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Insurance Coverage Law

The claims facing insurance companies are as varied as the risks they insure. Our Insurance Coverage Group—which consists of attorneys licensed in Illinois, Indiana, and Missouri—is experienced in assisting insurers against these claims throughout the claims process. Even before a claim arises, we keep insurers updated with new developments in state law and help them adapt their policy language to reflect those developments. We provide guidance in handling claims, evaluating the insurer’s options, and assisting in responding to tenders, demands, and coverage arguments. When practical, we work with the insurer to reach a favorable settlement without the need for litigation. If litigation becomes necessary, we vigorously represent the insurer in federal and state trial and appellate courts. We also defend insurers against allegations of bad faith in both first- and third-party claims.

First-Party Coverage

Our Insurance Coverage Group defends insurance companies in disputes with their insureds. We evaluate coverage and determine the insurer’s rights and obligations in response to a claim asserted against it by its insured. Our team actively defends insurance companies against uncovered claims from the time a claim is made through the course of litigation and trial, including claims involving:

  • bad faith
  • business interruption losses
  • complex commercial and personal lines property coverage
  • fire and explosion cases
  • hail damage and collapse
  • uninsured and underinsured motorist coverage

Third-Party Coverage

Throughout the claims process, our team provides prompt and thorough evaluations of an insurance company’s rights and obligations in response to claims against its insureds. We work with the insurers to adopt practical and effective strategies when responding to and litigating third-party coverage claims, including:

  • analyzing an insurer’s duties to defend or indemnify its insured and assisting it in properly reserving its rights or effectively declining coverage
  • evaluating settlement and policy-limit demands and protecting the insured and the insurer in responding to them
  • recommending when to file declaratory judgment actions and litigating coverage issues on behalf of insurers
  • protecting insurers against allegations of bad faith concerning claims handling, coverage decisions, and settlement demands

Insurance Fraud

Our Insurance Coverage Practice Group is well versed in the constantly evolving area of insurance fraud, including fraud in individual claims as well as those perpetrated as an organized enterprise by multiple players. In addition to defending insurance companies against fraud, we train claims departments and insurance organizations across the country on how to identify and defeat insurance fraud in all its forms. When a claim involving insurance fraud arises, our Insurance Coverage attorneys:

  • represent the largest insurers in multiple jurisdictions in the investigation and defense of all manner of insurance fraud, including staged and caused losses, organized activity, and medical fraud
  • defend national insurers and their insureds against all forms of property insurance fraud cases (e.g., arsons, staged burglaries, suspect vehicle thefts) at the claims stage as well as in litigation through trial
  • maintain an active, multi-jurisdiction trial practice involving cases in which claimants and medical providers have committed fraud
  • obtain civil recoveries against perpetrators of fraud on behalf of our insurer clients and their insureds

 

HeplerBroom LLC COVID-19 Response

HeplerBroom has been diligently working on its response and continuity plan to the COVID-19 pandemic in order to keep the health and safety of our employees, their families, and our clients as our top priority.

To help ensure everyone’s continued health and well-being, effective March 17, 2020, all attorneys and staff began working remotely. We continue to assess the situation and will return to our physical offices when appropriate.

To ensure this, the firm has identified essential personnel in each office who will make certain that critical firm functions that cannot be done remotely continue to be handled. We have put in place protocol for those essential personnel to make sure they are keeping healthy per the CDC cleaning and sanitizing recommendations. All teams have back-up personnel and procedures that we will follow to make sure all deadlines are met and clients receive the same great service and work product that we have always been proud to provide.

HeplerBroom’s IT department has been working hard to make sure all remote employees are set up with equipment and access from home to limit disruption to our clients. Maintaining security and confidentiality has remained, and will continue to remain, at the forefront of all processes and procedures, at all levels throughout the firm.

The firm has created emergency communication measures to communicate any changes to this plan to employees and are communicating on a regular basis with any and all new resources and helpful information during this uncertain time.

During these fluid and unpredictable times, HeplerBroom will continue its commitment to great service and results for our clients, all while keeping safe and healthy.

Wishing you and your families good health.