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Insurance Coverage

Our Practice

Areas of Practice

The Insurance Coverage Practice Group at Clement Rivers, LLP provides comprehensive representation to:

  • Casualty, liability, property, business interruption, pollution, and health insurance companies, policyholders, and individuals in first-and third-party insurance claims
  • Individuals and agencies in errors and omissions claims
  • Parties involved in excess liability coverage issues

The firm’s representation includes rendering legal opinions on insurance coverage and claims resolution matters including:

  • Liability
  • Indemnity
  • Reinsurance coverage
  • Fire
  • Arson
  • Insurance fraud
  • Theft
  • False or inflated claims
  • Insurance application fraud
  • Bad faith claims
  • Subrogation

Case Strategy

Clement Rivers, LLP’s attorneys work closely with clients to investigate and evaluate insurance claims. The group also uses a variety of technical and forensic experts chosen for their specialty in investigation, determination, and valuation of insurance claims.

Catastrophic cases

The group’s lawyers have extensive experience handling claims arising from natural and man-made catastrophes such as:

  • Hurricanes
  • Floods
  • Tornadoes
  • Hail storms
  • Freezing rain
  • Windstorms
  • Explosions
  • Structural collapse or failure
  • Carbon monoxide or other toxic exposure
  • Chemical or fuel spills or discharge
  • Construction claims
  • Boat, vessel or maritime claims

The firm’s attorneys have specific knowledge of insurance issues that may arise out of a catastrophic event, including:

  • Insurance agency errors and omissions
  • Insurer claims handling
  • Bad faith claims
  • Agency failure to place appropriate coverage or policy limits

Federal Agency Claims

The group is well versed in handling claims involving Federal agencies such as the

  • Federal Emergency Management Agency
  • Small Business Administration
  • U.S. Army Corp of Engineers
  • federal insurance programs such as
    • the National Flood Insurance and
    • Federal Crop Insurance programs.

Insurance Industry Authorities

Members of the group lecture regionally and nationally on insurance coverage and first-party insurance issues. They have been active in a variety of statewide professional groups as well as the

  • American Bar Association
  • Tort and Insurance Practice Section
  • Litigation Section
  • Defense Research Institute
  • Federation of Insurance and Corporate Counsel
  • Property Loss Research Bureau
  • International Association of Arson Investigators

The group assists numerous insurance companies with in-house training seminars seeking to prevent the types of claims that often result in litigation.

Articles and Case Studies

Insurance Fraud In South Carolina:  Potential Pitfalls for Insurers by Jeffrey J. Wiseman and Joseph W. Rohe.  Published in S.C. Lawyer (November 2009)