Insurance Claims

Generally, a policyholder has an obligation to timely present to an insurer and also support any claim he or she may have under an insurance policy, whereas an insurer typically has an obligation to reasonably, fairly and in good faith investigate and respond to claims presented to the insurer. Insurance policies are contracts that contain multiple interlocking and often contingent terms and conditions that can be difficult to interpret under a wide variety of relevant circumstances. In many situations, courts may have interpreted policy language different from how policyholders or insurers may interpret such policy language, often to the benefit of a policyholder. An experienced and knowledgeable attorney can provide assistance and support with respect to the interpretation of policies and representation of your interests in the context of the circumstances at issue, consistent with policy terms and conditions and applicable statutes and court decisions.

Among other issues, time limitations and obligations to provide proofs of loss can be applicable to policyholder property damage claims. These will need to be complied with to support your claim and minimize the possibility of a substantial reduction in or even loss of your potential insurance rights. We know how to negotiate for a favorable settlement agreement while simultaneously preparing for an aggressive court presentation, if litigation proves to be necessary to represent and establish your insurance rights and interests. Since 1980, attorney Rynning has been involved in the analysis and potential resolution of a wide variety of insurance-related claims and disputes, including:

  • General Liability - Bodily injury, property damage, personal injury and advertising injury
  • Property damage
  • Homeowner's - Dwelling and Personal Property and Liability Insurance Personal injury and bodily injury
  • Automobile - Property Coverage and Liability Insurance
  • Trucking - Property Coverage and Liability Insurance
  • Online Ride-Sharing Insurance Issues
  • Business Owners and Commercial Insurance
  • Landlord/Tenant
  • Health Insurance
  • Products liability
  • Professional liability
  • Premises liability
  • Defamation (libel and slander)
  • Environmental contamination and Pollution claims
  • Toxic exposure, including asbestos, lead and chemicals
  • Construction Claims
  • Employment Practices Litigation Liability Insurance
  • Employer's Liability Insurance
  • Life Insurance
  • Disability Insurance
  • Long Term Care Insurance

We will commence our investigation with a thorough review of your insurance contract and all available information or documentation reflecting the specific circumstances of your claim and potential damages, assessing the strengths and weaknesses of your claim. To prepare for your first meeting with us, we request that you bring extra copies of your policy, along with any reports, correspondence and e-mails you have received or sent, damage estimates, invoices or billing statements, relevant photographs and any other documentation or information you believe will be important to evaluating your claim and determining whether retaining an attorney to assist you will be productive.

We Offer You Our Personal Attention And Honest Opinions

If you are a policyholder and we agree that you have a viable claim based on a reasonable interpretation of your policy, we may recommend pursuing your claim against the insurance company with an attorney representing your interests to encourage a fair, reasonable and realistic settlement. If an appropriate settlement does not appear to be forthcoming the pursuit of litigation may be recommended to challenge what could be found by a court or jury to constitute a bad faith denial of coverage or an improper claims practice. Sometimes, the involvement of an attorney to support your rights can have an influential and persuasive impact with respect to encouraging a fair and reasonable resolution of disputed issues without the commencement and pursuit of litigation.

Of course, there may also be instances where an insurer has a justifiable position under the circumstances at issue, based on policy language and relevant and applicable law. For this reason, analysis of policyholder claims will not necessarily result in recommendations to pursue questionable claims. Similarly, analysis of insurer positions will not necessarily result in recommendations to deny or limit policyholder claims on questionable grounds. Our clients have included both individuals and companies and a practical, no-nonsense approach is applied to maintain credible positions and prospects for favorable resolution of disputed issues that can be raised by a wide variety of insurance claims.

If you need assistance with the interpretation of your insurance policy rights in the context of particular claims and the development and pursuit of a plan to potentially support and represent your interests under an insurance policy, contact us for a free initial consultation about your legal issues and concerns, to determine whether Mr. Rynning can assist you and to confirm the potential terms of an attorney retention agreement. You can call our Wheaton office at 630-682-9500 or  contact us online.