Law Office of Herman I. Kalfen - Civil Litigation - Business Law - Environmental

Call anytime 415.935.5555
TOLL FREE 1.888.415.WINS


I have assisted individuals, businesses, and major corporations in negotiations with insurance companies regarding claims worth millions of dollars.  I can assist you in getting what you are entitled to. 

Your insurance company is not your friend.  It will do all it can to minimize the amount of money it must pay out.  It often oversteps the bounds of good faith and fair dealing.

I can be your attorney for negotiations with the insurance companies to help maximize your recovery.  I can also represent you in the role of Cumis Counsel as well as Coverage Counsel when appropriate and necessary, often at no cost and huge advantage to you.

Your lawyer’s thorough knowledge of insurance issues is often critical to the success of your case. 

For example, in personal injury cases, insurance is often needed to obtain all necessary medical treatment.  Does your attorney know how to trigger Med Pay? 

In Environmental and Business cases, the knowledge about insurance may be the difference between success and bankruptcy. 

While your at it, ask your lawyer if he ever subpoenaed an insurance company.

Here are three (3) facts that most lawyers do not know about insurance:

  1. The Insured can recover attorneys’ fees “reasonably incurred to compel payment of the policy benefits.”  Such fees are called Brandt Fees and they must be claimed and won to be awarded.  Ask your lawyer if he / she knows what Brandt Fees are.
  2. Insurance Companies may insist on a White Waiver.  You will be hard pressed find many lawyers who can tell you what a White Waiver is.  Ask your lawyer.
  3. Old insurance policies can still pay out.  For example, General Liability policies prior to around 1987 did not have pollution exclusions and those old policies can pay claims and a provide defense related to pollution that you discover today.  Ask your lawyer if he / she even knows that old policies might pay for current discovered damage or current lawsuits.


No Legal Advice is given in this website.

Law Office of Herman I. Kalfen - Civil Litigation - Business Law - Environmental

Kalfen Law Corporation
Herman I. Kalfen, JD, REA, NAEP

4 Embarcadero Center, Suite 1400
San Francisco, California 94111

Call Anytime - 415.935.5555
TOLL FREE 1.888.415.WINS

Copyright © 2008- Herman I Kalfen. All Rights Reserved | DISCLAIMER

Providing legal services to all of California
Including the following San Francisco Area Cities

San Mateo County, California

Atherton • Belmont • Brisbane • Burlingame • Colma • Daly City • East Palo Alto • Foster City • Half Moon Bay • Hillsborough • Menlo Park • Millbrae • Pacifica • Portola Valley • Redwood City • San Bruno • San Carlos • San Mateo • South San Francisco • Woodside

Santa Clara County, California

Alum Rock • Cambrian Park • Willow Glen • East San Jose • Alviso • Campbell • Cupertino • Gilroy • Los Altos • Los Altos Hills • Los Gatos • Milpitas • Monte Sereno • Morgan Hill • Mountain View • Palo Alto • Santa Clara • Saratoga • Sunnyvale

Santa Cruz County, California

Capitola • Santa Cruz • Scotts Valley • Watsonville

Solano County, California

Benicia Dixon Fairfield Rio Vista Suisun City Vacaville Vallejo

Sonoma County, California

City of Cloverdale • City of Cotati • City of Healdsburg • City of Petaluma • City of Rohnert Park • City of Santa Rosa • City of Sebastopol • City of Sonoma • Town of Windsor

Alameda County, California

Alameda • Albany • Berkeley • Dublin • Emeryville • Fremont • Hayward • Livermore • Newark • Oakland • Piedmont • Pleasanton • San Leandro • Union City

Contra Costa County, California

El Cerrito • Hercules • Pinole • Richmond • San Pablo • Clayton • Concord • Danville • Lafayette • Martinez • Moraga • Orinda • Pleasant Hill • San Ramon • Walnut Creek • Antioch • Brentwood • Oakley • Pittsburg

Marin County, California

Belvedere • Bolinas • Corte Madera • Dillon Beach • Dogtown • Fairfax • Inverness • Inverness Park • Kentfield • Lagunitas-Forest • Knolls • Larkspur • Marshall • Mill Valley • Muir Beach • Nicasio • Novato • Olema • Point Reyes Station • Ross • San Anselmo • San Geronimo • San Rafael • Sausalito • Stinson Beach • Tiburon • Tomales • Woodacre

Napa Valley, California

American • Canyon • Calistoga • Napa • St. Helena • Yountville

San Benito County, California

Hollister • San Juan Bautista • Tres Pinos • Aromas • Paicines • Ridgemark