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Creativity. Passion. Results.

INSURANCE LAW

Santangelo & Rodriguez, P.C. is a Super Lawyer rated law firm serving the insurance industry in a number of practice areas. Our attorney’s place our clients first by providing them with quality legal services and offering them creative solutions that lead to the most beneficial result.
S-R Law’s accomplished attorneys in our Casualty, Property, Coverage and Subrogation departments, work closely with our clients, the insurers and their insureds, to obtain consistently successful results in matters involving environmental, natural disasters, toxic tort, construction, collapse, structural, transportation, trucking, professional liability, energy, and general liability matters.
We offer the sophisticated and highly skilled representation with the technological advantages that is expected of a large law firm, but with the customized personal service that only a boutique practice can provide.  Through the use of the latest technology, our attorneys are able to provide their clients with the resources needed to zealously and most cost-effectively represent their interests.  Electronic copies are made of all case materials and made accessible 24/7 on our secure cloud network, allowing real-time collaboration between all of our computers, smartphones, and tablets, ensuring that the attorneys at Santangelo & Rodriguez, P.C. can handle your matter anytime of the day and in any location in the world, as it should be in 2017.
As our client, you can rest easy knowing that experienced and dedicated attorneys, who have your best interests at heart, are handling your legal matter.  Our attorneys recognize and appreciate the importance of keeping our clients informed about the status of their legal matters. As such, we make it a priority to keep you, the client, informed and updated with a bi-monthly report, or sooner if anything significant arises.
While it is our goal to resolve all disputes, both amicably and in a cost-efficient way, we are also experienced in alternative dispute methods and will zealously represent our clients in a courtroom, if the need arises.
The attorneys at Santangelo & Rodriguez, P.C. pride themselves with offering superior legal services at competitive rates, making them a valuable asset for their clients.
Headquartered on Madison Avenue in New York, Santangelo & Rodriguez, P.C. serves its insurance clientele in the following practice areas:
Subrogation
 Coverage
 Casualty & General Liability
  • Personal Injury Defense
  • Errors and Omissions
  • Legal Malpractice
  • Occupational Disease
  • Commercial Losses
  • Comprehensive General Liability
  • Construction Liability
  • Transportation and Trucking Liability
  • Environmental Liability
  • Toxic & Mass Tort Liability
  • Professional Liability
  • Bad Faith
  • Extra-Contractual Exposure
 Premises Liability
  • Homeowners Liability Policy Defense
  • Commercial Liability Policy Defense
 First-Party Property
 Third-Party Property Defense
                                                                                                                                                           
 Subrogation
We believe that Subrogation Recovery is one of the most important financial tools an insurance company can utilize in increasing its bottom line. It is one of the few ways an insurance company can increase its revenues even in a struggling economy.
No subrogation matter is too small; every dollar recovered through a subrogation recovery means an increase in the insurance company’s bottom line. In light of the ever increasing competitive market, every extra dollar means more available capital for advertising and marketing. The more it can market, the more clients it can amass, which means more premiums and, therefore, more lucrative investment opportunities.
It is in our clients best interest to utilize our attorneys for its subrogation work. Our attorneys have the requisite experience and knowledge to handle the most complex subrogation matters.
Our attorneys have the ability to analyze the facts, law, policies and contracts in order to determine the viability of any subrogation cause of action quickly and efficiently.
Our attorneys will review the loss information and provide an opinion on the potential for subrogation recovery. In addition, we will prepare a litigation budget so that S-R Law and its clients can work together to conduct a cost-benefit analysis. With cost control in mind, we usually recommend sending a demand letter to the potentially liable parties, with an overview of the evidence, in an attempt to obtain a pre-litigation resolution of the matter. If settlement at that time is not an option, with your agreement and approval, we would commence litigation.
We are constantly reviewing and analyzing the cost-benefit throughout the life of the case and we would continue to work closely with you at every stage of the litigation.
We understand the latest discovery techniques and the most complex evidentiary rules. Our considerable experience in alternative dispute resolution, including arbitration, mediation and mini-trials, allows us to obtain significant recoveries through the most cost-effective procedures.
Our firm and investigation team can be at the scene of a loss within hours, protecting your interests. This can include coordinating and supervising site investigation in the inspection, removal and preservation of evidence. Our attorneys will also work to identify and interview witnesses, elicit the cooperation of authorities and, when necessary, obtain local, state and federal equitable bills of discovery and protective orders to preserve critical evidence. Additionally, we assist our clients in the selection of Forensic Accountants and Engineers, should the need arise.
The attorneys at Santangelo & Rodriguez, P.C. have extensive experience in various property losses in the areas of boilers, collapse, dams/levees, electrical, explosions, fires, natural disasters, structural, transportation, trucking, and water losses.
Our success is attributable to our creative and adept approaches to settlement discussions and dispute resolution alternatives.
 
Casualty & General Liability Defense
Our attorneys represent insurance carriers and surplus lines carriers in actions involving effectively all forms of coverage. In our defense of a wide range of claims, we protect the rights of insurance companies and their insureds, at the insurers’ direction.
Our attorneys are also well versed in analyzing complex coverage issues.  We defend complex cases through litigation.  In addition to our attorneys being experienced coverage counselors, they are also trial attorneys. Therefore, they are ready, willing, and able to zealously represent their clients in declaratory judgment, breach of contract, and bad faith actions throughout the United States.
Our attorneys defend insurers and/or their insureds against the following claims:
  • Personal Injury Defense
  • Errors and Omissions
  • Legal Malpractice
  • Occupational Disease
  • Commercial Losses
  • Comprehensive General Liability
  • Construction Liability
  • Transportation and Trucking Liability
  • Environmental Liability
  • Toxic & Mass Tort Liability
  • Professional Liability
  • Bad Faith
  • Extra-Contractual Exposure
 
Construction Liability

Our attorneys have represented and protected the interests of our clients in various claims involving the construction of home structures and government buildings against general contractors, subcontractors, designers, suppliers, vendors, and manufacturers.  We are skilled at analyzing the coverage issues relating to additional insured status, contractual liability, trigger of coverage, an occurrence, and various exclusions, including business risk, pollution, and pre-existing damage exclusions.

Our attorneys handle these matters from drafting position letters and coverage opinions to litigating certain coverage issues that arise in declaratory judgment actions.

Environmental Liability

Our attorneys counsel primary and excess carriers from the onset of a claim and represent them in coverage litigation through verdict.  We have litigated a myriad of claims submitted under general liability policies, including those seeking coverage for liability arising out of the release of hazardous substances, the discharge and/or disposal of hazardous materials, and matters involving the contamination of groundwater.
Our attorneys have analyzed coverage under environmental impairment liability policies and pollution liability policies.  We work closely with environmental consultants throughout the course of the litigation process so that the environmental and technical aspects are properly handled at every stage of the matter.
Toxic and Mass Tort Liability

Mass tort and toxic tort claims often result in complex coverage litigation.  Our attorneys are experienced in providing coverage opinions on cutting edge legal issues and on the various policy-based defenses unique to each individual case.
Our coverage litigation attorneys have the knowledge and experience to successfully represent our clients’ interests throughout the claim and litigation process.
Professional Liability
Our attorneys are experienced in analyzing various coverage issues associated with policies issued to medical professionals, attorneys, accountants, architects, engineers, insurance agents, brokers, banks, mortgage companies, and real estate professionals.
We assist as early as aiding in policy drafting.  We specifically help our insurance clients avert problems with certain policy provisions, including, consent to settle provisions, eroding limits, and claims-made requirements.
 
 Bad Faith and Extra-Contractual Exposure
Our attorneys can guide you through the claims process to reduce the possibility of bad faith claims being brought against our clients and vigorously defend these claims when they are alleged by the policyholders in cases like an insurer’s erroneous denial of coverage and an insurer’s failure to settle a claim within policy limits.
It is our attorneys’ duty to analyze all of the facts surrounding a claim to ensure that our clients avoid bad faith claims.  We carefully assess the situation and assist our clients in drafting coverage correspondence.  If bad faith allegations arise, our attorneys vigorously defend our clients against such claims.
 Premises Liability
Our attorneys have defended various premises liability matters.  We have defended our clients against claims involving injuries sustained by employees, on-site workers, guests, etc. that were injured on our clients’ premises resulting from collapsed ceilings, walls, uneven sidewalks, broken steps, slippery surfaces, and more.
 
Homeowners Liability Policy Defense
 
Santangelo & Rodriguez, P.C. has a team of attorneys specifically dedicated to matters involving premises liability defense. Our team handles homeowners liability losses, including, slip and fall, dog bite, fire injuries and wrongful death, remodeling or building construction injuries, assault injuries, furnace, and fireplace, water heater and home appliance injuries.
 
Commercial Liability Policy Defense
Our team also handles commercial liability losses, including, slip-and-fall injuries, injuries from falling product, materials or equipment, insufficient safety warnings on property, injuries from assault or criminal activity on premises, injuries resulting from defective building design and construction, and construction accident claims.
 First-Party Property & Coverage
From the matter’s inception, our attorneys work with the claims examiners in responding to a policyholder’s claim for physical damage and/or time element losses.
We also work with the underwriters to refine policy wording and develop new endorsements to avoid disputes going through litigation unnecessarily. We are mindful of our clients’ business relationships and we ensure that any wording we suggest will be both competitive on the market and acceptable to your clients.
Our attorneys are skilled in analyzing whether or not a loss is a covered loss or event under the policy.  The attorneys at S-R Law are also experienced coverage counselors for individual insurers and surplus line carriers.  We are experienced with insurers assuming the risk either fractionally or wholly in both primary and excess layers on various policy types, including, “all-risks,” fire, named peril, builder’s risk, business interruption, and boiler and machinery contracts.  We have handled numerous losses involving participation by several market participants.
It is our main goal to procure the best and most expeditious outcome consistent with the policy’s provisions through meticulous legal analysis.
Importantly, in the event allegations arise involving bad faith, unfair claims handling, deceptive trade practices, and/or unfair consumer practices, our attorneys are experienced in vigorously defending those claims and other extra-contractual loss claims.
A significant part of our practice consists of providing insurance carriers with opinions in regard to coverage. Whether or not coverage exists depends upon a multitude of circumstances – the property damage, the people who were hurt, and the language contained in the policy or policies. Our attorneys provide advice to clients as to whether coverage exists under the particular circumstances and litigate the issues of whether coverage exists when necessary.
Third-Party Property Defense
 
Our attorneys routinely provide a thoughtful and stalwart defense of third-party property and personal injury cases where fraud is suspected and misrepresentations have been made.
Other services
We can provide you with draft Reservation of Rights Letters for either your letterhead or the letterhead of the outside independent adjuster.
We can provide White-Waiver Agreements as to any settlement meetings that may arise as part of the claim resolution process.
We conduct Examinations Under Oath to assist insurers in analyzing suspicious claims as well as various property claims involving misrepresentation, concealment, and fraud issues.
We can also prepare Confidentiality Agreements where it is necessary to protect either the confidential or proprietary information of your Policyholders.