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
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
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