Practice Areas

First - Party Property

Hightower, Stratton, Novigrod & Kantor represents major national carriers from all major insurance markets in complex, large-value first-party coverage disputes under a full range of commercial property policies, as well as first-party property facultative and treaty reinsurance exposures. Our representations include advising insurers and reinsurers over the course of claim adjustment on coverage, allocation, and aggregation. We excel at finding the best strategic approach in connection with various issues, including dealing with threshold questions of whether coverage is provided by all-risk, DIC/DIL, and CAR/EAR policies, as well as the construction and effect of coverage exclusions.

First-party property issues handled by our group also include whether a loss falls within a policy period and/or whether it is excluded on known loss, loss in progress, and other fortuity grounds. Additional issues include trigger and number of occurrences/aggregations, late notice and suit limitation, the scope of environmental clean-up costs, pollution time-element claims, settlement, and other earth movement claims, unscheduled and newly acquired locations concerns, actual cash value v. replacement cost, depreciation, holdback, appraisals and other valuation issues, and code compliance and code upgrade coverage. Our attorneys also reconcile coverages provided by other insurance, allocation of losses among policy periods, and offsets, as well as deal with business interruption/contingent business interruption damages.


Our Awards & Accolades


What Our Clients Say

As a Commercial Trucking Litigation Supervisor, I have found Hightower, Stratton, Novigrod & Kantor to be not only extremely knowledgeable but personable and readily available. It is difficult in today’s commercial claims arena to find a Defense Firm who is willing to accept the challenge of mitigating the existing exposures by building a solid yet economically feasible defense. My comfort level in combatting the litigious mentality of some is by far exceeded with Hightower, Stratton, Novigrod & Kantor.
Dale, I just wanted to let you know in all my past experience as a Florida Adjuster how impressive I think Herb is. He does an amazing job not only with the critical incidents but in every aspect of the claim from medical specials to property damage issues. He is an incredible asset to us and our client with his consistency, reliability, responsiveness and knowledge. In our line of work folks are very quick to complain (present company included of course) and rarely take the time to call someone our when they do an amazing job. I am taking a minute to let you know but I am sure you already know that about him! Thank you and your team for all you do!
markel logo
Lee and his team at Hightower do a fantastic job with our construction cases. They are zealous in their defense of clients, practical in their assessments and tremendous communicators about the ins and outs of cases. I continue to be thankful for their representation of our insureds and for their professionalism and friendship.
Floor and decor
Michael and his team at Hightower, Stratton, Novigrod & Kantor are incredibly knowledgeable about Premises Liability Law and are exactly the kind of trusted partners our company values. They instill a sense of confidence by laying out the facts, case law, and risk assessment to help make well-informed decisions. They are not afraid to defend vigorously, while maintaining professionalism and civility. If I need to engage outside counsel, I would turn to Hightower, Stratton, Novigrod & Kantor without hesitation.
Dan Novigrod and his team are very professional, thorough, proficient, and knowledgeable.  They take time to explain matters that may be unclear and they were very flexible in scheduling. Dan’s team demonstrated an ability to grasp our unique qualities and tailor their approach to the case accordingly. I absolutely would recommend them and definitely intend to continue using them for the foreseeable future!