Settlement Alerts:

$9,250,000 Defamation Case Win Against The New York Times 8/26
$6,800,000 Wrongful Death 8/26
$81,000,000 Children Born Addicted (as part of the trial team)
$18,000,000 Product Liability 12/19
$13,000,000 Medical Malpractice – Sexual Assault 8/23
$225,000 Civil Litigation 7/26
$50,000 Motor Vehicle Accident 7/26
$30,000 Medical Malpractice 7/26
$25,000 Motor Vehicle Accident 7/26
$42,690 Motor Vehicle Accident 7/26
$2,759,223 Opioid Litigation 6/26
$70,000 Medical Malpractice 6/26
$25,000 Motor Vehicle Accident 6/26
$100,000 Motor Vehicle Accident 5/26
$25,000 Motor Vehicle Accident 5/26
$420,000 Jail Litigation 5/26
$25,000 Motor Vehicle Accident 5/26
$650,000 Jail Litigation 5/26
$46,937 Opioid Litigation 5/26
$150,000 Wrongful Death – Jail Litigation 5/26
$285,000 Medical Malpractice 4/26
$25,000 Motor Vehicle Accident 3/26
$50,000 Motor Vehicle Accident 3/26
$25,000 Motor Vehicle Accident 3/26
$25,000 Motor Vehicle Accident 3/26
$50,000 Motor Vehicle Accident 3/26
$50,000 Personal Injury 3/26
$40,000 Motor Vehicle Accident 2/26
$50,000 Motor Vehicle Accident 2/26
$32,500 Motor Vehicle Accident 2/26
$42,500 Motor Vehicle Accident 1/26
$30,000 Personal Injury 1/26
$50,000 Motor Vehicle Accident 12/25
$25,000 Motor Vehicle Accident 12/25
$25,000 Motor Vehicle Accident 11/25
$77,500 Motor Vehicle Accident 11/25
$25,000 Motor Vehicle Accident 11/25
$25,000 Motor Vehicle Accident 9/25
$25,000 Motor Vehicle Accident 9/25
$26,668 Personal Injury 9/25
$25,000 Personal Injury 9/25
$97,500 Personal Injury 9/25
$25,000 Motor Vehicle Accident 9/25
$100,000 Wrongful Death – Jail Litigation 8/25
$100,000 Wrongful Death 7/25
$45,000 Motor Vehicle Accident 7/25
$200,000 Wrongful Death 6/25
$1,200,000 Wrongful Death – Jail Litigation 6/25
$200,000 Slip & Fall 6/25
$26,000 Motor Vehicle Accident 5/25
$800,000 Jail Litigation 5/25
$925,000 Motor Vehicle Accident 5/25
$25,000 Motor Vehicle Accident 4/25
$125,000 Motor Vehicle Accident 4/25
$700,000 Jail Litigation 4/25
$25,000 Motor Vehicle Accident 4/25
$125,000 Personal Injury 4/25
$20,000 Motor Vehicle Accident 2/25
$1,300,000 Jail Litigation 2/25
$210,000 Slip & Fall 2/25
$100,000 Motor Vehicle Accident 2/25
$975,000 Medical Malpractice 1/25
$4,000,000 Jail Litigation 1/25

$9,250,000 Defamation & False Light 8/26
$6,800,000 Wrongful Death 8/26
$81,000,000 Children Born Addicted (as part of the trial team)
$18,000,000 Product Liability 12/19
$13,000,000 Medical Malpractice – Sexual Assault 8/23
$225,000 Civil Litigation 7/26
$50,000 Motor Vehicle Accident 7/26
$30,000 Medical Malpractice 7/26
$25,000 Motor Vehicle Accident 7/26
$42,690 Motor Vehicle Accident 7/26
$2,759,223 Opioid Litigation 6/26
$70,000 Medical Malpractice 6/26
$25,000 Motor Vehicle Accident 6/26
$100,000 Motor Vehicle Accident 5/26
$25,000 Motor Vehicle Accident 5/26
$420,000 Jail Litigation 5/26
$25,000 Motor Vehicle Accident 5/26
$650,000 Jail Litigation 5/26
$46,937 Opioid Litigation 5/26
$150,000 Wrongful Death – Jail Litigation 5/26
$285,000 Medical Malpractice 4/26
$25,000 Motor Vehicle Accident 3/26
$50,000 Motor Vehicle Accident 3/26
$25,000 Motor Vehicle Accident 3/26
$25,000 Motor Vehicle Accident 3/26
$50,000 Motor Vehicle Accident 3/26
$50,000 Personal Injury 3/26
$40,000 Motor Vehicle Accident 2/26
$50,000 Motor Vehicle Accident 2/26
$32,500 Motor Vehicle Accident 2/26
$42,500 Motor Vehicle Accident 1/26
$30,000 Personal Injury 1/26
$50,000 Motor Vehicle Accident 12/25
$25,000 Motor Vehicle Accident 12/25
$25,000 Motor Vehicle Accident 11/25
$77,500 Motor Vehicle Accident 11/25
$25,000 Motor Vehicle Accident 11/25
$25,000 Motor Vehicle Accident 9/25
$25,000 Motor Vehicle Accident 9/25
$26,668 Personal Injury 9/25
$25,000 Personal Injury 9/25
$97,500 Personal Injury 9/25
$25,000 Motor Vehicle Accident 9/25
$100,000 Wrongful Death – Jail Litigation 8/25
$100,000 Wrongful Death 7/25
$45,000 Motor Vehicle Accident 7/25
$200,000 Wrongful Death 6/25
$1,200,000 Wrongful Death – Jail Litigation 6/25
$200,000 Slip & Fall 6/25
$26,000 Motor Vehicle Accident 5/25
$800,000 Jail Litigation 5/25
$925,000 Motor Vehicle Accident 5/25
$25,000 Motor Vehicle Accident 4/25
$125,000 Motor Vehicle Accident 4/25
$700,000 Jail Litigation 4/25
$25,000 Motor Vehicle Accident 4/25
$125,000 Personal Injury 4/25
$20,000 Motor Vehicle Accident 2/25
$1,300,000 Jail Litigation 2/25
$210,000 Slip & Fall 2/25
$100,000 Motor Vehicle Accident 2/25
$975,000 Medical Malpractice 1/25
$4,000,000 Jail Litigation 1/25

CALL US NOW

5-Star Google Rating•BBB Rating: A+•West Virginia State Bar•The United States District Courts for the Northern and Southern Districts of West Virginia•The Fourth Circuit Court of Appeals•The United States Supreme Court•American Association for Justice•Opioid Justice Team•Trial Lawyers Care•West Virginia Association for Justice•5-Star Google Rating•BBB Rating: A+•West Virginia State Bar•The United States District Courts for the Northern and Southern Districts of West Virginia•The Fourth Circuit Court of Appeals•The United States Supreme Court•American Association for Justice•Opioid Justice Team•Trial Lawyers Care•West Virginia Association for Justice

First Party Property Claims Lawyer in Logan

Resolving Property Insurance Disputes

Comprehensive Guide to First Party Property Claims

If your property in Logan, West Virginia sustained damage and your insurer has delayed, underpaid, or denied your claim, this page explains how first party property claims work and what steps you can take to protect your recovery. Stephen New & Associates in Beckley represents people across the region who face disputes with their own insurance carriers after losses from fire, storm, water, vandalism, or other covered events. This introduction outlines common issues claimants face, the kinds of documentation insurers often request, and practical next steps to preserve rights and move a claim forward efficiently and effectively.

This guide covers the fundamentals of first party property claims, including how policy language, coverage limits, and exclusions affect outcomes for Logan homeowners and business owners. You will find plain-language explanations about proof of loss, estimate disputes, repair versus replacement valuations, demand letters, and when to consider escalating a claim. The material also highlights the firm’s approach to communication, timelines for appeals and litigation, and tips for working with adjusters. Our goal is to help you understand the process so you can make informed choices after a loss to property in Logan County.

Why First Party Property Claims Matter for Logan Property Owners

Handling a first party property claim properly can mean the difference between receiving a fair recovery and absorbing significant out-of-pocket loss after damage to your home or business. This service helps claimants clarify policy terms, gather and present evidence of damage and loss, and challenge undervaluations or coverage denials from insurers. By taking a proactive approach, claimants improve their chances of timely and full payment, reduce stress and delay, and preserve important legal rights such as appealing denials or filing suit when necessary under West Virginia law and the terms of the policy.

About Stephen New & Associates in Beckley and Logan Matters

Stephen New & Associates is a Personal Injury Law Firm with roots in Beckley serving clients across West Virginia, including Logan County. The firm focuses on advocating for people who face serious losses, including first party property claims, medical negligence, and catastrophic injury matters. Attorneys and staff prioritize clear communication, thorough documentation, and active negotiation with insurers on behalf of clients. The firm is familiar with local courts and claim practices in the region and works to secure recoveries that address repair costs, property replacement, and other related losses for clients after damaging events.

Understanding First Party Property Claims in Logan

A first party property claim is a claim that a policyholder submits to their own insurer after a covered loss to property such as a home, rental unit, or commercial building. Understanding such claims involves reviewing the insurance policy, determining which perils are covered, identifying applicable deductibles and limits, and documenting the scope and cost of physical damage and loss of use. Timely notice to the insurer and compliance with proof of loss requirements matter. Claimants should preserve evidence, obtain repair estimates, and track communications because these steps directly affect claim evaluation and potential dispute resolution.

The claims process typically includes inspection by an adjuster, submission of estimates, and negotiation over repair or replacement values. Disputes commonly arise over depreciation, matching of building materials, the scope of necessary repairs, and whether secondary damage such as mold is covered. When insurers deny coverage or offer payments that do not match reasonable costs, policyholders may pursue administrative appeals, appraisal processes when the policy allows, or litigation under applicable statutes and contract law in West Virginia. Knowing the timeline for filing suit and preserving rights is essential to protect recovery.

Need More Information?

Key Terms and Simple Definitions for Property Claims

First Party Claim

A first party claim is a request made by a policyholder to their own insurance company for payment after the policyholder experiences a covered loss to property. This type of claim differs from third party claims, where a separate party seeks damages from the policyholder’s insurer for liability. In a first party claim the insured must typically provide notice, document damages through photos and estimates, cooperate with the insurer’s investigation, and submit a proof of loss if required under the policy. The insurer’s obligations are governed by the policy language and applicable West Virginia law.

Coverage Denial

A coverage denial occurs when an insurer declines to pay for a loss or a portion of a loss because it asserts the event is not covered, the policy has exclusions, or the policyholder failed to meet conditions such as timely notice. Denials must be assessed against the written policy, any applicable endorsements, and the factual record of the loss. Policyholders should request a written explanation of the denial, review relevant documents, and consider options for appeal, negotiation, or court action when a denial appears inconsistent with policy terms or supported facts.

Actual Cash Value and Replacement Cost

Actual cash value refers to the value of damaged property accounting for depreciation, while replacement cost refers to the amount necessary to repair or replace property without deduction for depreciation, subject to policy limits and terms. Many policies offer replacement cost coverage but require the insured to make repairs or purchase replacement items to recover the full replacement amount. Understanding which valuation method applies affects settlement offers and negotiations, and claimants must provide receipts, estimates, and documentation to support the valuation method they seek under the policy.

Proof of Loss

A proof of loss is a formal statement submitted to an insurer that documents the amount of loss, the items damaged, and other supporting information that the policy requires in order to process a claim. It can include inventories of damaged property, cost estimates, receipts, and sworn statements about the circumstances of the loss. Timely and accurate submission of a proof of loss can be essential to securing payment and avoiding procedural defenses, and claimants should follow the policy’s requirements carefully when preparing this documentation.

PRO TIPS

Document Damage Immediately

After a loss, take comprehensive photos and videos of all affected areas and items, including close ups of structural damage and any visible secondary damage such as water stains or mold. Keep records of emergency repairs and receipts for expenses incurred to protect the property from further harm, and preserve any damaged materials where possible to assist with adjuster inspection. Prompt and thorough documentation strengthens your position in negotiations with your insurer and helps establish the timeline and extent of loss when presenting a claim for repair or replacement.

Keep Clear Records of Communication

Maintain a dedicated file that logs all communications with your insurer, including dates, names of adjusters, summaries of phone calls, and copies of emails and letters exchanged about the claim. Record details of inspections, estimate disagreements, and any promises or representations made by company representatives, because accurate records reduce ambiguity during disputes. Organized documentation allows you to respond more quickly to requests, demonstrates cooperation, and provides a clear trail if appeal or litigation becomes necessary to resolve a contested claim.

Understand Your Policy Terms

Review your insurance policy to identify covered perils, deductibles, limits, endorsements, and any conditions such as notice requirements or appraisal clauses that may affect how disputes are resolved. If the policy language is unclear, seek clarification early in the claim process so you know what the insurer’s responsibilities are and what documentation will be required. Familiarity with these terms helps you set realistic expectations for recovery, recognize improper denials, and pursue appropriate remedies under the policy and West Virginia law when promises of coverage are not honored.

Comparing Your Options After a Property Insurance Dispute

When a Full Legal Response Is Appropriate:

Widespread or Catastrophic Damage

When a loss causes extensive structural damage or total loss of a dwelling or business property, the complexity and scope of valuation disputes often exceeds routine adjustment procedures and may require in-depth review of contractor estimates and policy endorsements. A comprehensive approach helps ensure all replacement and related costs, including code upgrades and additional living expenses, are identified and pursued. In those circumstances, careful planning and coordinated documentation are necessary to preserve rights and present a complete claim for full recovery under the policy.

Coverage Denials or Bad Faith Conduct

If an insurer denies coverage without a clear policy basis, refuses to investigate reasonably, or engages in delay tactics that prejudice the claimant, a comprehensive legal response may be warranted to enforce policy obligations and seek appropriate remedies. Addressing denials and patterns of unfair handling can require formal demand letters, statutory notice, and preparation for litigation or settlement discussions. Taking these steps early can make it more likely that the insurer will address legitimate claims and that remedies will be available if legal enforcement becomes necessary.

When a Targeted Response May Suffice:

Minor Damage and Prompt Payment

For modest losses where the insurer promptly acknowledges coverage and offers a reasonable payment that covers repair and replacement costs, a limited approach focused on documentation and negotiation with the adjuster can be sufficient to resolve the claim. In such situations, the claimant can often accept a settlement after verifying that estimates and receipts align with the payment offered. Keeping clear records and confirming that the payment fully addresses the loss helps close the matter without more formal proceedings.

Discrepancies Resolved Through Clarification

When disagreements with an insurer are narrow and relate to a single line item or valuation discrepancy that can be resolved by submitting additional receipts, contractor quotes, or photographs, a focused exchange addressing that issue may be effective. Providing the requested documentation and engaging in direct negotiation with the adjuster can often persuade the insurer to revise an initial offer. This targeted method saves time and expense when the overall dispute remains small and cooperative resolution is achievable.

Common Situations That Lead to First Party Property Claims

Storm and Wind Damage

Storms and wind events frequently cause roof, siding, and structural damage that lead to first party property claims when homeowners and businesses seek repair or replacement coverage under their policies. Proper documentation of the timing and extent of storm-related damage and immediate measures to prevent further loss are essential for supporting a claim and demonstrating the necessity of repairs.

Water and Flood-Related Losses

Water intrusion from burst pipes, roof leaks, or sewer backups often results in disputes over whether the damage is covered, particularly when mold or progressive deterioration follows the initial event. Claimants should document visible damage, emergency mitigation measures, and any professional assessments to show the cause and scope of loss when presenting a claim to their insurer.

Fire and Smoke Damage

Fires can produce extensive structural and contents loss and raise questions about replacement, salvage value, and additional living expenses for displaced residents. Thorough inventories of destroyed items, contractor repair estimates, and records of displacement costs support recovery and clarify the full scope of loss under the policy.

Logan First Party Property Claims Attorney

Why Choose Stephen New & Associates for Your Claim

Stephen New & Associates brings focused attention to first party property claims for residents across Logan County and surrounding West Virginia communities. The firm emphasizes clear communication with clients, practical guidance on documentation and mitigation, and active negotiation with insurers to pursue fair settlements. Whether handling a straightforward repair claim or a complex valuation dispute, the firm assists with preparing demand letters, compiling proof of loss, and evaluating insurer responses so claimants can make informed choices about settlement or further action.

Clients working with the firm can expect support in organizing evidence, working with contractors and appraisers when needed, and understanding policy provisions that affect coverage and recovery. The firm is experienced in pursuing claims for replacement cost, contents losses, additional living expenses, and related damages, and will take steps to protect legal options if an insurer improperly denies or undervalues a claim. The goal is a timely, fair resolution that helps clients rebuild and recover after property loss in Logan.

Contact Us to Discuss Your Property Claim

People Also Search For

First party property claims Logan WV

Logan property insurance claim lawyer

homeowners insurance claim Logan West Virginia

insurance claim denial Logan

property damage claim assistance Logan WV

replacement cost claim Logan

storm damage insurance claim Logan

first party claim litigation West Virginia

Related Services

FAQS

What is a first party property claim and how does it differ from other insurance claims?

A first party property claim is a demand you make directly to your own insurance carrier for payment after your property suffers a covered loss, such as damage from wind, fire, theft, or certain types of water intrusion. It differs from a third party claim, which involves a claim against another party who allegedly caused harm and their liability insurance. First party claims focus on coverage under your own policy, the valuation of your losses, and the insurer’s duties under contract and applicable state law. To pursue a first party claim you generally need to provide notice to the insurer, document the loss with photos and estimates, and submit any required proof of loss forms. The insurer will investigate and may offer a settlement or deny coverage based on policy terms. Understanding policy provisions like limits, deductibles, and exclusions helps determine whether the insurer’s position aligns with the written contract and available remedies under West Virginia law if disputes arise.

How long do I have to file a claim after property damage in Logan?

The timeframe to file a first party claim is driven first by any notice requirements in your insurance policy and second by applicable statutes of limitations in West Virginia. Policies commonly require prompt notice of loss and specific timelines for submitting documentation or proofs, and failing to meet those contractual requirements can jeopardize recovery unless excused by reasonableness or other equitable considerations. It is important to review the notice provisions and comply with requests from the insurer while also documenting any delays that were beyond your control. Statutory limitations for filing suit to enforce a claim vary by cause of action and the nature of the claim, so if a dispute remains unresolved you should be mindful of deadlines that affect your ability to pursue litigation. Prompt action to preserve evidence and communicate with the insurer reduces the risk of missing essential procedural timelines and strengthens your position should you need to pursue formal legal remedies.

What should I include in a proof of loss for my property claim?

A thorough proof of loss typically includes a detailed inventory of damaged or destroyed items, photographs and video documenting the damage, contractor or repair estimates, and receipts for any emergency repairs or temporary housing expenses. The proof should describe the date and cause of the loss to the extent known, list the amounts being claimed for each item or repair, and include any supporting documentation that validates the claimed amounts. Providing organized records makes it easier for the insurer to process the claim and reduces disputes over missing information. In addition to itemized lists, include documentation of ownership or value where possible, such as invoices, serial numbers, or appraisals for high-value items. Keep copies of all communications with the insurer and obtain written confirmations of any statements or commitments made by adjusters or company representatives. Thorough documentation improves the clarity and strength of your claim while preserving evidence needed for negotiation or dispute resolution.

What can I do if my insurer denies my claim?

If your insurer denies your claim, request a detailed written explanation of the denial and the policy provisions the company relied on. Review the denial in light of your policy language, documented evidence, and timelines for notice and proof of loss. If the denial appears inconsistent with the policy or the facts, consider pursuing administrative appeals when available, sending a formal demand letter to the insurer, or initiating dispute resolution procedures listed in the policy such as appraisal or mediation, depending on the policy terms and the nature of the disagreement. When negotiations do not resolve the matter, you may have the option to file a lawsuit to enforce the contract or seek other remedies under state law. Preserving evidence, maintaining clear records of communications, and taking timely steps to assert your rights improve the likelihood of a favorable outcome whether through settlement or litigation. Consulting with a lawyer who handles insurance disputes can help evaluate the strength of the denial and the appropriate next steps tailored to your situation.

Are contents and personal property covered under a typical homeowners policy?

Most homeowners policies provide coverage for personal property and contents subject to policy limits, deductibles, and certain exclusions. Coverage can vary based on whether items are covered at actual cash value or replacement cost, and some policies impose sublimits for specific categories like jewelry, electronics, or collectibles unless additional coverage is purchased. Documenting your possessions with photos, receipts, and inventories before a loss and retaining proof of ownership helps support claims for contents losses after damage or theft. When filing a contents claim, provide itemized lists, estimates or receipts for replacement, and documentation of depreciation if the insurer calculates actual cash value. If the loss is significant or involves high-value items, additional valuation documentation such as appraisals or specialized receipts may be necessary. Understanding the specific contents coverage in your policy and any endorsements that modify coverage will help you present a comprehensive claim for damaged or destroyed personal property.

How do replacement cost and actual cash value affect my settlement?

Actual cash value settlements account for depreciation by deducting the value lost due to age and wear, while replacement cost settlements aim to cover the expense of replacing damaged items with new ones without deduction for depreciation, subject to policy limits and conditions. If your policy offers replacement cost coverage, it may require you to repair or replace the damaged property before receiving the full replacement amount, or to submit additional documentation after repairs are completed. Knowing which valuation method applies affects your expectations for settlement and the documentation you must provide. When negotiating a claim, present contractor estimates, invoices, and photographic evidence to support a replacement cost position if the policy allows for it. If the insurer initially offers actual cash value, you can document the difference between replacement and depreciated values and request reconsideration or pursue contractual remedies provided by the policy or state law. Clear evidence of replacement expenses helps close the gap between insurer offers and reasonable costs of repair or replacement.

When should I consider appraisal or other dispute resolution clauses in my policy?

Many insurance policies include an appraisal clause or other dispute resolution measures that allow parties to resolve valuation disputes without full litigation. Consider invoking appraisal when the disagreement centers on the amount of loss and the policy expressly provides for appraisal as a binding or non-binding method to resolve valuation differences. Appraisal can be a cost-effective mechanism to reach an independent determination of value when parties cannot agree on repair or replacement costs, but parties should review the clause carefully for procedural requirements and potential limitations. Before electing appraisal, weigh whether the dispute is limited to value or involves threshold coverage questions or allegations of improper claims handling, since appraisal typically addresses only valuation and may not resolve coverage denial issues. If coverage interpretation is central to the dispute, pursuing other remedies concurrently or instead of appraisal may be necessary to preserve full rights under the policy and applicable law.

Can I get compensated for additional living expenses if my home is uninhabitable?

Many homeowners and commercial property policies include coverage for additional living expenses or loss of use when a dwelling becomes temporarily uninhabitable due to a covered loss. This coverage can reimburse reasonable and necessary increases in living expenses, such as temporary housing, meals, and storage, up to the policy limits and subject to the terms and conditions of the policy. To make a successful claim for these expenses, maintain receipts, invoices, and records that show the necessity and reasonableness of the costs incurred while repairs or rebuilding take place. Provide the insurer with documentation of displacement dates, rental invoices, and any related expenses and keep records showing that costs are beyond your normal living expenses. Timely notice and ongoing communication regarding the status of repairs and expected duration of displacement will help support claims for additional living expenses and ensure the insurer understands the scope of losses while your property is being restored.

Will emergency repairs affect my claim with the insurer?

Emergency repairs that prevent further damage, such as tarping a roof, boarding up windows, or shutting off water to limit leaks, are typically permitted and encouraged under most property insurance policies, provided the policyholder documents the repairs and retains receipts. Taking reasonable steps to mitigate damage helps prevent greater loss and demonstrates that you acted to reduce the insurer’s potential liability. Notify the insurer promptly about the emergency work and provide invoices and photographs to support reimbursement for reasonable mitigation expenses. Keep records of the emergency measures taken and any contractor estimates for permanent repairs, because insurers will want to distinguish between temporary mitigation and full restoration costs. Clear documentation helps the insurer process reimbursement for emergency measures and supports a claim for the total cost of restoring the property once permanent repairs are completed, subject to policy terms and limits.

How does bad faith handling by an insurer impact my rights?

Bad faith handling by an insurer involves unreasonable denial, delay, or failure to investigate a claim in a manner that breaches the insurer’s duties under the policy and applicable law. When an insurer engages in conduct that is unfair or deceptive, policyholders may have remedies beyond simply pursuing the contract claim, depending on the circumstances and governing state law. Allegations of bad faith typically require proof of the insurer’s conduct and the harm caused by that conduct, so careful documentation and legal analysis are necessary to evaluate such claims. If you believe your insurer has acted in bad faith, preserve all communications and records of the claim, and consider seeking legal advice to assess the strength of a bad faith claim and to identify proper procedural steps. Remedies can include recovery of the insurance benefits owed, consequential damages, and other penalties where permitted, but pursuing such claims requires timely action and thorough preparation to demonstrate the insurer’s improper handling and the resulting damages.

All Services in

Explore our complete legal services