Insurance Coverage Dispute Attorneys

Overview

Insurance coverage is a mandatory requirement for any legitimate construction business, from CGL to workers compensation insurance. These policies all have certain acts that are covered by insurance and acts that are not covered by insurance, and if committed may result in the barring of financial recovery from the insured. The line between covered and liable can be easily crossed depending upon type of insurance coverage as well as the insured’s actions.

The insurance coverage dispute attorneys at Flores Ryan, LLP have expertise in every aspect of insurance coverage requirements, procedures, and claims. We provide the legal expertise to ensure that insurance coverage disputes are properly prepared and filed. Our extensive experience as insurance coverage dispute attorneys allows us to advance coverage dispute claims strategically to maximize the likelihood of a rapid and substantial recovery.

ARTICLES

KEY POINTS

CGL insurance typically provides both defense and indemnity benefits, and, as a result, insurers issuing this form of insurance are obligated to retain the attorneys and consultants necessary to defend the defendants.
Under a Design-Build Professional Liability Policy coverage for damage to the real or personal property of the insured is usually excluded, also coverage for faulty workmanship, at least the cost of repairing or replacing the defective work itself, is typically excluded unless otherwise stated.
In 1973, the commercial general liability (CGL) policy narrowed it's definition of property damage to require "physical injury to tangible property." With that being said, the majority of courts now hold that the addition of the word "physical" eliminates coverage for economic damages, such as diminution in value. "Tangible property" refers to things that can be touched, seen, and smelled.
The basic insuring agreement provides coverage for bodily injury, which is commonly defined as "bodily injury, disease, or sickness sustained by a person." Claims for emotional distress may also fall within the definition of bodily injury if they involve resulting physical injury.

FORMS

Below you can generate the following forms that are applicable to mechanics liens: