908-679-5011
Summit Insurance Litigation Lawyers
When you purchase insurance, you expect it to be there for you during your time of need, whether after a fire, a serious car accident, or a natural disaster. Unfortunately, insurance companies sometimes act in bad faith or deny valid claims without justification. At Herold Law, P.A., our Summit Insurance Litigation Lawyers are committed to holding insurers accountable and securing the coverage and compensation our clients deserve.
Based in Warren, New Jersey, and serving clients in Summit and throughout Union County, our firm has decades of experience advocating for policyholders in insurance disputes. Whether you’re a homeowner, business owner, or individual involved in a coverage disagreement, we offer skilled, strategic legal support rooted in a deep understanding of insurance law.
What Types of Insurance Disputes Do You Handle?
Our legal team has experience handling a wide range of insurance litigation matters. We represent individuals and businesses in various insurance matters, including but not limited to:
- Property damage claims (homeowner or commercial property insurance).
- Business interruption coverage.
- Fire and natural disaster claims.
- Health and disability insurance.
- Life insurance policy disputes.
- Auto insurance claims.
- Professional liability and errors and omissions coverage.
- General liability and umbrella policies.
- Coverage disputes between primary and excess insurers.
- Bad faith insurance practices.
No matter how complex your case may be, our lawyers work diligently to analyze your policy language, assess your claim’s legitimacy, and pursue all available legal remedies.
How Do I Know If My Insurance Company Is Acting in Bad Faith?
Insurance companies have a legal duty to act in good faith when handling claims. When they fail to uphold that duty, they may be engaging in bad faith. Some signs that an insurer may be acting in bad faith include:
- Unreasonable delay in processing or paying a claim.
- Denying a claim without a proper investigation.
- Misrepresenting policy terms or coverage limits.
- Refusing to defend you in a liability claim.
- Offering significantly less than the claim is worth.
- Failing to provide a written explanation for a denial.
If you suspect your insurance company is unfairly handling your claim, the Summit Insurance Litigation Attorneys at Herold Law, P.A. can investigate the circumstances and determine whether legal action is warranted.
What Is Insurance Litigation?
Insurance litigation is the legal process of resolving disputes between policyholders and insurance companies through the court system. When negotiations and internal appeals fail, filing a lawsuit may be necessary to enforce your rights under the policy.
Our firm is experienced in all phases of insurance litigation, from pre-litigation claim evaluation and negotiation to discovery, motion practice, and trial. We also handle insurance-related appeals in both state and federal courts. In many cases, our clients come to us after months of frustration trying to deal with the insurer directly—once we’re involved, we take over the process so you can focus on moving forward.
Do You Represent Businesses in Insurance Claims?
Yes. At Herold Law, P.A., we routinely represent businesses, contractors, real estate owners, and professional service providers in commercial insurance disputes. This includes:
- Business interruption and income loss claims.
- Commercial property damage.
- Builder’s risk and construction insurance claims.
- Directors and Officers (D&O) coverage disputes.
- Professional malpractice or E&O defense and indemnity claims.
We understand how vital it is for businesses to recover quickly after an insured event. Our attorneys work to resolve insurance disputes as efficiently as possible while protecting your bottom line and legal interests.
Why Choose Herold Law, P.A. for My Insurance Litigation Matter?
Our firm has been serving clients across New Jersey for decades. With a team of skilled trial attorneys and a thorough command of insurance law, we offer exceptional legal advocacy tailored to each client’s goals.
The reasons clients choose us include:
- Experience: Our lawyers have decades of experience handling insurance disputes and trials.
- Insight: We understand how insurance companies operate and how to challenge wrongful denials.
- Strategy: We provide practical advice and build effective legal strategies from the outset.
- Results: Our lawyers have recovered significant compensation and enforced coverage on behalf of our clients.
- Personalized Service: We offer direct communication, responsiveness, and individualized attention.
Whether you’re facing a delayed claim, a complex coverage issue, or need to take legal action, we’re ready to help.
What Should I Do If My Insurance Claim Is Denied?
If your insurance claim has been denied, you should:
- Request a written explanation of the denial.
- Review your insurance policy carefully, including the declarations page and exclusions.
- Gather all documentation, such as photos, estimates, medical records, or repair invoices.
- Consult an experienced Summit Insurance Litigation Lawyer as soon as possible to review your options.
Insurers often rely on vague policy language or broad exclusions to deny claims. At Herold Law, P.A., we have the legal knowledge to challenge those denials and protect your rights.
What Happens During the Insurance Litigation Process?
The litigation process typically begins with a complaint filed in civil court. After that, the process may include:
- Discovery: Both sides exchange information, documents, and depositions.
- Motions: Legal arguments may be made to narrow the issues or dismiss parts of the case.
- Negotiation or Mediation: Many disputes are resolved before trial through settlement discussions.
- Trial: If no settlement is reached, the case may proceed to trial, where a judge or jury will decide the outcome.
- Appeals: Either party may appeal the decision, depending on the circumstances.
Our lawyers are with you every step of the way, ensuring you understand your rights and options.
Are There Time Limits for Filing an Insurance Lawsuit in New Jersey?
Yes. In most cases, insurance litigation is governed by strict deadlines, also known as the statute of limitations. In New Jersey, the time limits may vary depending on the type of insurance and the nature of the dispute, but many cases must be filed within six years of the breach of contract. Bad faith claims may be subject to shorter periods.
You should contact a lawyer as soon as possible after a dispute arises to ensure you don’t miss critical deadlines.
Contact Our Summit Insurance Litigation Lawyers at Herold Law, P.A. Today
At Herold Law, P.A., we believe that insurance policies should be honored, not challenged unfairly. If you are struggling with a denied, delayed, or underpaid insurance claim in Summit or the surrounding areas, our litigation team is here to help. Call our Summit Insurance Litigation Lawyers at 908-679-5011 or contact us online to schedule a consultation. We’ll review your case, explain your legal options, and help you take the next steps toward securing the benefits you’re owed. Don’t let the insurance company call all the shots—partner with a legal team that will fight for your rights. Located in Warren, New Jersey, we serve clients in Somerville, Morristown, and across the state.
