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Practices

FIRST-PARTY PROPERTY

Unexpected claims often involve complex challenges that require specialized counsel in various facets of first-party property coverage. Litchfield Cavo’s coverage attorneys are admitted to practice throughout the United States and advise insurers throughout the nation on the broad scope of necessary coverages enabling them to effectively navigate the legal landscape presented in complex and novel claims.

Litchfield Cavo’s coverage attorneys are aware of possible misrepresentations on policy applications and have developed strategies to avoid exaggerated claim valuations. During the investigative phase of a claim, our attorneys ensure claims are thoroughly and properly scrutinized in accordance with all applicable statutes and regulations. This includes conducting examinations under oath, interviewing witnesses and analyzing coverage policies. If a disagreement arises over coverage determination our attorneys vigorously defend the insurer’s action while seeking the best possible economic outcome through litigation, arbitration and participation in the appraisal process in connection with first-party claims.

First-Party Property Representative Matters

Several of Litchfield Cavo’s coverage attorneys have experience and insight from working as in-house insurance counsel and use their representative experience to exceed clients’ expectations. Our attorneys represent carriers in a wide array of first-party residential and commercial property coverage and litigation matters, including claims related to:

  • Builder’s risk
  • Business interruption
  • Commercial
  • Condominium associations
  • Crime
  • Equipment
  • Fire damage
  • Loss of income
  • Marine
  • Mold and fungi
  • Motor vehicle
  • Sinkhole
  • Warehouse
  • Water

Our First-Party Property Record

  • Successfully defended insurer defendants in suits for business income interruption coverage arising from COVID-19 claims in state and federal courts throughout the country.
  • Obtained summary judgment and favorable state appellate rulings relating to trigger of coverage for wrongful incarceration cases, overruling adverse federal decisions and avoiding multimillion dollar exposure.
  • Defense of insurance company against bad faith claims for not “splitting” a file, notwithstanding the insurer’s unreserved acceptance of the tender of defense.
  • Succeeded in labor contract negotiations by obtaining concessions from labor union requiring employee contributions towards health insurance premiums while maintaining a wage freeze.
  • Counseled an insurer client regarding the handling of numerous individual claims, as well as lawsuits, concerning first-party insurance coverage for crumbling foundation matters and obtained favorable resolutions of the subject matters.
  • Advised insurer clients regarding the handling of first- and third-party matters arising out of hurricanes in the northeast and analyzed coverage, as well as extra-contractual issues, for claims relating to the subject storms.
  • Successfully defended insurer clients respecting coverage for municipal liability for civil rights claims for wrongful arrest and malicious prosecution.