Hozubin, Moberly, Lynch & Associates is proud to represent standard line insurers who write homeowner and automobile insurance policies throughout the State of Alaska. These areas are a central part of our insurance defense practice, and insurance providers throughout the State rely on our lawyers for experience and professional counsel. We provide a streamlined and cost-effective service backed by proven strategies and state-of-the-art legal technology to help keep costs low. Whether we are providing individual guidance for the insured and self-insured in litigation, or we are directly protecting the interests of an insurance carrier, we put years of legal experience behind our clients.
Our homeowners’ representation is equipped to manage cases of:
- Fire Loss [more information below]
- Storm Damage
- Mold
- Flood
In automobile defense, our attorneys handle a full range of issues, including:
- Ownership
- Stacking of Coverage
- Exclusions
- Cancellations
- Permissive Use
Fire Losses
An early, high quality origin and cause investigation can deliver several benefits to an insurer or self-insured.
- It may determine that the origin of the fire was not the particular product insured by the carrier or manufactured by the self-insured thereby eliminating liability.
- It could determine that the loss was of incendiary origin thereby implicating the insured and voiding the insurance policy.
- It may determine that the cause was an individual or product who has insurance thereby providing for subrogation recovery for the loss.
Hozubin, Moberly, Lynch & Associates has significant experience in all three of these. They have represented a number of carriers in claims beginning with the investigation at the scene working with fire department investigators, engineers, and professional photographers and other experts, through the pre-litigation statement phase, to trials and appeals.
We have handled a large number and tried to a jury eight first-party actions involving arson and insurance fraud. Mr. Lynch is a 10-year member of the board of directors and an instructor at the annual training programs for the Alaska Association of Fire and Arson Investigators. He has also attended training programs put on by State Farm Fire & Casualty, the Oregon Fire Marshals’ Office and other public agencies. Mr. Lynch and Ms. Hozubin were also presenters at the 2015 Alaska Association of Fire and Arson Investigators 2015 Training Conference speaking on the topics of writing investigative reports that will survive cross-examination, the “Scientific Method” in investigation and report writing, and drafting a curriculum vitae.
We have handled such cases involving significant damage to or destruction of:
- Commercial power generation facility
- Aircraft hanger
- Spa
- Commercial office building
- Restaurant
- Residences
- Motor vehicles