First Party Defense & Insurance Coverage

Our attorneys are skilled in handling first party claims involving allegations of breach of contract, uninsured/underinsured motorist coverage, bad faith, fire losses, AOB’s and AOC’s, homeowners claims and fraud. WPS attorneys are also experienced in providing coverage investigations, conducting EUO’s, and providing opinions and defense in both first and third party cases. WPS was asked to obtain a court ruling interpreting the uninsured motorist statute, which it did through trial and appeal, and it is still relied on in the industry today.

Wade, Palmer & Shoemaker is often called upon by insurers to provide professional opinions on a multitude of insurance coverage issues. We thoroughly analyze questions of coverage and present informed recommendations to our clients, which enables our clients to make reasoned and fair decisions concerning their policyholders. We have examined and written opinions as well as appeals on a variety of issues, including stacking of coverage and priority of payment in uninsured motorist claims, reservation of rights, preservation of policy defenses, apportionment of claims involving multiple first-party property coverage, and the effect of policy conditions and exclusions. In order to resolve coverage disputes, we have successfully filed and litigated declaratory judgment actions in both the trial and appellate courts throughout Northwest Florida.

We routinely represent insureds in claims brought by third parties including all personal injury, construction defect, defense of directors and officers, general business torts, general premise liability, product liability, professional liability defense, errors and omissions claims and real estate agent claims.

The attorneys at Wade, Palmer & Shoemaker have tried numerous cases on behalf of Insurers regarding the issues of flood vs. wind, VPL as well as other issues intrinsic to Hurricane claims over the last decade and are well versed in all aspects of these matters.