First party property claims involve the policyholder (the 1st party) bringing a claim against their own insurance company (the 2nd party). These claims can be initiated against a personal or commercial insurance policy.

Because the relationship between the policyholder and the insurance company is determined based on the terms of the insurance contract, the basis of the claim will derive from the specific contractual language. Available coverages are determined by the plain meaning of the contractual language, as well as the reasonable interpretation of the specifically disputed terms.

Navigating the variety of different policies and applicable coverages can be a daunting process, but the attorneys at The Pierre Law Group are experienced with dealing these complex issues. To assist our clients throughout the claims process, our lawyers carefully examine the facts of the loss, the language of the policy, and the applicable law to work through any contested issues of coverage, as well as the scope and value of the loss.

Examples of 1st party property claims include:

• A homeowner has flood, fire or hurricane damage to his/her home & the insurer refuses to pay all or part of the loss
• An insured believes their 1st party property claim was denied unreasonably/unjustifiably or that the insurer acted in bad faith