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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Agreed. First rule is get a copy of the policy and read it carefully. Get from client AND the insurer.<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> wsbapt-bounces@lists.wsbarppt.com <wsbapt-bounces@lists.wsbarppt.com>
<b>On Behalf Of </b>Umar Gebril<br>
<b>Sent:</b> Thursday, January 26, 2023 11:37 AM<br>
<b>To:</b> WSBA Probate & Trust Listserv <wsbapt@lists.wsbarppt.com><br>
<b>Subject:</b> Re: [WSBAPT] Statute of Limitations on Insurance Claims<o:p></o:p></span></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Dave,
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Most (but not all) insurance policies have a 1 year “suit of limitations” clause in the policy itself that limits your client’s timeframe for a potential breach of contract
cause of action. Outside of that, both the tort of bad faith and violations of the Insurance Fair Conduct Act (RCW 48.30.015) generally have a 3 year SOL.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Insurance bad faith is the bulk of our practice – feel free to give me a call if you’d like to chat further.
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">Umar<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in"><span style="font-size:11.0pt;font-family:"Century Schoolbook",serif;color:black">Umar Gebril</span><span style="font-size:11.0pt;font-family:"Century Schoolbook",serif;color:#385723"> | Attorney | Partner<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><b><span style="font-size:11.0pt;font-family:"Century Schoolbook",serif;color:#385723">Cascade Law PLLC</span></b><span style="font-family:"Century Schoolbook",serif;color:#385723"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="font-size:11.0pt;font-family:"Century Schoolbook",serif;color:#002451"><a href="http://www.cascade-law.com"><span style="color:#0563C1">www.cascade-law.com</span></a>
<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="font-size:11.0pt;font-family:"Century Schoolbook",serif;color:#385723">2707 Colby Avenue, Suite 1420</span><span style="font-family:"Century Schoolbook",serif;color:#385723"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="font-size:11.0pt;font-family:"Century Schoolbook",serif;color:#385723">Everett, WA 98201</span><span style="font-family:"Century Schoolbook",serif;color:#385723"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="font-size:11.0pt;font-family:"Century Schoolbook",serif;color:#385723">425.998.8999 main<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-bottom:0in"><span style="font-size:11.0pt;font-family:"Century Schoolbook",serif;color:#385723">425.300.5616 direct<o:p></o:p></span></p>
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<p class="MsoNormal"><span style="font-size:7.0pt;font-family:"Century Schoolbook",serif;color:black;background:white">Confidentiality Notice: This e-mail message, from Cascade Law PLLC, including any attachments, is for the sole use of the intended recipient(s)
and may contain confidential and privileged information. The recipient is responsible to maintain the confidentiality of this information and to use the information only for authorized purposes. If you are not the intended recipient (or authorized to receive
information for the intended recipient), you are hereby notified that any review, use, disclosure, distribution, copying, printing, or action taken in reliance on the contents of this e-mail is strictly prohibited. If you have received this communication in
error, please notify us immediately by reply e-mail and destroy all copies of the original message.</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in"><b><span style="font-family:"Calibri",sans-serif;color:black">From:
</span></b><span style="font-family:"Calibri",sans-serif;color:black"><<a href="mailto:wsbapt-bounces@lists.wsbarppt.com">wsbapt-bounces@lists.wsbarppt.com</a>> on behalf of Dave Culbertson <<a href="mailto:dculbertson@culbertsonlawoffice.com">dculbertson@culbertsonlawoffice.com</a>><br>
<b>Reply-To: </b>WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>><br>
<b>Date: </b>Thursday, January 26, 2023 at 11:33 AM<br>
<b>To: </b>"<a href="mailto:solo-and-small-practice-section@list.wsba.org">solo-and-small-practice-section@list.wsba.org</a>" <<a href="mailto:solo-and-small-practice-section@list.wsba.org">solo-and-small-practice-section@list.wsba.org</a>>, "<a href="mailto:creditor-debtor-section@list.wsba.org">creditor-debtor-section@list.wsba.org</a>"
<<a href="mailto:creditor-debtor-section@list.wsba.org">creditor-debtor-section@list.wsba.org</a>>, "<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>" <<a href="mailto:wsbapt@lists.wsbarppt.com">wsbapt@lists.wsbarppt.com</a>>, "<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>"
<<a href="mailto:wsbarp@lists.wsbarppt.com">wsbarp@lists.wsbarppt.com</a>><br>
<b>Subject: </b>[WSBAPT] Statute of Limitations on Insurance Claims<o:p></o:p></span></p>
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<p class="MsoNormal" style="margin-bottom:0in"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p> </o:p></span></p>
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<p class="MsoNormal">Hi, Listmates.<o:p></o:p></p>
<p class="MsoNormal">I’m helping a client make a claim under an insurance policy—their business was damaged by a neighboring business springing a leak and flooding into their store.
<o:p></o:p></p>
<p class="MsoNormal">What if any statutes of limitation or administrative rules in WA affect the time in which a claim can be made under an insurance policy in WA? I don’t think we have a problem because the events happened within the last year, but I’d like
to make sure.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:0in"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:0in">Best Regards,<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:0in"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:0in">Dave Culbertson<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:0in"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom:0in"><b>The Law Office of Davisson Culbertson</b><o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:0in">PO 20403<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:0in">Seattle, WA 98102<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom:0in"><i><o:p> </o:p></i></p>
<p class="MsoNormal" style="margin-bottom:0in"><i>Phone: </i>(206) 478-8134<i><o:p></o:p></i></p>
<p class="MsoNormal" style="margin-bottom:0in"><i>FAX: </i>(866) 867-7796<i><o:p></o:p></i></p>
<p class="MsoNormal" style="margin-bottom:0in"><a href="mailto:dculbertson@culbertsonlawoffice.com" target="_blank"><i>dculbertson@culbertsonlawoffice.com</i></a><o:p></o:p></p>
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<p class="MsoNormal" style="margin-bottom:0in"><span lang="ES"><o:p> </o:p></span></p>
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