Why Do I Need an Attorney Before the Insurance Company Has Made Their Coverage Decision?

As a first-party property damage attorney, I consult homeowners at all phases of the pre-suit spectrum. Some approach our firm from the moment they report to the claim to the insurance company—while others wait until they receive a denial from the carrier. Sometimes, I am asked by potential clients…why don’t I just wait until I receive a denial from the insurance company before I retain an attorney?