INSURANCE RECOVERY PRACTICE

Cheely, O'Flaherty & Ayres Insurance Recovery Attorneys specialize in assisting
businesses in cutting their legal costs---sometimes eliminating them completely----by finding insurance coverage where none was thought to have existed. Our insurance recovery attorneys have seen countless instances where an insured client or even counsel for an insured client assumed a loss was not covered when in fact it actually fell within the terms of said client's policy.

Of course, without prompt notice of the loss or claim, the insurer can walk away from its obligations even if the los would be otherwise covered. The result: spending thousands of dollars defending a claim which should have been defended by their insurer.

Because Cheely, O'Flaherty & Ayres specializes in policyholder representation, we do not have the conflicts of interest issues which firms with insurance company clients experience, and much of our insurance coverage clientele comes through referrals from attorneys at firms with insurance company clients.

Some of our past experience includes:

- Successful representation of a business owner sued by the EPA under CERCLA, the "Superfund Act," in which we were able to procure coverage despite a "pollution exclusion" term in the policy. [link to Helwig Palfmeyer. Successful representation of a cigarette distributer accused of selling counterfeit cigarettes in which we were able to procure coverage under the Personal injury" and "advertising injury" coverage provisions of our client's policy.

Procuring first party coverage for a homeowner whose home was "totaled" by a burst pipe and ensuing mold damages. Representation of several clients in "TCPA" (Junk fax) and "FACTA" (credit card disclosure) suits. The attorneys at Cheely, O'Flaherty & Ayres can cost effectively represent businesses in securing insurance coverage for claims ranging from first party losses to construction defect claims to copyright, trademark and other intellectual property claims.