Coverage Opinions
A coverage opinion is an attorney’s opinion about whether a particular occurrence is legally covered by a given insurance policy. Insurance coverage can sometimes be challenging to understand, and as a result, a number of questions can arise regarding how an insurance policy fits the nuances of a particular situation. A clear understanding of these unique scenarios and their laws requires an attorney with experience and specialization in providing coverage opinions. Some of the areas of coverage that we have analyzed include claims made and occurrence form interpretations, whether a person is a resident of a household, whether an occurrence triggers coverage and a defense, what defines a family member, how insurance coverage works when the occurrence happens in another state, what continuous harm is, whether there is a collapse and if there is a reasonable basis to deny the claim.