OAKLAND – FIRE INSURANCE – BAD FAITH CLAIMS-HANDLING – NEGOTIATED SETTLEMENT
A homeowner who was the victim of a total loss fire in the Oakland Hills retained MLF to represent her against her fire insurance company when the insurance company refused to pay more than the $281,650 already paid the homeowner to date. MLF negotiated the recovery of an additional $478,000 in policy benefits, for a total recovery of $759,650.
ACCIDENTAL DEATH INSURANCE – HEROIN OVERDOSE – OPIOID OVERDOSE – INSURANCE COVERAGE – INSURANCE BAD FAITH – LITIGATION – CONFIDENTIAL SETTLEMENT
A Bakersfield woman was the beneficiary under a $250,000 accidental death insurance policy that insured against the accidental death of her husband. The husband died as a result of a heroin overdose. The insurance company denied the accidental death claim on the basis that the husband’s death was not an “accident” but the result of intentional, voluntary conduct. MLF was retained and determined that, under California law, and given the particular language of the insurance policy in question, the death of the client’s husband was a covered loss. A lawsuit was filed in federal court and, after the client prevailed on a motion for summary judgment, the claim and the lawsuit were settled for a confidential sum, including damages for bad faith claims-handling.
PLEASANT HILL – INSURANCE BAD FAITH – INSURANCE COVERAGE – WATER LEAK – FOUNDATION SOILS – PROPERTY DAMAGE – LITIGATION – SETTLEMENT
A Pleasant Hill homeowner retained MLF after a plumbing leak infused her foundation soils with water, which resulted in swelling and heaving of foundation soils and resulting property damage. The client’s homeowner’s insurance company was unresponsive and failed to adjust the claim reasonably and competently. MLF filed a lawsuit against the insurance company, both for coverage and for “insurance bad faith”, and the lawsuit was ultimately settled for $260,000, including an allocation for “bad faith” damages.
STOCKTON – HOMEOWNER’S INSURANCE – ICE MAKER LEAK – FOUNDATION SOILS – PROPERTY DAMAGE – LITIGATION – SETTLEMENT
A Stockton homeowner retained MLF when her homeowner’s insurance claim, arising from an ice maker line leak which resulted in swelling foundation soils and resulting property damage, was improperly denied by her insurance company. A lawsuit was filed by MLF and the homeowner recovered $197,500 in settlement.
LOS ANGELES – COMMERCIAL BUILDING – INSURANCE COVERAGE – LITIGATION – SETTLEMENT
A Los Angeles commercial building owner retained MLF after his tenant surreptitiously (and negligently) “remodeled” the building, causing extensive property damage. The tenant filed bankruptcy and the client’s property insurance company had already denied coverage on the basis that the client had “entrusted” the property to the party causing the damage. MLF filed a lawsuit in federal court against the insurance company and the client recovered $100,000 in a mediated settlement, enough to implement needed repairs.