If you own a home, a business, or are a developer or contractor, chances are you may come across a situation where you thought you had insurance, but the insurance company disclaims coverage to you for any one of dozens of reasons.
It is also common, that when you hire a contractor or subcontractor, or are a commercial landlord, in your contract or lease your contractor or tenant is supposed to have a certain type of insurance, but they don't.
The insurance companies aren't always right, and you may be able to sue them to get coverage. Even if they are right, you may be able to sue someone else if it's their fault you don't have insurance coverage. Consult with an attorney who has experience in insurance coverage litigation as soon as possible, or you may waive certain rights.