Commercial & Residential Insurance
With a significant focus on Plaintiff's Insurance Litigation, the attorneys at Peterson Zamat, LLC have the experience dealing with insurance companies in many different settings. As a former public adjuster, Attorney Peterson has the hands on experience of negotiating the scope of repairs while performing walk-throughs at damaged properties, having estimates prepared for personal property replacement and structural repairs as well as negotiating payments for Additional Living Expenses and Business Interruption. Attorney Peterson has a successful track record of compelling insurance carriers to accept coverage where coverage was originally denied. This skill comes from understanding what insurance companies should and more importantly, what they should not be doing.
Insurance companies often determine coverage based on an engineer’s report, prepared by an engineer they hire and pay. This can sometimes lead to biased reports whereby the engineer exceeds his or her authority and opines on topics not relevant to their expertise. For example, Peterson Zamat convinced an insurance carrier to reverse its denial of coverage by criticizing the engineer’s report and pointing out that most of the report involved the engineer assuming how certain people acted after a loss, rather than explaining why a specific device became damaged. Similarly, engineers may attempt to compare their findings to the policy language and make a policy decision, which is wholly inappropriate. Knowing when these types of situations occur and how to handle them can mean the difference between continued denial or coverage.
The experienced attorneys at Peterson Zamat stand prepared to turn our assessments of inappropriate insurance company actions into complaints and file suit, forcing each insurance company to answer to a higher authority.