What We Do Best

Practice Areas

We are here to assist

Property Damage
Insurance Coverage

When an individual or business owner suffers property damage and files a claim with their own insurance company, that insurer may deny coverage or otherwise fail to recognize their duty to provide prompt and good faith claims handling.

An insurer who fails to objectively evaluate a claim, misrepresents the law or terms of the policy, submits lowball estimates, uses dilatory or abusive claims practices and otherwise fails to recognize their duty of good faith and fair dealing, may be held liable for its bad faith conduct.

We limit our representation in insurance disputes to policyholders. We do not accept assignments from insurance companies.

In the event you suffer property damage as the result of the negligence or legal fault of someone else, our firm also has extensive experience bringing claims directly against the responsible parties. If you don’t have insurance coverage, or if your insurance coverage is insufficient to compensate you for your losses, a direct action against the party responsible may provide you with the needed compensation to make you whole. In order to ensure that all evidence is preserved and key witnesses are located, it is important for you to promptly retain trial counsel experienced in evaluating both the cause and amount of damage suffered as soon as possible.


Liability insurance protects individuals and businesses when faced with a lawsuit arising from another’s injury or damaged property. Liability insurance covers not only the amount of any judgment entered against an insured should they be held liable, but also pays for the costs associated with defending the lawsuit. These costs include attorneys’ fees, experts and other expenses associated with your defense.

Often, your insurance company, when defending you in a claim made by others, may issue a “reservation of rights” letter. This letter typically advises you to obtain your own counsel as the insurance company will initially provide a defense,but reserves the right to withdraw a defense at a later date or not pay some or all of a judgment ultimately entered against you. In these situations it is important to hire your own attorney. The lawyer assigned by the insurance company represents you in the lawsuit filed against you, but not in any potential dispute with your insurance company over the benefits you are entitled to receive.

Liability insurance claims involve unique coverage issues and impose upon the insurer a fiduciary duty to protect the insured’s interests. Our firm has extensive experience in successfully presenting and litigating liability coverage claims, for both individuals and businesses, to ensure our clients get the protection they purchased. Once a claim is accepted, and the insurance company begins providing a defense, our firm stays actively involved in your case to ensure that they are protecting your interests, rather than their own.

As soon as you learn of a claim that may be brought against you or your business it is crucial to notify your insurance company. If you are faced with a lawsuit and have questions concerning your liability insurance coverage, or how your insurance company is handling your claim, please do not hesitate to contact us for a free consultation.

Bad Faith

All insurance contracts contain an implied covenant of good faith and fair dealing. In 1990, the Pennsylvania Legislature codified that covenant by enacting 42 Pa. C.S.A. § 8371, which provides as follows:
In an action arising under an insurance policy, if the court finds that the insurer has acted in bad faith towards the insured, the court may take all of the following actions:

  1. Award interest on the amount of the claim from the date the claim was made by the insured in an amount equal to the prime rate of interest plus three percent.
  2. Award punitive damages against the insurer.
  3. Assess court costs and attorney’s fees against the insurer.

The purpose of insurance is to provide a financial safety net to assist you, your family, or your business after a tragic event. We all purchase insurance for peace of mind and to provide help in the event of a tragedy. Unfortunately, sometimes insurers become the tragedy instead of the help. That’s when § 8371 provides much needed help to the insured, both as a deterrent and a remedy.

A “bad faith” claim is a lawsuit against an insurance company for wrongful conduct that rises above a mere mistake in judgment. Conduct that may give rise to a bad faith claim includes: low-ball estimates, dilatory or abusive claims handling, deliberately misstating the law or policy, failing to provide detailed reasons based upon the facts, the law and the policy for the denial of a claim or the offer of the compromised settlement, ignoring the Pennsylvania Unfair Insurance Practices Act and the Pennsylvania Unfair Claims Settlement Practice Regulations, failing to conduct a reasonable investigation; misrepresenting benefits and/or misleading an insured and otherwise acting inconsistently with their statutory and contractual obligation of good faith and fair dealing.

A “bad faith” claim allows you to recover, not just the benefits owed to you under your insurance policy, but also extra contractual damages such as interest, attorneys’ fees, and punitive damages.

Our firm has extensive experience in bringing claims against insurance companies for their bad faith conduct.


For over 40 years, we have represented those who have suffered serious injuries or death caused by the negligence of others. Our experience in representing personal injury and wrongful death claims include:

  •     Fire
  •     Automobile accidents
  •     Trip/Slip and falls
  •     Work site accidents
  •     Premises liability
  •     Defective products

People who have suffered serious injury, or who have lost a family member due to the negligence of another or a defective product, are entitled to fair and just compensation. Obtaining competent, trusted counsel as soon as possible after the incident is crucial. Insurance companies have their investigators immediately on the scene of accidents, gathering and examining evidence, interviewing witnesses and working to protect the rights of the negligent. The victim of negligence needs to make sure someone investigates and advocates on their behalf.

We have extensive experience in the negotiation, settlement and trial of serious personal injury and wrongful death cases.  Our firm works aggressively to ensure clients injured by the negligence of others receive full and fair compensation for medical bills, disability, lost wages, and pain and suffering.

If you have been injured through the fault of another or a defective product, please feel free to contact us. As always, there is no charge for an initial consultation.

Broker/Agent Malpractice

Insurance agents have an obligation to follow your instructions and provide you with accurate information about the policies of insurance they sell. Insurance agents may breach these obligations when they:

  •     Fail to obtain requested coverage or coverage limits
  •     Recommend improper coverage or coverage limits
  •     Fail to bind coverage as instructed or promised
  •     Misrepresent information about the coverage or coverage limits sold

Our firm represents our clients in cases such as these, seeking to recover the benefits they would have received if proper coverage had been in place.

If you believe your denied claim is due to agent malpractice, please feel free to call us for a free consultation.


We have represented a wide spectrum of businesses and individuals in commercial disputes.  We vigorously defend and prosecute cases involving:

  •     Contract Disputes
  •     Breach of Contract/Warranty Claims
  •     Purchase and sale of companies
  •     Improper use of trade secrets and confidential, proprietary information
  •     Partnership Disagreements