Your Rights When Insurance Companies Deny Catastrophic Claims

Bad Faith Insurance Lawyers Who Force Giants to Honor Their Contracts — And Win

When your commercial property is devastated by a hurricane, fire, or catastrophic event and your insurance company delays payment, drastically underpays, or outright denies your valid claim, understanding your legal rights is essential. LKSA provides the aggressive representation needed to hold insurance giants accountable and secure the full compensation your business deserves.

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If Your Commercial Claim Has Been Denied: What You Need to Know Right Now

If your commercial property has been devastated by a hurricane, fire, or catastrophic event and your insurance company is delaying payment, drastically underpaying, or outright denying your valid claim, you’re facing a billion-dollar corporation that puts profits over policyholders. But you have rights, and LKSA has the elite trial experience and financial resources to fight for you and win.

You paid your premiums for years, fulfilling your end of the contract with the expectation that your insurance company would protect you when disaster struck. But when a catastrophic event threatens the survival of your business or destroys your commercial property, the insurance company’s true priority rapidly emerges: protecting their own bottom line.

Insurance companies are massive, profit-driven financial institutions. They employ armies of adjusters, investigators, and defense attorneys whose primary objective is to minimize payouts, delay settlements, or find technicalities to deny your valid claim entirely. At Lewis, Kullman, Sterbcow & Abramson, LLC (LKSA), we level the playing field. Our experienced New Orleans trial lawyers have the financial resources, the elite legal acumen, and the aggressive litigation posture required to force insurance giants to honor their contracts.

Every year, thousands of Gulf Coast businesses suffer devastating losses from hurricanes, floods, fires, and explosions. Their insurance companies respond by:

  • Delaying investigations and payments for months or years
  • Drastically undervaluing the cost to rebuild
  • Blaming damage on “uncovered” perils to deny valid claims
  • Disputing business interruption losses with manipulated financial data
  • Denying claims entirely using technicalities buried in fine print

If your claim has been delayed, underpaid, or denied, you’re not alone. And you’re not powerless.

At Lewis, Kullman, Sterbcow & Abramson, LLC, we’ve spent decades taking on the biggest insurance companies in America. We’ve secured millions for businesses whose valid claims were wrongfully denied. We know how insurance companies operate, how they hide behind bad faith tactics, and how to hold them accountable.

But insurance cases are complex, expensive, and require immediate action to preserve evidence and protect your rights.

If your commercial property claim has been denied or delayed, contact us today for a free consultation. We’ll review your policy, explain your rights in plain language, and fight to get you the full compensation your business deserves.

Quick Facts: Bad Faith Insurance Claims

What qualifies as a bad faith insurance claim?

An insurance policy is a contract with a legal obligation of “good faith and fair dealing.” Bad faith occurs when an insurer violates this duty by:

  • Unreasonably delaying investigation or payment
  • Failing to pay undisputed portions of a claim within Louisiana’s 30-90 day statutory deadlines
  • Denying claims without thorough, objective investigation
  • Misrepresenting policy terms or coverage limits
  • Offering drastically low settlements to force acceptance

Common catastrophic claims we handle:

  • Hurricane damage to commercial buildings (wind, water, structural)
  • Fire and explosion damage to business properties
  • Flooding and water damage claims
  • Business interruption and lost revenue claims
  • Equipment breakdown and machinery failure
  • Roof damage and building envelope failures
  • Mold and environmental contamination
  • Multi-million dollar property loss disputes

Who can be held liable?

  • Property insurance carriers
  • Business interruption insurers
  • Excess and umbrella policy carriers
  • Insurance adjusters who act in bad faith
  • Third-party administrators (TPAs)

What you can recover:

For the underlying claim:

  • Full cost to repair or rebuild your property
  • Business interruption losses (lost revenue, continuing expenses)
  • Equipment replacement costs
  • Additional living expenses or relocation costs

For bad faith conduct:

  • Statutory penalties: 50% of amount owed or $5,000 (whichever is greater) for commercial property, plus proven economic damages for other claims (La. R.S. 22:1892)
  • Attorney’s fees and costs
  • Consequential business damages
  • Punitive damages (in extreme cases)

Time limits:

  • Louisiana prescription (statute of limitations): Varies by claim type
  • Bad faith claims: Must be filed within 2 years (La. R.S. 22:1892)
  • Policy deadlines: Many policies require lawsuits within 1-2 years of denial
  • Catastrophic losses: Require 60-day “cure period notice” before filing suit (La. R.S. 22:1892.2)
  • Evidence collection: Must act fast before documents disappear

Catastrophic Commercial Property & Hurricane Losses

In Louisiana and across the Gulf Coast, businesses face the constant, existential threat of catastrophic weather events. When a major hurricane, fire, or explosion destroys commercial infrastructure, the resulting claims often run into the tens of millions of dollars.

Because the stakes are so high, insurance companies aggressively fight commercial property claims.

Common Insurance Company Tactics in Hurricane Claims:

“That Was Flood, Not Wind”

  • They blame destruction on “uncovered” perils
  • Argue wind damage was actually flood or storm surge damage
  • Split coverage between multiple policies to reduce payouts
  • Claim water damage occurred before wind damage to deny coverage

“Pre-Existing Damage” Arguments

  • Claim the property had “pre-existing” structural issues
  • Allege deferred maintenance caused the failure
  • Use biased inspections to manufacture defects
  • Blame age of building materials rather than catastrophic event

Undervaluation and Depreciation Games

  • Depreciate the value of damaged property using biased internal software
  • Dispute the necessary scope of repairs
  • Offer “patchwork” funds when total rebuild is required
  • Use lowest-cost replacement materials that don’t match original quality

Delay and Deny

  • Endlessly request duplicative documentation
  • Change adjusters mid-claim to restart the process
  • Ignore communications and miss statutory deadlines
  • Issue blanket denials hoping you’ll give up

How LKSA Fights Back:

We do not rely on the insurance company’s adjusters. We deploy our own network of:

Independent Structural Engineers who conduct comprehensive forensic analysis of the damage and determine the true cause and scope

Leading Meteorologists who use scientific weather data to prove exactly what conditions existed at your property during the storm

Elite Construction Estimators who calculate the actual, fair cost to restore your property to pre-loss condition

Forensic Accountants who document your complete financial losses and business interruption damages

We build an irrefutable, scientific model of exactly what caused the damage and exactly what it will cost to rebuild. When insurance companies see our level of preparation, they know we mean business.

Business Interruption: Recovering Your Lost Revenue

When a disaster forces your business to close its doors, the physical damage is often eclipsed by the financial devastation of lost revenue. Business Interruption (BI) insurance is designed to cover your lost profits, payroll, and operating expenses while you rebuild.

However, BI claims are the most heavily contested area of insurance law.

Why Insurance Companies Fight Business Interruption Claims:

Business interruption claims often exceed property damage claims by 2-3 times. A building may cost $5 million to rebuild, but lost revenue during closure could reach $15-20 million. Insurance companies will do everything possible to minimize these massive payouts.

How They Undervalue Your BI Claim:

Manipulated Financial Projections

  • Use aggressive accounting tactics to manipulate your historical financial data
  • Project artificially lower future earnings to minimize what they owe
  • Ignore market trends that would have increased your revenue
  • Cherry-pick down months rather than looking at the full fiscal picture

“Period of Restoration” Disputes

  • Argue you could have reopened sooner
  • Claim delays were due to your choices, not the damage
  • Ignore permitting delays, supply chain issues, and contractor availability
  • Arbitrarily cut off coverage before you’ve actually resumed operations

Continuing Expense Battles

  • Dispute which expenses are “necessary” to continue
  • Deny coverage for payroll of key employees you had to retain
  • Fight reimbursement for temporary relocation costs
  • Challenge marketing expenses needed to rebuild customer base

How We Maximize Your BI Recovery:

We counter these tactics by retaining top-tier forensic accountants and industry-specific financial analysts. We meticulously calculate your true economic losses by:

  • Analyzing your complete financial history and growth trajectory
  • Projecting accurate revenue based on market conditions and your historical performance
  • Documenting every necessary continuing expense
  • Proving the actual period of restoration including unavoidable delays
  • Calculating the full cost to regain your market position

We ensure that your business is fully compensated for the downtime and positioned to successfully reopen.

First-Party Bad Faith: Penalizing Corporate Greed

An insurance policy is a contract that carries a legal obligation of “good faith and fair dealing.” When an insurance company violates this duty, it commits what is known as Insurance Bad Faith.

Under Louisiana law (as amended effective July 2024), insurers can be held heavily liable for bad faith practices.

You May Have a Bad Faith Claim If Your Insurance Company:

Unreasonable Delays

  • Fails to acknowledge your claim within a reasonable time
  • Endlessly requests duplicative or unnecessary documentation
  • Misses statutory deadlines for investigation or payment (30 days generally; up to 90 days for commercial catastrophic property claims in Louisiana)
  • Changes adjusters repeatedly to restart the process

Inadequate Investigation

  • Denies your claim without conducting a thorough, objective investigation
  • Refuses to interview witnesses or inspect the full extent of damage
  • Relies solely on biased internal reports rather than independent experts
  • Ignores evidence supporting your claim

Arbitrary Denials

  • Issues blanket denials without specific reasons
  • Misapplies policy exclusions that don’t actually apply to your situation
  • Creates reasons to deny that have no factual basis
  • Denies first and investigates later (if at all)

Policy Misrepresentation

  • Intentionally misrepresents the terms or coverage limits of your policy
  • Tells you coverage doesn’t exist when it clearly does
  • Provides false information about deadlines or requirements
  • Withholds information about additional coverage you purchased

Lowball Settlement Offers

  • Offers settlements far below the actual value of your claim
  • Pressures you to accept inadequate offers quickly
  • Threatens to deny the entire claim if you don’t accept their lowball offer
  • Fails to pay undisputed portions while disputing other aspects

The Consequences of Bad Faith: Louisiana Statutory Penalties

We use bad faith statutes as a sword. If we prove your insurer acted in bad faith, Louisiana law allows us to pursue:

Statutory Penalties (La. R.S. 22:1892):

  • For commercial property claims: 50% of the amount due or $5,000, whichever is greater
  • For other claims: Proven economic damages sustained as a result of the breach
  • These penalties are in addition to the full amount owed under your policy

Attorney’s Fees:

  • Insurance company pays YOUR attorney’s fees if we prove bad faith
  • This means you keep 100% of your settlement/judgment
  • This makes it financially painful for insurers to delay or deny valid claims

Additional Damages:

  • Consequential business losses caused by the bad faith conduct
  • In extreme cases, punitive damages for outrageous conduct

For Catastrophic Losses (Hurricanes, Declared Emergencies):

Louisiana law now requires a 60-day “cure period notice” under La. R.S. 22:1892.2 before filing suit for catastrophic losses. We send this notice immediately, documenting the insurer’s violations and demanding payment. If they fail to pay within 60 days, we pursue full penalties plus attorney’s fees.

Important Note: Louisiana law now also imposes duties of good faith on insureds. If an insured misrepresents facts, submits fraudulent claims, or fails to comply with policy obligations, this can reduce penalties against the insurer. However, this does not eliminate the insurer’s fundamental duty to handle claims fairly and promptly.

We make it more expensive for them to delay your claim than to simply pay what they owe.

The Insurance Industry Playbook (And How We Beat It)

Insurance companies rely on a strategy of attrition. They know that a business bleeding revenue cannot afford a protracted legal battle. Their playbook is designed to starve you out:

The Three D’s: Delay, Deny, Defend

Delay:

  • Endlessly request duplicative documents
  • Change adjusters to restart the process
  • Ignore communications and miss deadlines
  • Schedule inspections then cancel repeatedly
  • Claim they need “just one more thing” before making a decision

Deny:

  • Use confusing policy exclusions and fine print to issue blanket denials
  • Misapply exclusions that don’t actually fit your situation
  • Create technical reasons to deny that have no basis in the policy language
  • Deny first, investigate later (if at all)

Defend:

  • Bank on the fact that most policyholders don’t have resources to take them to court
  • Drag out litigation for years hoping you’ll settle for pennies
  • Bury you in discovery requests and motion practice
  • Make litigation so expensive you’re forced to accept lowball settlements

The LKSA Advantage: We Neutralize Their Strategy

We Have the Resources for Multi-Year Litigation

We neutralize their strategy of attrition because we have the substantial financial capital to fund high-stakes, multi-year litigation. We routinely advance hundreds of thousands of dollars in case costs:

  • Expert witness fees (engineers, meteorologists, accountants)
  • Independent property assessments and testing
  • Document production and discovery costs
  • Trial preparation and demonstrative exhibits

We cannot be starved out.

We Are Trial Lawyers, Not Settlement Mills

Because we are an elite trial firm with a proven track record of winning complex cases, insurance companies know we are fully prepared to present their bad faith conduct to a jury. That credible threat of trial is the ultimate leverage required to force a fair, maximum settlement.

When insurance defense lawyers see LKSA on the other side, they know:

  • We’ve invested heavily in the case already
  • We have the experts to prove our case
  • We’re prepared to go to trial
  • We’ve won similar cases before

That changes the negotiation entirely.

We Prepare Every Case for Trial From Day One

We don’t wait to see if settlement negotiations work. We immediately:

  • Preserve all evidence before it can be destroyed
  • Retain world-class experts
  • Build a comprehensive case file
  • Develop powerful demonstrative exhibits
  • Prepare witness testimony

Most cases settle only because we’re fully prepared to win at trial.

Real Clients, Real Results: Holding Insurers Accountable

While every case is unique and past results do not guarantee future outcomes, LKSA has recovered significant compensation for businesses whose insurance companies wrongfully denied or delayed valid claims.

Our case results demonstrate our ability to take on the largest insurance carriers in America and win. We have secured multiple seven-figure settlements and verdicts in complex insurance disputes involving:

  • Hurricane damage claims wrongfully denied as “flood” damage
  • Business interruption claims drastically undervalued by insurers
  • Fire damage claims where insurers blamed pre-existing conditions
  • Commercial property losses where insurers disputed scope of repairs
  • Bad faith penalties and attorney’s fees awards

These victories include:

  • Full cost to rebuild commercial properties destroyed by hurricanes
  • Complete business interruption recovery including lost revenue and continuing expenses
  • Statutory bad faith penalties adding 50-100% to the underlying claim value
  • Attorney’s fees awards ensuring clients keep 100% of their recovery
  • Punitive damages in cases of egregious insurer misconduct

We do not accept cases we cannot win. When we take your insurance dispute, you can trust that we have the resources, the expertise, and the trial experience to fight for maximum compensation.

View our case results

Common Tactics Insurance Companies Use (And How We Counter Them)

Tactic #1: “Your Policy Doesn’t Cover This”

What they claim: “The damage you experienced falls under a policy exclusion. We don’t owe you anything.”

How we counter:

  • Comprehensive policy review by insurance law specialists
  • Analysis of every endorsement, rider, and coverage provision
  • Expert testimony on insurance industry standards and practices
  • Proof that the exclusion doesn’t actually apply to your situation
  • Evidence that the insurer misrepresented coverage when selling the policy

Tactic #2: “This Damage Was Pre-Existing”

What they claim: “Your building had structural problems before the hurricane. The damage was inevitable.”

How we counter:

  • Independent structural engineering reports proving the damage was caused by the catastrophic event
  • Pre-loss inspection reports and maintenance records showing the building was sound
  • Meteorological data proving the force of the storm exceeded building design standards
  • Expert testimony showing the damage pattern is consistent with acute event, not gradual deterioration

Tactic #3: “You’re Exaggerating the Damage”

What they claim: “Our adjuster says you only need $500,000 to repair. Your $2 million estimate is inflated.”

How we counter:

  • Independent construction estimates from licensed contractors
  • Detailed scope of work with line-item pricing
  • Code upgrade requirements the insurer’s adjuster ignored
  • Market rate documentation for labor and materials
  • Proof that cheap “patch jobs” won’t restore the property to pre-loss condition

Tactic #4: “Your Business Would Have Failed Anyway”

What they claim: “Your revenue was already declining. The disaster didn’t cause your losses—you were going out of business.”

How we counter:

  • Comprehensive financial analysis by forensic accountants
  • Market trend data showing your industry was strong
  • Testimony from industry experts about your competitive position
  • Revenue projections based on contracts and orders in your pipeline
  • Proof of investments and expansion plans that contradict “failing business” narrative

Tactic #5: “You Didn’t Mitigate Your Damages”

What they claim: “You waited too long to make temporary repairs. You let the damage get worse. We’re not paying for that.”

How we counter:

  • Documentation of immediate mitigation efforts
  • Proof that widespread damage made contractors unavailable
  • Evidence that the insurer’s delays prevented timely mitigation
  • Expert testimony on reasonable mitigation timeline given the circumstances
  • Proof that the insurer never instructed you to take specific mitigation steps

Tactic #6: “We Need More Time to Investigate”

What they claim: “We can’t make a decision yet. We need more documentation, more inspections, more analysis.”

How we counter:

  • Documentation of every request and response to prove their delays are unreasonable
  • Evidence that they have all information needed to make a decision
  • Proof that statutory deadlines have been violated
  • Bad faith claim for unreasonable delay
  • Immediate legal action to force compliance with policy terms

Warning Signs: When Should You Contact a Lawyer?

Contact a bad faith insurance attorney immediately if:

For Commercial Property Claims:

  • Your claim has been pending for 60+ days with no substantive response
  • The insurance company offers a settlement that’s a fraction of your actual damages
  • They’re blaming your damage on an “uncovered” peril that doesn’t match the facts
  • They claim your building had “pre-existing” problems despite clean inspection history
  • Your adjuster keeps changing or becoming “unavailable”
  • They’re requesting the same documents repeatedly
  • They deny your claim but won’t give you specific policy language supporting the denial

For Business Interruption Claims:

  • They’re disputing your financial records or revenue projections without basis
  • They claim you should have reopened sooner despite obvious impediments
  • They’re denying coverage for necessary continuing expenses
  • They’ve arbitrarily cut off your BI coverage before you’ve actually resumed operations
  • Their settlement offer doesn’t cover even a fraction of your actual lost revenue

For Bad Faith Conduct:

  • They missed Louisiana’s 30-day or 90-day statutory payment deadlines
  • They never conducted a meaningful investigation before denying your claim
  • They’re misrepresenting what your policy covers
  • They admitted part of your claim is valid but refuse to pay even that portion
  • They’re pressuring you to settle immediately for far less than you’re owed
  • You’ve received a denial letter that doesn’t make sense given your policy language

Don’t wait to see if they’ll “come around.” Insurance companies don’t suddenly become fair without legal pressure.

Common Questions About Insurance Disputes

For large commercial claims, absolutely yes.

When your business faces catastrophic losses running into millions of dollars, insurance companies deploy teams of adjusters, engineers, and attorneys to minimize what they pay. Trying to negotiate alone against this army puts you at an enormous disadvantage.

An experienced insurance litigation attorney levels the playing field by:

  • Retaining independent experts to counter the insurer’s biased reports
  • Identifying bad faith conduct that triggers statutory penalties
  • Understanding complex policy language and coverage disputes
  • Preparing for trial if settlement negotiations fail
  • Forcing the insurer to comply with legal deadlines

Yes, you can sue for:

Breach of Contract: If the insurer refuses to pay a valid claim covered under your policy.

Bad Faith: If the insurer unreasonably delays, denies, or undervalues your claim. Bad faith claims can result in statutory penalties and attorney’s fees.

Unfair Trade Practices: Louisiana law prohibits certain unfair insurance practices under La. R.S. 22:1964.

Time limits vary by claim type:

Breach of contract claims: Generally 10 years from the date of the wrongful denial, BUT most commercial policies contain “suit limitation” clauses requiring lawsuits within 1-2 years of denial. These clauses are enforceable in Louisiana.

Bad faith statutory penalties: Must be filed within 2 years under Louisiana’s tort prescription period (La. R.S. 22:1892, as amended July 2024).

Catastrophic loss claims (hurricanes, declared emergencies): Require 60-day “cure period notice” to insurer before filing suit (La. R.S. 22:1892.2).

Policy deadlines: Your insurance policy may contain “suit limitation” clauses requiring you to file suit within a specific timeframe (often 1-2 years) after denial.

Don’t delay. Evidence disappears, witnesses’ memories fade, and deadlines expire. Contact an attorney immediately.

You still have rights.

Accepting a partial payment does NOT waive your right to pursue the full amount you’re owed, as long as you:

  • Clearly communicate that you’re accepting the payment as a partial payment only
  • Continue to dispute the inadequacy of the total settlement
  • Document all communications about the disputed amount

In many cases, insurers pay the undisputed portion of a claim while continuing to fight the rest. You can accept that payment while still pursuing the remainder through litigation.

Timeline varies significantly:

With strong legal pressure: 6-18 months to settlement
With litigation required: 2-4 years to trial

Factors affecting timeline:

  • Complexity of damage assessment
  • Number of experts needed
  • Whether bad faith penalties are pursued
  • Insurance company’s willingness to negotiate
  • Court scheduling and discovery process

The longer the insurance company delays, the more evidence of bad faith we accumulate—which increases their penalty exposure.

You can recover:

Your actual losses:

  • Full cost to rebuild or repair your property
  • Business interruption losses (lost revenue, continuing expenses)
  • Additional expenses caused by the disaster
  • Loss of use of your property

Bad faith penalties (if applicable):

  • 50% penalty or $5,000 (whichever is greater) for commercial property claims under La. R.S. 22:1892
  • Proven economic damages sustained as a result of the breach
  • Attorney’s fees and costs
  • Punitive damages in extreme cases

Example: If your property damage claim is worth $5 million and we prove bad faith, you could recover $5 million PLUS $2.5 million in penalties (50%) PLUS attorney’s fees = $7.5 million+ total recovery.

Not in retaliation for filing a valid claim.

Insurance companies cannot cancel or non-renew your policy as punishment for exercising your rights. However, they can non-renew at the end of your policy term for legitimate underwriting reasons.

If your insurer threatens cancellation or non-renewal immediately after you file a large claim, this may be evidence of bad faith retaliation.

Act Now: Time Limits Apply to Insurance Claims

Multiple deadlines affect your rights:

Policy “Suit Limitation” Clauses:

Most commercial property policies contain clauses requiring lawsuits to be filed within 1-2 years of the date of loss or denial. These clauses are enforceable in Louisiana and can bar your claim entirely if you miss the deadline.

Louisiana Prescription (Statute of Limitations):

Breach of contract: Generally 10 years, but policy suit limitation clauses override this
Bad faith penalties: Must be filed within 2 years from date of breach.

Catastrophic Loss Cure Period:

For hurricanes and declared emergencies: Must provide 60-day written “cure period notice” to the insurer before filing suit.

Statutory Payment Deadlines (Create Bad Faith Evidence):

Louisiana law requires insurers to:

  • Pay undisputed claims within 30 days for non-catastrophic claims and 90 days for catastrophic claims 
  • Provide written reasons for denials within 30 days
  • Pay claims within 60 days when additional time is needed for investigation

Missing these deadlines creates evidence of bad faith and triggers statutory penalties.

Evidence Preservation Deadlines:

Act immediately to prevent:

  • Demolition or repair of damaged property before independent inspection
  • Loss of business records and financial data
  • Fading memories of witnesses
  • Destruction of adjuster notes and internal insurance company documents

If your claim has been denied or delayed, contact us immediately for a free case evaluation.

What Makes LKSA Different in Insurance Litigation

Taking on billion-dollar insurance companies requires more than just legal knowledge—it requires resources, expertise, and trial experience that most firms simply don’t have.

What Sets LKSA Apart:

✓ 40+ Years of Complex Insurance Litigation Experience
✓ New Orleans-Based Trial Lawyers Who Know Louisiana Law
✓ Proven Track Record in High-Stakes Commercial Claims
✓ Elite Network of Expert Engineers, Accountants, and Meteorologists
✓ Financial Resources to Fund Multi-Million Dollar Cases
✓ Trial Experience That Forces Maximum Settlements
✓ Bad Faith Expertise That Multiplies Your Recovery
✓ Compassionate Client Service Throughout the Process

Most personal injury and business attorneys cannot handle complex insurance litigation. Insurance companies know this and use it against policyholders.

We Understand Louisiana’s Unique Insurance Laws

As New Orleans-based trial lawyers, we understand:

  • Louisiana’s unique civil law system and prescription periods
  • Gulf Coast hurricane claims and wind vs. water coverage disputes
  • Louisiana’s strict statutory deadlines for insurance claim payments
  • Local construction costs and business valuation in the New Orleans market
  • The 2024 amendments to Louisiana’s bad faith statutes and how they affect your claim

We Can’t Be Intimidated or Starved Out

Insurance companies count on wearing down policyholders through delays and endless litigation. They know most people and businesses can’t afford to wait years for justice.

We’re different. LKSA has the financial strength to fund multi-year litigation against the largest insurers in the world. We advance all case costs—expert fees, investigation expenses, trial preparation—so insurance companies can’t use a war of attrition against our clients.

When they see we’re fully committed to trial, settlement negotiations change dramatically.

Don’t Let Insurance Giants Get Away With It. Fight Back with LKSA.

Insurance companies have unlimited resources to deny and delay your claim. But when they refuse to honor their contracts, they must be held accountable.

Contact us today for a free consultation. No fees unless we win.

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