Insurance Coverage Disputes

Is your insurance company failing to pay for your loss?

We all purchase insurance for our homes, property and health. This insurance is meant to protect us from losses to our property and medical expenses associated with accidents, catastrophes and personal injuries. Unfortunately, insurance companies often refuse to pay covered items or entire claims. Instead they argue over the value of the claim or site myriads of confusing policy provisions stating that the loss is not a covered event or that they are not obliged to fulfill their insuring obligations. If you experience a situation where an insurance company wrongfully refuses to pay, give the experienced insurance lawyers at Lea, Rhine & Rosbrugh, P.L.L.C. a call.

The battle over insurance coverage can involve confusing insurance policy language, complex legal arguments and great expense. Insurance coverage disputes often concern scope of coverage based upon broad language used in their policies, effective dates of coverage, type and extent of coverage purchased and modifying endorsements or riders. We break insurance coverage disputes down to manageable parts. Then we utilize our research and experience, and in some cases the best experts available, to position our clients to obtain a reasonable resolution of the dispute or to succeed at trial. Through this approach, we have successfully handled insurance coverage disputes under numerous types of policies including:

• Commercial General Liability Coverage
• GL 2294 Endorsement
• Umbrella Coverage
• Homeowners Policies
• Wind/Hail
• Flood
• Fire
• Automobile Polices
• Liability
• Underinsured Motorist Coverage (UIM)
• Uninsured Motorist Coverage (UM)
• Professional Liability Policies
• Errors and Omissions Polices
• Builder's Risk

In many instances, insurance coverage disputes concern:

• Scope of coverage. Insurance companies use broad language in their policies and often claim that the lack of specificity indicates that no coverage exists. We in turn, rely on a variety of case law and precedents that implied coverage also exists. Further, with respect to hurricane related claims, the issue often falls on a wind driven rain vs. flooding dispute. We utilize experts to help in these type cases.
• Effective Dates of Coverage. Often the insurance companies will claim that a loss was not protected by their policy because it was not in effect at the time of an accident. In order to combat these arguments, we will need to understand the totality of the circumstances involved in your loss.
• If the Insurance Company is relying on an endorsement or change in the policy, we look for evidence of the required receipt of a proper notice that the coverage has been changed. This is especially important with Underinsured Motorist Coverage (UIM) coverage. Also, we are fighting these battles on behalf of General Contractor's who are having their claims denied under an Commercial General Liability Policy (CGL), where a GL 2294 endorsement was included that removes the subcontractor restoring language to the "Your Work" exclusion.

Our attorneys are very experienced on this topic. Joel Rhine recently resolved one of the largest builder's risk insurance cases in the State. In addition, he is spearheading a group of attorneys and businesses to address the insurance debacle surrounding contractor Commercial General Liability disputes. Our attorneys routinely give lectures involving the most complex of insurance issues. We have the experience and abilities to successfully evaluate and litigate your insurance coverage dispute.

So if you are owed money on insurance claim, if your insurance company is giving you the run around or if you are just not sure if your claim is being handled fairly, call the attorneys at Lea, Rhine & Rosbrugh, P.L.L.C. at 910-772-9960 or toll free 866-772-9960 or submit an online questionnaire. The initial consultation is free of charge, and if we agree to handle your case, we will likely work on a contingency fee basis, which means we get paid for our services only if there is a monetary recovery of funds. A lawsuit must be filed before an applicable expiration date, so please call right away to ensure that you do not waive your right to possible compensation.