money to pay for all of her out-of-pocket expenses, Sadly, it took a lawyer to get the company to do the right thing.


The Jackson's had a deluxe homeowner’s insurance policy. They had been promised by the agent who sold them the policy that everything in the home was covered, including major appliances.

When a short circuit destroyed their air-conditioning unit in the middle of the summer, the Jackson's filed an insurance claim. The agent turned claim over to the company and the trouble began.

The insurance claims adjuster blamed the short-circuit on "wear and tear". This resulted in a total insurance denial. The expensive replacement policy, according to the company's definition, could not be expected to replace older appliances. When the Jackson's pointed out that the agent had promised complete coverage, the insurance claims adjuster ignored them and stood by his claim denial.

After calling Mr. Watkins, things changed. Qualified people were brought in who determined that a five dollar part short-circuited, destroying the air-conditioning unit. Still, the company ignored the evidence and denied the claim. An insurance lawsuit for insurance bad-faith was filed by Mr. Watkins.

When all was said and done, the Jackson's recovered over $400,000 for their $5000 unit. This amount included additional damages including punitive damages. Obviously, it's best to avoid litigation though; sometimes it all works out for the best!


The Jacobs family had lived in their home for less than one month. They had moved from out-of-state and put their life savings into a 40-year-old home overlooking the valley. Shortly after moving in, storm destroyed their roof and the house was inundated with water.

When the Jacobs filed a home insurance claim, the insurance claims adjuster told them that the house had not been properly maintained. The adjuster offered $5000 for damage to furniture and other items inside the home but refused to pay for the roof.  This amount to a total claim denial.

The Jacobs did their best to get the roof patched. Over the next several months their children and their pets began experiencing bloody noses and the children began complaining of headaches. When they reported these problems to their insurance claims adjuster, they were ignored.

After months of sickness and concern, the Jacobs hired Mr. Watkin's. Joe had the house evaluated by professionals. Because the house was built prior to 1980, it was contaminated with asbestos which was made worse by the storm damage. Mold had developed throughout the house including toxic mold which was making every body sick.

The case took a new turn, when Mr. Watkins discovered that the insurance claims adjuster knew about the asbestos and mold but had refused to warn the family. This was no longer a typical insurance dispute. After pushing the company to the brink, the case ultimately settled for well over seven figures. The family sold the home and left the state. Sadly, all of this could have been avoided if the insurance company had simply been honest.

Success Stories
Joe Watkins | 520.882.9115
The following are some of the success stories Joe has created over the years. The client actual names have been changed for privacy purposes however, each story is absolutely true.

Mrs. Johnson was a retired cleaning lady. She'd worked hard her whole life. While she didn't have much, she did have a little home which was completely paid for. In 2006, a storm tore the roof off her house. The entire structure was inundated with water and almost everything Mrs. Johnson owned was destroyed. Mrs. Johnson was 81 years old.
Sucess is sweet!
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