Focusing on Insurance Claims for
Policyholders and Serious Personal Injury.

Rules for Fair Insurance Companies

Insurers should fully and fairly investigate a claim. Mistakes happen. However, if an insurer follows best practices, then mistakes will not be needlessly or intentionally overlooked. When an insurance company needlessly or intentionally overlooks covered losses, the policyholder pays the price.

Guidelines:

  • The adjuster should listen and reasonably consider damages and losses pointed out by the policyholder or their representative.
  • If the adjuster can’t tell whether the loss was caused by a covered event or an excluded cause, the adjuster must either recommend coverage or investigate further. The burden is on the insurer to show the excluded event caused the loss.
  • An insurer may never coerce the policyholder into using a particular vendor or provider of repair services. Similarly, the insurer cannot penalize the policyholder for using a contractor of their choice.
  • Policy exclusions must be clear and understandable to an average, reasonable person. This applies to not only the language in isolation but the language wherever it appears in the policy.
  • Any ambiguity in the policy should be construed in favor of coverage.
  • An insurance company that denies a claim for one reason cannot add to those reasons after a lawsuit is filed.
  • An insurance company cannot compel an insured to litigation in order to recover what they would be due under the policy.
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What Clients Say About
The Frankl Law Firm, P.C.

I was very pleased and would recommend The Frankl Law Firm to anyone with an insurance matter.

– Marcia A.

As the HOA manager for a larger association with more than 160 units, I was happy with the job by The Frankl Law Firm concerning our claim for hail damage.

– Tom J.

Keith Frankl has done a good job for our customers.

-Josh W., Premier Roofing

Keith Frankl obtained a good decision in the Court of Appeals in the matter of

Chalet Townhome Association v. Philadelphia Indemnity Insurance Company.

El Toledo L. L.C. was pleased with the job of The Frankl Law Firm involving its dispute.

-Gary L.

Keith Frankl took my serious personal injury claim where the insurance company offered me nothing. We obtained a settlement of more than $300,000.

– Bob

Mr. and Mrs. Bliss, insurance adjusters, hired Keith Frankl in 2015 and were extremely pleased with his work.
Mr. Brown entrusted Keith Frankl with his claims for his shopping center and was happy with his work.
I was impressed with Keith Frankl and very satisfied with his work.

– Robert K., President, Holly Ridge Dev. HOA

Look at my video testimonial.

– Lance D., Managing Partner, Shaysav LLC

Look at our video testimonial.

– Carol and Ron V.

I would use Keith Frankl again and was happy and satisfied.

– Kelly S, CIG Construction company

I was very satisfied with the work. I have been a paralegal for many years. Mr. Frankl performed in a way that maximized my recovery.

– Renae M.

Mr. Rexrode received settlement of $350,000 from Allstate in addition to other settlements from Allstate involving approximately $265,000 and approximately $60,000, all in connection with the same accident and Allstate’s insurance coverage.

– Arthur R.

I would highly recommend these lawyers.

– Mike P.

I am happy to recommend these lawyers.

– Barbara O.

I was pleased with our result and my lawyer’s hard work. I will not give details because I settled under an agreement of confidentiality.

– Barbara R.

These lawyers obtained a $200,000 settlement from Farmers for me after they delayed my care for about 18 months.

– Celynda F.

I was very pleased and would recommend The Frankl Law Firm to anyone with an insurance matter.

– Marcia A.

As the HOA manager for a larger association with more than 160 units, I was happy with the job by The Frankl Law Firm concerning our claim for hail damage.

– Tom J.

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