Property Insurance Law
Janice Ramsay has practiced law in the field of property insurance law since 1971. During her career, she has given advice on coverage questions, underwriting procedures, rescission rights, claims handling, and insurers legal and policy obligations. She has experience with both commercial and personal lines policies.

Types of Losses
She has dealt with claims involving diverse issues such as fire losses, organized insurance fraud, landslides, earthquakes, water damage, mold, defective construction, latent defects, riots, acts of civil authority, business interruption, employee dishonesty, suit limitation issues and mortgagee rights.

Claims Procedures
Ms. Ramsay is familiar with the business of insurance and the legal framework of that business and has performed the procedures that are unique to the claims process such as examinations under oath, and appraisals. Ms. Ramsay has drafted or revised insurance policies for several insurance companies and has handled coverage litigation.

Industry Reputation
She has been a frequent speaker at industry and in-house seminars. Ms. Ramsay founded the law firm of Ramsay and Johnson, ALC in 1984. She merged her practice and that firm with Berger Kahn LLC in 1999. Since the late fall of 2007, she has primarily worked independently as an expert witness and consultant to other attorneys.