Insurance coverage (and the related litigation) generally involves a dispute between an insurance company (insurer) and its policyholder (insured) regarding whether a loss suffered by the insured is covered by the insurance policy issued by the insurer.

Such coverage disputes may arise after the insured suffers a loss due to theft, fire, or other event—or when an insured (person or business) is served with a lawsuit and requests the insurer defend the insured in the lawsuit, but the insurer denies coverage or only agrees to defend the lawsuit under a reservation of rights (ROR).

Insurance contracts and insurance coverage issues are often complex and an insured is often well-served by promptly discussing these matters with an experienced insurance coverage lawyer.

In Washington State, insurance coverage disputes typically involve disagreements between an insurer and the insured over whether a particular loss is covered under the terms of the insurance policy. These disputes can occur in various situations, such as after the insured experiences a loss from theft, fire, or another covered event, or when the insured is named in a lawsuit and seeks defense from the insurer. The insurer may deny the claim, offer partial coverage, or agree to defend under a reservation of rights (ROR), which allows the insurer to provide a defense while reserving the right to deny coverage later. Insurance policies are complex documents, and the interpretation of coverage can be legally challenging. Washington State has specific laws and regulations governing insurance contracts, and courts often play a key role in resolving such disputes. Given the complexity of these matters, individuals and businesses facing insurance coverage issues in Washington are advised to consult with an attorney who specializes in insurance law to ensure their rights are protected and to navigate the legal process effectively.