Insurance Coverage
 

"Words used in an insurance policy are to be interpreted according to the plain meaning which a layman would ordinarily attach to them." Reserve Insurance Co. v. Pisciotta, 30 Cal.3d 800, 807 (1982). "The policy should be read as a layman would read it and not as it might be analyzed by an attorney or an insurance expert." Crane v. State Farm Fire & Cas. Co., 5 Cal.3d 112, 115, (1971).


Insureds and insurers no doubt wish that these words were true–that insurance policy language was so clear that it could be interpreted and understood by the average person. Unfortunately, policy language often is not so clear and an insurer’s obligations are complex and sometimes in conflict.

Insurance coverage law, even if technical, concerns nearly all businesses. For policyholders hit with a massive lawsuit or a substantial property loss, insurance coverage can be the difference between a success and bankruptcy. Our goals are to make the complex simple, to make mysterious language understandable, and to give our clients prompt, efficient, and, most important, correct advice. We specialize in the interpretation and application of all forms of insurance and in the litigation of insurance questions.

A large part of our practice involves representing insureds in the assertion of their rights under business package and property policies.  While we always endeavor to reach amicable meetings of the minds with insurers, we are not afraid to go to court and have substantial experience in such case, including actions alleging breach of the implied covenant of good faith and fair dealing (both first and third party) and violation of unfair claims practices statutes. 

We have been heavily involved in insurance disputes and suits over mold problems, including coverage for mold litigation, mold remediation measures, and coverage for mold claims under property policies, such as homeowners’ policies. We understand the liability and damage issues and protocols associated with mold and mold remediation, and we are conversant with the experts who actually design and carry out the work.

 
Return To Practice Areas
 
 
 
 

our firm | practice areas | attorney profiles | upcoming events | job opportunities | contact

© 2002-2009 SwansonLegal.com. All Rights Reserved | Legal Disclaimer

Site Design & Development By: Enterprise Digital Media