Disclaimer Challenges
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Insurance companies frequently attempt to deny coverage by issuing disclaimers that cite specific policy exclusions, conditions, or alleged violations of policy terms.
At Smiley & Smiley, LLP, we have extensive experience challenging these unfair denials. We meticulously analyze the language and intent of your insurance policy to pinpoint weaknesses in the insurer’s position and uncover instances of bad faith practices.
Our firm aggressively advocates on behalf of both individual policyholders and businesses facing wrongful coverage denials.
Examples include scenarios such as an insurer denying coverage due to purported late reporting of a claim, ambiguous policy exclusions improperly applied to your situation, or disputes regarding the scope of policy provisions. We routinely handle complex claims involving property damage, business interruption losses, environmental liabilities, personal injury claims, and construction-related disputes such as wrongful disclaimers involving construction defect claims, subcontractor negligence, and improperly cited exclusions related to faulty workmanship.
Our attorneys employ a strategic approach, leveraging relevant case law, regulatory standards, and expert testimony to build a compelling case for coverage.
We actively negotiate with insurers, but we are always prepared to litigate vigorously if necessary. Our thorough preparation and reputation for relentless advocacy have consistently resulted in successful outcomes, securing rightful coverage and fair compensation for our clients.
If you find yourself confronted with an insurer’s unjust disclaimer, we will help protect your rights, pursuing all necessary legal remedies to ensure you receive the coverage and compensation to which you are entitled
Ready to Take the Next Steps?
Smiley & Smiley, LLP, provides free initial consultations and we are available 24 hours a day, seven days a week to our clients. Our office is conveniently located at 28 Liberty Street, 6th Floor, New York, NY 10005. Our staff includes speakers of Spanish and Haitian Creole.