Post-Loss Liability Assessments
Our Principal, Mr. Gaddis, has extensive experience with both the business and legal aspects of insurance. He is uniquely qualified to assess post-loss claims to to determine whether not industry professionals fulfilled their obligation to policyholders and that policyholders in turn reasonably handled their responsibilities and communications with the insurance company. In his capacity as an attorney as expert witness, he has evaluated numerous types of claims, including:
Post-Loss Policy Language Assessments
In policies whose wording is deemed ambiguous, in most jurisdictions means that the language relevant to the claim reasonably has two or more interpretations, the policyholder generally has an advantage over the insurer.
Any policy and their endorsement(s) can be written with language that forms a cloud as to the meaning of the relevant insurance policy terms. In most jurisdictions, this is true whether the policy is a form policy approved by a governmental body, or it is a manuscript policy issued by the insurer that does require a governmental body's approval. And, this is particularly true when the policy is complex commercial insurance.
As part of his insurance consulting services, Mr. Gaddis applies his decades of experience in determining whether the wording of a policy's terms and conditions cause two or more reasonable interpretations.