First-Party Insurance Claims Defense Attorneys in NY & NJ

Proactive Defense for Direct Policyholder Disputes

First-party claims create direct friction between insurer and insured—often involving property damage, business interruption, or suspected fraud. At Larkin Farrell, we defend insurance carriers across New York and New Jersey in complex first-party disputes involving exclusions, valuation disagreements, and exaggerated losses.



We manage claims efficiently, resolve disputes when possible, and aggressively litigate when needed.

Our First-Party Defense Services Include:

  • Property damage claims (residential and commercial)
  • Business interruption and loss-of-income claims
  • Environmental damage or disaster-related losses
  • Vandalism, theft, and fraud-based claims
  • Bad faith allegations tied to first-party disputes
  • Denial or limitation based on policy exclusions or non-cooperation


We conduct detailed investigations, consult with adjusters and technical experts, and provide strategic coverage analysis to limit unnecessary payout exposure.

Key Considerations in First-Party Litigation

Exclusions Must Be Clear and Enforceable

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We review your policy language and case law to defend valid denials based on properly drafted exclusions.

Insured Conduct Can Be a Factor

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We identify misrepresentation, failure to mitigate, and non-cooperation as potential defenses in many claims.

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Fraud Can Be Subtle—but Costly

From staged losses to inflated inventories, we work with forensic experts to challenge suspect claims.

Frequently Asked Questions

  • What are first-party claims?

    These are claims brought by the policyholder themselves for covered losses under their own policy—often related to property or business.

  • What are common areas of dispute?

    Valuation of damage, coverage scope, deductible applications, and timing of payment are common friction points.

  • How do you handle exaggerated or fraudulent claims?

    We work with investigators, forensic accountants, and technical consultants to uncover inaccuracies or misconduct.

  • Can these cases lead to bad faith exposure?

    They can—but only when the insurer fails to act reasonably. Our documentation and compliance review help prevent that risk.

Focused. Forensic.
First-Party Defense.

When a claim puts your underwriting decisions under the spotlight, you need clarity and experience on your side. Larkin Farrell defends first-party claims with diligence and strategic precision.

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