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Zerbe, Miller, Fingeret, Frank & Jadav understands that insurance policies represent binding contracts between policyholders and their insurance carriers. Home owners and business owners alike are committed to honoring their promise to pay insurance premiums each and every month. But when a tragedy strikes, many insurance carriers fail to honor their only obligation, which is to make a full and timely payment of proceeds to cover those catastrophic losses.

Our firm is committed to protecting the rights of policyholders and making the insurance company uphold its end of the bargain. We maintain a current and evolving knowledge of the laws, rights and responsibilities that protect property owners from carriers that deny, underpay, or delay payment for covered losses across the United States. This includes insurance disputes ranging from fire, tornadoes, hail, and hurricanes, to theft of property, business interruption, and all catastrophic-weather related events.

Latest news from our First Party Practice


ZMF SECURES APPRAISAL VICTORY FOR ELDERLY FAMILY

For residential and commercial property owners alike, the appraisal process can be as nebulous as it is unfamiliar. Many times, policyholders find themselves not only pitted against their own insurance carrier, but also the very contractors and appraisers who they retained to advocate on their behalf. Worse yet, appraisal can become a protracted process due…

I HAVE WATER DAMAGE IN MY HOME OR BUSINESS DUE TO A PIPE BREAK!! SO WHAT DO I DO NOW?!

As this article goes to print, Texas residents and business owners will have suffered hundreds of millions of dollars in property damage due to the recent Arctic outbreak that migrated to the Lone Star State. Homes and business throughout the southwest are facing consequences because water pipes are breaking.  The effects of this meteorological phenomenon is…

ZMF RESOLVES SEVERELY UNDERPAID PIPEBREAK CLAIM FOR HOUSTON RESIDENT, AND STANDS READY TO ASSIST OTHER POLICYHOLDERS IN NEED

As we write this very article, Texas residents across the state are experiencing a type of loss previously rare to this region: pipe breaks caused by freezing temperatures.  Due to the arctic cold snap that has pushed through South Texas over the past week, our fellow residents have endured horrific weather conditions, suffered incredible property…

ZMF SUCCEEDS FOR POLICYHOLDER WHERE OTHER FIRMS FAIL

Policyholders must carefully select their attorney in the world of first party insurance disputes.  Indeed, this is a specialized area, and not all lawyers possess the background and experience to navigate the precarious waters within first party practice.  A recent ZMF client, previously represented by other counsel, learned this lesson the hard way, experiencing years…

ZMF SETTLES HALF MILLION DOLLAR FIRE CASE

In many instances, underpayment of a claim is just as detrimental to a property owner as a complete denial.  Policyholders left with a small check, but without the ability to translate those funds into necessary repairs to their home or business.  Such was the case with a ZMF client who experienced a house fire.  Paid…

ZMF MAKES IMMEDIATE IMPACT ON A FAMILY’S TRAGIC FIRE CLAIM

Whether caused by hurricane, flood, vandalism, or theft, the losses suffered by residential and business owners to their property is very personal. But this loss is magnified incredibly in the event of a fire. A family owned restaurant chain learned this intimately when it lost its entire business after a fire ravaged Brent’s Beer & Burgers, a restaurant with locations throughout the country.

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