Case Examples

These are just a small cross-section of a few of our verdicts and settlements in claims where we represented Policyholders against their insurance companies. In addition to the cases listed below, we have successfully litigated literally thousands of insurance claims on behalf of Policyholders.

We obtained coverage and recovery under client’s State Farm PIP insurance policy for medical bills for temperomandibular joint dysfunction (TMJ). State Farm claimed at trial that the TMJ was not caused by the crash. We were able to exclude testimony from State Farm that the accident was not severe enough to cause injury. The jury was returned a verdict in 17 minutes, and found in our client’s favor. State Farm was required to pay all of our attorney’s fees and costs. The verdict resulted in the largest known attorneys’ fee in a single PIP case in the State of Florida.

We obtained coverage and recovery under client’s State Farm PIP insurance policy for medical bills for chiropractic treatment. State Farm was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under client’s Progressive PIP insurance policy for medical bills for chiropractic treatment. Progressive was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under client’s Allstate PIP insurance policy for medical bills for chiropractic treatment. Allstate was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under client's State Farm homeowners insurance policy for damage to home and personal property after police destroyed home with bullets and tear gas. State Farm was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under client's Progressive homeowners insurance policy for water damage to home due to broken clothes washing machine water hose. Progressive was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under client’s homeowners insurance policy for lightning strike damage to entire electrical system in the home. The insurer was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under homeowners insurance policy where insurer was claiming arson. The insurer was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery for entire policy limits for dwelling coverage under homeowners insurance policy where insurer first failed to pay for hail damage to roof. The water leak in the roof led to total loss of the home due to mold infestation.

We obtained coverage and a new roof under client’s homeowners insurance policy for hail damage to roof. Insurer denied the claim saying that there was no roof damage. We proved that loss of granuals from shingles due to hail was sufficient to warrant replacement of the roof. The loss of the granuals shortened the life expectancy of the roof and constituted “damage” under the policy. The insurer was required to pay all of our attorney’s fees and costs.

We obtained coverage and new roof under client’s homeowners insurance policy for hail damage to roof. Insurer denied the claim saying that damage was due to poor installation. We proved that the damage was due to hail by use of a forensic meteorologist, and roofing consultant. The insurer was required to pay all of our attorney’s fees and costs.

We obtained coverage and new roof under client’s homeowners insurance policy for wind damage to cedar shake roof. The insurer denied the claim saying that damage was due to poor installation, and improper maintenance. At trial we utilized the services of a forensic meteorologist, and roofing consultant to prove that the roof damage was a covered loss. The jury was out for 20 minutes and returned a verdict in our client’s favor. The insurer was required to pay all of our attorney’s fees and costs.

We obtained coverage and new roof under client’s homeowners insurance policy for hail damage to roof. The insurer denied the claim saying that damage was due to wear and tear. We proved that the damage was due to hail by use of a forensic meteorologist, and roofing consultant. The insurer was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under client’s business owners insurance policy for theft of stamps, and vandalism to business. The insurer was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under client’s business owners insurance policy for vandalism to tractors and bulldozers.

One of our clients, a car dealership, was sued when one of its drivers killed a person in a car accident. The car dealership’s insurance company refused to cover the loss. We successfully sued the insurance company on behalf of the car dealership under our client’s business owners insurance policy. Although the insurance company said that the wrongful death claim was not covered, we proved that the claim was covered under several sections of the policy. The insurer was required to pay all of our attorney’s fees and costs.

We obtained coverage and recovery under restaurant’s business owners insurance policy for loss of food and wine due to loss of refrigeration. We recovered loss of business income also. The insurer was required to pay all of our attorney’s fees and costs.

Victorious in ERISA long term disability claim against NFL Players Benefits to obtain long term disability benefits for former NFL great Leroy Jones.

Victorious in ERISA long term disability claim against Delta Air Lines Family Benefit Plan to obtain long term disability benefits for former baggage handler.

Victorious in ERISA long term disability claim against Universal Studios Employee Benefit Plan to obtain long term disability benefits for former stunt man.

We obtained ERISA long term disability benefits for individual suffering from Bipolar Disorder from Life Insurance Company of North America ("LINA").

We obtained ERISA long term disability benefits for individual suffering from Lupus from Hartford Life and Accident Insurance Company.

We obtained ERISA long term disability coverage for individual suffering from Meniere’s disease from BellSouth Long Term Disability Plan.

We obtained long term care coverage from Penn Treaty Life Insurance Company for 97 year old nursing home resident which had been improperly denied.

We obtained corporate stock options from Lockheed Martin which were not due to vest until one year after issuance.

We obtained ERISA long term disability benefits for individual suffering from COPD from Hartford Life Insurance Company.

We obtained ERISA long term disability from Prudential Insurance Company of America for individual suffering from lumbar disc herniation.

We obtained medical benefits for alleged experimental procedure under health insurance plan.

We forced a health insurer to pay for a heart pump. Insurer claimed the procedure was experimental and an “off-label use.”

We obtained ERISA long term disability benefits from Fortis Benefits Insurance Company for a client with fibromyalgia.

We obtained ERISA long term disability benefits from Jefferson Pilot Financial Insurance Company for a client with post traumatic stress disorder.

We obtained health insurance benefits from United Healthcare for implantation of Charite Artificial Disc which were denied based on the procedure being experimental, investigational or unproven.

We obtained life insurance benefits from Prudential Insurance Company of America payable as a result of an automobile accident which were improperly denied based on the insured's alleged intoxication.

We have handled several hundred cases where we have obtained full value of client’s car from insurers under “Collision Coverage” when insurer was not offering enough for total loss. In most cases, the insurer was required to pay our fees and costs.

We obtained double indemnity accidental life insurance benefits payable as a result of a work site accident. The insurance company denied the claim because drugs and alcohol were found in the man’s system, but the insurance company was unable to prove that the drugs and alcohol contributed to the accident.

We obtained recovery for our client under their homeowners insurance policy for hurricane damage to their roof.

We obtained recovery for our client under their homeowners insurance policy for hurricane damage to their boat dock.

We obtained recovery for our client under their homeowners insurance policy for hurricane damage to their screen enclosure.

We obtained recovery for our client under their business owners insurance policy for hurricane damage to their hotel, including business interruption losses.

We obtained recovery for our client under their business owners insurance policy for hurricane damage to their theater, including business interruption losses.

We obtained recovery for our client under their homeowners insurance policy for sinkhole damage to their home. Insurance company first said there was no damage to the home. We were able to show damage to the foundation, and that the soil under the home had to be “stabilized.”

We obtained recovery for our client under their homeowners insurance policy for sinkhole damage to their home. Insurance company first said that damage was due to the house “settling.” We were able to prove that the damage was actually from a sinkhole, and not from settling.

We represented a client who loaned his car to a friend who subsequently caused an accident that damaged another vehicle. Nationwide Insurance Company refused to pay for the damage to the other vehicle because the friend refused to cooperate with Nationwide's investigation of the claim, and failed to give a sworn statement. After two years of litigation, Nationwide conceded and paid the claim.

We obtained coverage and recovery under client’s State Farm homeowners insurance coverage for damage to home and personal property after defective pipes broke and flooded home. State Farm was required to pay attorneys fees.

We obtained coverage and policy limits recovery under Standard Flood Insurance Program following Hurricane Jeanne in 2004. This is said to be the largest recorded recovery under the Standard Flood Insurance Program.

We forced settlement in multimillion dollar construction dispute for major architectural firm after comprehensive general liability insurance company persistently refused to accept settlement offers within policy limits.

Defended construction subcontractor in suit for declaration, obtained coverage and forced settlement of underlying multimillion dollar dispute and became entitled to recovery of attorneys fees.

We defended insured under Allstate personal automobile insurance policy after Allstate refused to defend, obtained defense verdict and then recovered costs and attorneys fees from Allstate and Allstate agents.

We sued insurance agent and settled following hurricane loss when agent failed to obtain promised coverage.

We recovered loss of value of recent model Lexus that sustained frame damage and was subsequently repaired from Liberty Mutual Insurance Company.

We obtained favorable settlement from force placed insurer that denied all responsibility to commercial property owner and claimed that policy only applied to bank - mortgagee.

We successfully represented a woman against Citizen's Insurance Company when Citizens denied her hurricane claim because they alleged that her policy had been cancelled for non-payment. Citizens Insurance had failed to properly notify the woman and was made to pay for all the repairs to the home, even though she had been reimbursed her premium amount.

We successfully represented a gentleman whose car was stolen and rendered a total loss when the insurance company alleged that the policy had been cancelled before the theft for non-payment of premium. We proved that the insurance company mailed the notice of cancellation to the wrong address, and the insurance company was forced to cover the loss.