Erin M. Raschke

Erin Raschke practices in the area of insurance and reinsurance. She has exclusively represented insurers and their agents since she joined Phelps Dunbar in January 2008. Her practice is focused on complex insurance coverage, counseling, and litigation and includes advising and defending insurers regarding allegations of insurer “bad faith.”

Erin advises surplus lines and admitted, both foreign and domestic, insurance carriers and routinely represents them in both state and federal courts in Florida, including at the appellate level, in complex third-party coverage matters arising under commercial general liability, professional liability, errors and omissions, premises liability, commercial auto, and specialty lines policies, among others. She counsels and litigates liability coverage matters for insurers involving issues such as the duty to defend and duty to indemnify. Erin also advises liability insurers regarding time-limited and other settlement demands made by third-party claimants and regarding best practices in situations involving the potential for excess exposure to insureds and in multiple-claimant situations where the available insurance coverage is limited. She manages a nationwide book of business involving a multitude of third-party coverage and litigation matters and has served as coverage or advisory counsel for insurers regarding claims arising in a number of states outside of Florida, including Alabama, Arizona, Arkansas, California, Georgia, Illinois, Michigan, New York, Oklahoma, Washington State, and West Virginia.

She advises and represents insurers regarding complex first-party coverage and defense matters arising under various types of policies, including commercial property, homeowners, builders risk, commercial auto, and other property insurance policies, as well as disability insurance policies. Her experience with first-party claims includes losses caused by windstorm, water damage, fire, vandalism, theft, and fraud and claims involving building, personal property, business interruption, loss of use, additional living expense, and lost earning capacity components, as well as appraisal.

In addition, Erin counsels and represents surplus lines insurers and their managing agents regarding Florida regulatory and compliance matters and issues arising under the Florida Surplus Lines Law, including representing surplus lines insurers in class action litigation at the appellate level.

In the summer of 2016, Erin completed a secondment in the Lloyd’s, London insurance market, where she assisted and advised the liability claims team of a leading Lloyd’s syndicate on a broad range of liability claims at all phases of the claims process, from investigation and adjustment to coverage analysis, litigation, and resolution.

Given her appellate experience, she assists other practice groups within the firm with appellate litigation. She has handled appeals and presented oral argument in Florida’s District Courts of Appeal and in the Eleventh Circuit.