Insurance Claim Attorneys
Overview
Insurance claims, whether they’re first party or third party claims, may arise in any field of the construction industry. Insurance policies are intended to financially protect and compensate those who have experienced some sort of the following coverage triggers such as: bodily injury, property damage, personal injury, wrongful acts, plus more not listed here. Insurance coverage may vary based on the type of work the insured does and the risk it poses.
The insurance claim attorneys at Flores Ryan, LLP have expertise in every aspect of insurance claim requirements, deadlines, and strategies. We provide the legal expertise to ensure that insurance claims are properly prepared and filed. Our extensive experience as insurance claim attorneys allows us to advance insurance claims strategically to maximize the likelihood of a rapid and substantial recovery.
ARTICLES
CSLB Citations
Getting back to the basics of how a CSLB Citation works, this article will provide an overview of what every contractor should know.
What you need to know about CSLB complaints
This article covers the process of complaints and citations issued from the CSLB
CSLB Arbitration: Will It Work For Me?
Contractors can learn the specifics of what CSLB mandatory & voluntary arbitration is and the criteria required in order to participate in such arbitrations.
Maintaining a California contractors license in good standing
This article will cover the elements all contractors must pay attention to in order to ensure that their contractors license is properly maintained.
KEY POINTS
- Commercial general liability, or (CGL) insurance, is insurance that protects the insured against third party liability claims, and is involved in virtually every building defect claim.
- A consolidated insurance program (CIP) policy is one in which one party procures insurance on behalf of all or most of the parties performing work on a project or a site. The typical CIP policy usually includes builders' risk, CGL, workers' compensation/employers' liability, and excess/umbrella coverage.
- The insuring agreement of a commercial general liability (CGL) policy requires that property damage or bodily injury be caused by an "occurrence," which is typically defined as an "accident, including continuous or repeated exposure to substantially the same general harmful conditions."
- ISO forms issued post-1999 include a "Known Injury or Damage" endorsement clause that precludes coverage for continuous bodily injury or property damage if an insured was aware that the injury or damage had begun to occur before the policy period.
- The California Supreme Court adopted the continuous trigger theory for continuous or progressive damage. Under this theory, bodily injury or property damage that is continuous or progressively deteriorating throughout successive policy periods is potentially covered by all CGL policies in effect during those periods.
FORMS
Below you can generate the following forms that are applicable to citations: