Paul L. LaSalle focuses his practice of law in first party property damage cases and bad faith litigation. Prior to joining the Merlin Law Group, Mr. LaSalle defended public entities and public employees in civil rights, personal injury and employment litigation matters. He uses his prior experience working with insurance companies to be a passionate and prudent advocate for policy holders to ensure they receive all deserved benefits from their insurance policies following their losses.
Mr. LaSalle has litigated hundreds of varying types of civil cases. He has substantial appellate experience, having argued a dozen appeals before state and federal courts. He has also successfully petitioned, then won a case before, the Supreme Court of New Jersey.
Mr. LaSalle is a Cum Laude graduate of Monmouth University and the University of Dayton School of Law, where he earned the highest grade in his legal research and writing class. He is a life-long resident of Monmouth County, New Jersey. When not working hard for his clients, Mr. LaSalle spends his time at the beach with his family.
Insurers often try to limit damages once they are found liable for breach of the insurance contract by claiming that the insurance policy limits the insured’s recovery to the actual cash value because the insured did not comply with the policy’s condition on recovering replacement cost.1… Continue Reading
Most property insurance policies exclude coverage for damages caused by the freezing of household systems or appliances unless the insured used reasonable care to maintain heat in the building or shut off the water supply and drained all systems and appliances of water. Courts interpreting the “freezing exclusion” have generally found that the language within … Continue Reading
With frigid temperatures setting in here in the Northeast and other parts of the country, it is an ideal time for insureds to ensure they are compliant with the protective safeguards1 endorsement that may be attached to their commercial policies.… Continue Reading
In a recent case,1 a federal court dismissed a flood claim following a nor’easter storm because the insureds’ proof of loss under the National Flood Insurance Act failed to satisfy the Standard Flood Insurance Policy’s (“SFIP”) “signed and sworn” requirement.2 In that case, the insureds submitted two claims to recover damages from the storm to … Continue Reading
In a previous post, Insurance Company Acting in Bad Faith? Pennsylvania Protects Policyholders if Facts Are Plead, I discussed the importance of Pennsylvania’s insurance bad faith statute1 and how insurers routinely attempt to avoid litigating the substance of those bad faith claims by filing motions to dismiss alleging pleading deficiencies. Recently, the District Court for … Continue Reading
Insurance policies ordinarily contain terms that provide that an insured must exhibit the damaged property for the insurance company’s inspection after a loss. The same policies also provide that an insured has a duty to mitigate damages to the property to prevent further damages. Does an insured breach the insurance policy by preventing the insurance … Continue Reading
Policyholders need insurance laws which protect them if their insurance company delays, denies or wrongfully adjusts their claim. Attorneys have long recognized that insurance law is a specialized niche area of the law with strange nuances. Attorneys not dedicated to this field of law may fail to appreciate or may even miss small but important … Continue Reading