Carlock, Copeland & Stair, LLP, a civil litigation firm with offices in Atlanta, Georgia, Charleston, South Carolina, and Chattanooga, Tennessee has provided counsel on insurance coverage issues since its inception over four decades ago. Our involvement in this area of law continues through today’s increasingly complex, high stakes legal challenges for the insurance industry. Throughout our history, Carlock Copeland has had a front row view of the evolution of insurance coverage and bad faith litigation, and as a result we are recognized as a regional leader in this field. Our attorneys are dedicated to keeping abreast of the ever-evolving legal landscape and are committed to assisting the insurance industry in managing its risks by effectively and efficiently guiding insurers through third party, property, arson and fraud, and bad faith coverage matters.

Our insurance coverage and bad faith litigation attorneys employ a collaborative approach along with useful aspects of technology to share information. While focusing their practice on insurance coverage and bad faith litigation matters, we are actively engaged in the defense of liability matters and have an appreciation for the complexity of issues confronting insurers.

Through this blog, Carlock Copeland shares its knowledge and experience in order to benefit the insurance industry.

Third Party Insurance Coverage Disputes:

Whether involving primary CGL, homeowners or auto insurance policies, or professional, employment, health and disability access and umbrella policies, Carlock Copeland assists insurers in successfully navigating coverage disputes. We carefully evaluate coverage positions, devise cost-effective resolution strategies, through issuance of opinion letters, reservation of rights letters, non-waiver agreements and denial letters, or filing and defending declaratory judgment actions, as well as negotiating resolutions involving complex coverage triggers and allocation issues.

Bad Faith Litigation:

Bad faith or extra-contractual litigation has grown into a specialization within the plaintiff’s bar, and we are prepared for the challenges of this high-stakes litigation. When coverage decisions and third party claims handling result in bad faith litigation, we are uniquely qualified in handling these matters, are sensitive to the nature of such claims, and can promptly devise a resolution strategy, which incorporates an aggressive trial plan.

Property Policies:

Carlock Copeland’s insurance coverage practice also encompasses first party property matters arising from property losses of homeowner claims to complex, large property loss claims, caused by natural disasters, explosions, building collapse, machinery, equipment and fixture failure, to fire and theft loss. An integral aspect of this practice area is spearheading investigations involving significant business losses, designed to ascertain and evaluate the conduct of the insured, compliance with the terms and conditions of the policy, and conduct examinations under oath. It is essential to become engaged in the early stages of a first party property loss in order to properly resolve the exposure, but also identify and preserve potential subrogation options, and where necessary, devise effective recovery strategy.

Arson and Fraud:

Arson and fraud claims involve thorough investigation, coupled with the integration of services from other disciplines, including cause and origin experts, forensic accountants, other experts and consultants, as well as federal and state agencies such as the Federal Bureau of Alcohol, Tobacco & Firearms, State Farm Marshall & Insurance Commissioner, and local police and fire departments. We maintain an updated network of contacts within these disciplines in order to promptly initiate and facilitate in-depth investigations, where necessary. Another aspect of this practice is advising insurers of duties related to others with an interest in the insurance proceeds, such as mortgagees and innocent co-insureds.