Insurance disputes.
Denied claims, lowball offers, unreasonable delays, ERISA-governed health and disability plans, homeowners and property losses, life-insurance denials, UM/UIM disputes — insurance fights are won by lawyers who know the policy language and the bad-faith law of the state where the policy was sold. We match you to a Utah, Idaho, or Wyoming attorney whose case history fits the specific kind of coverage and the specific kind of dispute.
Tell us what happened
Sub-specialties within this area.
Homeowners & property claims
Hail, wind, fire, water, roof, and theft losses where the carrier denied, underpaid, or sat on the claim. Disputes usually turn on the cause-of-loss investigation, the scope of repair (matching, code upgrades, ACV vs. RCV), and exclusions the carrier reads broadly. Appraisal clauses and policy-condition deadlines (proof of loss, examination under oath) shape the litigation posture before suit is even filed.
Auto UM/UIM, PIP & med-pay
Your own carrier becomes the opponent when an at-fault driver is uninsured (UM) or carries limits too low to cover your injuries (UIM). UM/UIM claims are governed by your policy — selection forms, stacking rules, and consent-to-settle clauses matter. Utah, Idaho, and Wyoming each have different rules on stacking and on the carrier's right to be subrogated against the at-fault driver. PIP and med-pay disputes are usually first-party fights over what's reasonable, necessary, and related.
Individual disability income (non-ERISA)
Privately-purchased disability policies (often professional own-occupation coverage for physicians, dentists, attorneys, executives) live under state insurance law, not ERISA. The fight is over own-occupation vs. any-occupation definitions, residual or partial benefits, mental-nervous limitations, pre-existing condition exclusions, and field-investigation tactics. Surveillance and independent medical examinations are common; how the policyholder responds to either can shape the case.
ERISA group health & disability denials
Employer-sponsored LTD and group health denials are governed by ERISA — a federal statute with a very different procedure than state insurance disputes. There's no jury, damages are limited to the benefit owed plus attorney's fees, and the case is usually decided on the administrative record. That means the appeal letter (typically 180 days from the denial) is the case — new medical evidence, vocational opinions, and treating-physician statements have to go in before suit. Glenn-style conflict-of-interest arguments matter when the plan administrator both decides and pays.
Life-insurance denials & contestability
Denials inside the two-year contestability window (carrier alleges misrepresentation on the application), beneficiary disputes between current and former spouses or children, suicide-clause denials, accidental-death-and-dismemberment denials, and lapse-for-nonpayment fights where the carrier failed to send statutorily-required notice. Materiality of the alleged misrepresentation and the carrier's underwriting practice on the original application are central.
Bad faith & extra-contractual damages
When a carrier denies, delays, or underpays without a reasonable basis, the policyholder has a separate bad-faith cause of action — independent of the contract claim — that can carry consequential damages, attorney's fees, and in egregious cases punitive damages. Utah, Idaho, and Wyoming each recognize first-party bad faith but with different elements and proof standards. Documenting the carrier's claim file, the adjuster's reasoning, and the timeline of communications is how bad-faith cases are built.
Commercial coverage disputes
Business-interruption claims (heavily litigated post-COVID), D&O, EPLI, cyber, errors-and-omissions, commercial property, and additional-insured disputes. These are typically driven by policy interpretation — what's an "occurrence," what's an "insured contract," what triggers the duty to defend separately from the duty to indemnify. Reservation-of-rights letters and the carrier's choice of defense counsel often become their own sub-litigation.
Three steps to the right specialist.
Tell us what's happening
A careful AI conversation walks through the facts. Type of policy and carrier; what was claimed and when; date of denial, underpayment, or delay; whether the carrier has paid anything; what reasons the carrier gave in writing; whether you have a copy of the full policy with all endorsements; whether the policy is employer-sponsored (which usually means ERISA); whether any deadlines in the denial letter or policy conditions (proof of loss, appraisal demand, EUO, ERISA 180-day appeal) are running.
We identify the sub-specialty
Not just "insurance dispute" — homeowners/property, auto UM/UIM, individual disability, ERISA group health/LTD, life insurance, commercial coverage, bad faith. An ERISA disability lawyer and a homeowners hail-claim lawyer are very different fits, and a contestability-period life-insurance denial is different again.
Warm introduction to the right firm
We match you to the firm whose case history fits your sub-type. You're introduced, not handed off. The firm knows about your claim before they call — and they know whether an ERISA appeal window is running, whether the policy requires appraisal, and whether a bad-faith record needs to be preserved now.
What we'll ask about.
- The exact reasons the carrier gave in writing for denial, underpayment, or delay — bad-faith and breach-of-contract analyses both start with the carrier's stated rationale.
- Whether the policy is employer-sponsored — group health, group LTD, and group life are almost always ERISA, with a very different procedure (no jury, administrative-record review, 180-day appeal window) than individual policies.
- The complete policy with all endorsements, declarations page, and any application or enrollment forms — coverage fights are policy-language fights, and missing endorsements have decided cases.
- The complete claim file, communications, and any recorded statements or examinations under oath — adjuster notes and the claim timeline are central evidence in bad-faith claims.
- Any policy-condition deadlines already running — proof of loss (often 60 days from request), appraisal demand windows, EUO compliance, ERISA 180-day administrative appeal. Missing a policy-condition deadline can void coverage.
- The economic harm and any consequential damages — medical bills, lost wages, foreclosure or eviction triggered by the delay, business losses. These drive both the underlying claim value and the bad-faith damages model.
Deadlines to know.
Insurance disputes have two clocks running at once — the contract statute of limitations and the policy-condition deadlines, and the second is usually shorter. Most property policies require a sworn proof of loss within 60 days of the carrier's request and an appraisal demand within a defined window; missing either can be raised as a coverage defense. ERISA-governed group plans require administrative appeal within 180 days of denial — if that window closes without an appeal that includes all the medical and vocational evidence you'll ever rely on, the federal court case is effectively over because review is limited to the administrative record. Auto UM/UIM consent-to-settle clauses require notice to your own carrier before accepting the at-fault driver's policy limits, otherwise UM/UIM coverage can be voided. Suit-against-insurer limitations in property policies are often one or two years from the loss (Utah and Idaho enforce these contractual shorter-than-statute limits in most contexts; Wyoming similar). Bad-faith claims piggyback on the underlying breach but have their own state-specific limitations. Life-insurance contestability is two years from policy issue — denials after contestability are much harder to defend on misrepresentation grounds. If you've just been denied or just received an EUO demand, the first 30 days usually decide whether the case is preserved.
What people ask.
Most first-party insurance disputes — homeowners, auto UM/UIM, individual disability, life-insurance denial — are handled on contingency, typically 33–40% in Utah, Idaho, and Wyoming. ERISA cases are usually contingency or hybrid, with the statutory attorney-fee provision running against the plan. Bad-faith claims often add a contingency on extra-contractual damages. Commercial coverage disputes are sometimes hourly. There's no fee for talking to us or for the introduction.
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