Fields Howell attorneys are skilled at developing and implementing litigation strategies in the aftermath of natural and man-made catastrophes to quickly assist our clients in responding to large, complex claims in a reasoned manner and implement a coordinated approach to address numerous claims in a consistent manner.
Following Hurricane Katrina, one of the most extensive natural disasters in U.S. history, Fields Howell served as monitoring counsel for multiple London market insurers. In this capacity, we assisted in the formulation of legal guidelines for compliance with claims handling requirements under Florida, Alabama, Mississippi, Louisiana, and Texas law. Following Superstorm Sandy, one of the most destructive and costly storms to hit the northeast region of the United States, we assisted our insurer clients in navigating the tolling of cancellation and non-renewal provisions, working with public adjusters, and developing legal guidelines for compliance with claims handling requirements under New York, New Jersey, Pennsylvania, Connecticut, Delaware, and Maryland law. We have successfully resolved, and we continue to defend, individual lawsuits involving complex losses on behalf of our insurer clients arising from both natural and man-made disasters.
Fields Howell attorneys are also well-versed in the myriad of coverage issues arising from catastrophic losses. We have advised our clients with respect to numerous coverage issues, including the enforceability of flood exclusions, named storm deductibles, anti-concurrent causation exclusions including wind damage versus water damage, the application of valued policy law, wind/hail complex accounting issues with respect to time-element claims, cause and origin analysis and guidance in large-scale arson and industrial disaster claims, and valuation issues regarding actual cash value and replacement costs for a broad array of property types.