Insurance Issues

Los Angeles Insurance Attorney

Businesses and individuals facing insurance coverage disputes in southern California are encouraged to contact Jerry L. Freedman, A Professional Corporation. Schedule a consultation regarding an insurance claim related to denial or delay in receipt of insurance benefits after a loss such as the following:

• Business interruption caused by collapsed roof
• Any loss (personal injury or financial loss) resulting from construction defects
• Injury to customers or bystanders due to violence or assault in a business setting
• Other injuries and losses occurring on business property

Our lawyers represent policyholders as well as insurance claimants in coverage disputes such as these. Complex factors often come into play when injured businesses or individuals seek compensation.

Indeed, insurance coverage questions permeate our practice areas at Jerry L. Freedman, A Professional Corporation, including business and commercial litigation, small- and medium-sized business issues, real estate litigation, construction defects litigation, homeowners' association litigation, and coin laundry legal issues.

As experienced attorneys who regularly handle complex insurance issues, we provide knowledgeable legal advice in both first-party and third-party conflicts. Whether our client is the business policy holder or someone who was injured on business property, questions that demand evaluation include the following:

• What kind of coverage is at issue?
• Where does liability lie in a given insurance coverage matter? Is there more than one source of liability and, if so, what differentiates between primary and secondary liability?
• Do stated policy exclusions apply (such as exclusion for flooding)?
• What types of events require payout up to policy limits?
• When is a loss incident a single event, and when should it be considered a collection of multiple events?
• When does an insurance coverage decision by an insurer fall into the category of "bad faith"?

There is a growing perception in law that an insurance contract is not an ordinary agreement, and that general principles of contract law are inadequate in protecting a consumer from the wrongful denial of insurance claims, or the failure of an insurer to provide other benefits provided by an insurance policy. In an effort to deter unconscionable and unfair claims practices, the State of California relies on contemporary tort law in imposing a duty on insurance companies to deal fairly and in good faith with policyholders.

Schedule a consultation to discuss an insurance issue with a Sherman Oaks, California, attorney well versed in insurance claims. Contact Jerry L. Freedman, A Professional Corporation.