Policyholders rely on insurance for protection, for peace of mind, for "good hands", or a "piece of the rock". They pay premiums in advance, expecting the insurance company to act promptly and in good faith when the need arises. Insurance is therefore a special type of contract, in which the insurance company may be sued for "bad faith" damages if it denies a claim unreasonably.

Insurance companies can profit by just saying "no". The coverage promised when a policy is sold often disappears when the policyholder submits a claim. The policyholder is usually at a disadvantage because insurance companies are in the business of handling claims; and thus are professionals in the litigation business. The American Insurance Association has explained that the insurance industry spends (conservatively) over a billion dollars a year in fighting policyholders over coverage.

To fight an insurance company requires special knowledge, skill and experience. The attorneys at Stanzler Funderburk & Castellon have a proven track record of success in recovering hundreds of millions of dollars in insurance claims for our clients. To level the playing field against the largest insurance companies in the world, we've even written the book on this subject, which has become a leading treatise in this areas of the law -

Insurance Coverage Litigation (Aspen Publishers 2006).

We also write frequent articles, put on seminars, and appear in court as expert witnesses.

We have created this web site as a handy resource for policyholders.