After suffering a property loss, many business owners and homeowners discover that they are not in good hands. The playing field is not level and the policyholder is often overmatched. Insurance policies are specialized, technically complex, contracts that most people—including many lawyers—find difficult to understand. As a result, a policyholder who has suffered a loss, or had a claim made against them, finds themselves at the mercy of the claims adjuster, who may employ a variety of techniques to discourage, deflect, or deny the insurance claim. Many disappointed policyholders simply assume that what the adjuster has told them is correct, and do not consult an attorney experienced in insurance coverage who works for policyholders, rather than insurance companies. We advise policyholders in a wide variety of first-party insurance claims including property and casualty, automobile, and uninsured/underinsured motorist claims coverage.
Insurance policies also provide liability coverage (often called third-party coverage) which obligates the insurer to defend and indemnify the policyholder for claims made against them. Here again, the policyholder often needs an experienced attorney in their corner to make sure that the insurer defends and covers the claim as required by the policy. We advise policyholders as coverage counsel for liability claims against property owners (under both commercial property and homeowners’ insurance), businesses and contractors (under comprehensive general liability insurance), and professionals (under professional liability and errors and omissions coverage).
When necessary, we litigate both first-party and third-party insurance claims on behalf of policyholders to ensure that the insurance company honors its obligations. We are here to help.