Property Insurance

Representing Insurers in Property Damage Claims

The attorneys in KDV’s Insurance Coverage and Litigation Practice counsel insurers on a wide range of commercial and personal lines claims arising from property policies. Our lawyers have decades of collective experience representing captive, regional, national and international insurance carriers in complex insurance coverage matters and disputes. We are well known throughout the insurance industry for our ability to develop creative and economically viable strategies that meet our clients’ legal and business objectives.

The lawyers in our practice represent insurers in a broad range of property damage coverage matters and disputes arising under commercial and personal lines policies, including:

• First-party insurance claims
• Business interruption and soft cost claims
• Builder’s risk claims
• Catastrophic losses related to hurricanes, tornadoes, earthquakes and other natural disasters
• Fire damage claims
• Flood damage claims
• Construction defect claims
• Fraudulent claims
• Bad faith claims

Comprehensive Insurance Coverage and Litigation Services

The lawyers in KDV’s Insurance Coverage and Litigation Practice advise insurers on all aspects of property damage coverage and litigation, from policy drafting, to coverage analysis, to the resolution of disputes in court and in arbitrations. Our lawyers have a full understanding of the insurance laws and the insurance industry and strive to deliver innovative and cost-effective counsel to our clients. We are also familiar with all types of insurance policy contracts and are highly skilled in interpreting complicated policy language and conditions.

When coverage issues and disputes involving property damage losses arise, our attorneys carefully assess the matter and advise insurers on their rights and obligations under all applicable insurance policies. Each Insurance Coverage Attorney at KDV has an advanced understanding of the complex terms and conditions associated with property insurance contacts. Our lawyers routinely prepare coverage opinion letters, outlining the potential risks and exposures associated with the claim, as well as all options that may be available to resolve the coverage dispute. We also regularly work with forensic accountants, engineers, investigators, construction consultants, and adjusters, in order to conduct a thorough coverage investigation. Our objective is to provide our insurer-clients with the most comprehensive coverage analysis and advise so that they can determine how to best respond to such first party losses.

The attorneys in our Insurance Coverage and Litigation Practice also represent national and regional insurance companies in property loss subrogation cases. We work closely with insurers to develop strong and creative legal strategies that maximize the recovery of funds paid out in property damage cases. While many of these cases are successfully resolved through the negotiation process, our lawyers are fully prepared to litigate subrogation cases in state and federal courts throughout the nation.

Beyond the resolution of coverage disputes, our attorneys also assist clients in drafting policy language. We work closely with underwriters to help create and modify the wording of property damage policies to keep pace with the ever-changing landscape of property damage claims and losses.