Marine Insurance
Houck Anderson P.A. has a significant practice devoted to marine insurance matters. Marine insurance clients regularly ask the firm to investigate coverage issues and to provide legal opinions with respect to the availability of coverage for a particular loss. The firm's attorneys also have substantial experience litigating on behalf of underwriters' interests in declaratory judgment actions and coverage litigation in state and federal courts.

The firm responds to claims of insureds made to the Florida Department of Insurance and deals with regulatory matters before that department on behalf of insurers. Through years of working with London and domestic marine insurers, we have developed a thorough understanding of the nuances of marine insurance practice and policies.  We assist clients in drafting, reviewing and analyzing policy language for marine insurance policies of all types. We are also frequently called upon to assist our clients in adjusting and settling first party hull and machinery insurance claims.

Protection and Indemnity Claims
Houck Anderson P.A. has been appointed as legal correspondent for protection and indemnity clubs and associations from England, Scandinavia, and elsewhere in Europe and the world. We are appointed on a regular basis by major protection and indemnity insurers in the United States to represent and defend their members and insureds for a wide variety of claims and litigation. These matters involve collisions, groundings, vessel sinkings, wreck removal, environmental damage, crew and passenger claims, stowaways, oil spills and similar concerns.

Aviation Insurance/Audit 

We are often retained to perform audits of both commercial and charter operators to determine the means and methods of maintenance performed, the currency of its General Operations and Maintenance Manuals and computerized maintenance program, currency of maintenance checks and the type and frequency of pilot training.  This form of risk management is being embraced more and more by insurers who want to add to its underwriting arsenal the ability to qualify and determine the expertise represented by the prospective or current insured.

Property and Casualty - Insurance Coverage
The Property and Casualty Group successfully represents automobile, corporate fleet, rental vehicles, marine, homeowners, commercial vehicle, and trucking insurers in insurance coverage matters. Our expertise includes both trial and appellate practice in State and Federal Courts.

Our attorneys are also experienced in providing coverage opinions on various matters, including insurance policy provisions regarding material misrepresentation, fraud, failure of conditions precedent to coverage, failure of cooperation, cancellation of the policy, uninsured/underinsured motorist coverage, priorities of coverage, excluded driver issues. We also provide up to the minute research on statutory interpretation of policy language.  We are meticulous in the detail of our research that goes into the formation of such opinions. We understand that our role is to protect the insurers who are our clients.

Our attorneys are well versed in the complex underwriting policies and practices of different insurance carriers and have a great deal of experience litigating the applicability of underwriting guidelines and insurable risks.  We have many long-term clients who rely upon our experience and thorough knowledge of their company’s practices and procedures. We understand that an expeditious resolution of coverage claims is highly favored by our clients.