First Party Coverage

Stewart Smith attorneys handle first party property damage and business interruption claims throughout the country. We counsel our clients during the investigation and adjudication of first party claims and efficiently litigate disputed claims in a broad array of first party disputes with potential exposure of amounts up to $1 billion. Stewart Smith attorneys have successfully represented a variety of clients in every recent catastrophe impacting the property insurance industry, including serving as National Coordinating Counsel for a major U.S. insurer in connection with first-party mold claims. We have effectively counseled clients concerning environmental losses, industrial sabotage, mold issues, and claims arising from natural disasters including particularly devastating hurricane seasons over the last 15 years. With extensive experience assisting clients in their investigations, adjudications, and defense of claims, we work closely with our clients to provide legal counsel regarding the development and implementation of policy provisions.

Whether and the extent to which an insurance policy responds to a claim for physical damage or time element losses are often fundamental questions presented by every loss notice tendered to a first party property insurer. Although some issues are straightforward, many are complex and nuanced. The depth and breadth of Stewart Smith’s experienced attorneys are particularly suited to assist examiners, adjusters, and senior management navigate their way through claim investigation and adjudication. Where circumstances warrant, we conduct examinations under oath and participate in appraisals, arbitrations, mediations, negotiations, and other alternative dispute resolution procedures. Our first party expertise and unparalleled litigation track record has been highlighted in Best’s Review, Business Insurance, CPCU Journals, and several other industry publications. Stewart Smith attorneys are available to assist you in evaluating and handling first party issues from the moment a claim is made, through litigation and appeals, to final resolution.

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