Clear explanations of the records, practices, and insurance concepts that often shape expert analysis.
The analysis usually extends well beyond the issued policy to the complete insurance transaction: the request, application, proposal, underwriting submission, communications, delivery, and renewal record.
Applications and policies matter, but so do coverage comparisons, emails, call notes, exposure schedules, inspections, declinations, and evidence of what the market would write.
A useful insurance expert explains policy mechanics, terminology, custom, and practice while respecting the court’s role in deciding the law and ultimate legal issues.
A reconstruction requires attention to inputs, construction class, occupancy, features, local cost data, debris removal, ordinance requirements, and the intended use of the estimate.