John W. Tower is a top rated attorney with over 30 years of experience. He has achieved the highest AV rating bestowed by the preeminent attorney rating company, Martindale Hubbell. He is respected by his peers in the legal community and his efforts and results are appreciated by his clients. After working in a mid-size law firm handling civil litigation matters for both Plaintiffs and Defendants and a small firm handling various types of litigation, he applied his experience and expertise to form TowerLaw San Diego as a boutique firm specializing in targeted practice areas to deliver the best possible first hand legal representation. You will always deal directly with John who represents a wide variety of individual and business clients in legal disputes in both state and federal courts. He has litigated a number of cases against large insurance companies for failure to honor claims, as well as other types of personal and business litigation. While Mr. Tower maintains his office in the city of Encinitas located in the coastal North County area of San Diego County, he handles litigation matters in both state and federal courts throughout Southern, Central and Northern California. Mr Tower is an experienced San Diego Lawyer you can count on with focus on the following areas: Long term disability insurance claims require prompt, specialized attention since an insurance company's refusal to pay those benefits can have dramatic financial and quality of life impacts. Claims for disability benefits under plans or policies provided by an employer are usually governed by a federal law entitled the Employee Retirement Income Security Act which is commonly referred to as ERISA. Unlike policies purchased directly by an individual which are governed by state law, ERISA claims have a completely distinct set of federal standards that apply. These types of claims require experience and expertise to maximize the client's recovery. Mr. Tower has assisted many clients in getting claim denials reversed, in some cases without having to file a lawsuit, and in others by way of settlement or judgment after filing a legal action. Jurisdiction for most long term disability claim lawsuits rests with the federal courts. Mr. Tower has extensive experience handling federal ERISA disability claim cases and is familiar with the procedural ins-and-outs of the federal court system. Insurance Litigation Mr. Tower represents clients who are having problems with pending claims or have had a claim denied by their insurance company. He handles cases involving coverage, breach of contract and bad faith claims arising out of all types of policies including homeowner's, liability, long term care and disability insurance. He has successfully litigated a number of cases to favorable jury verdicts and has also handles appeals in the insurance arena. Civil Litigation Mr. Tower handles civil litigation matters involving insurance, construction defects, property damage, wildfire losses, personal injury, collections, breach of contract, business litigation, real estate non-disclosure as well as other types of civil actions. He has experience representing both Plaintiffs and Defendants. Insurance Law Personal injuries impact clients on many levels due to the varied consequences of physical injuries and typically involve, in addition to medical problems, issues regarding insurance and medical liens that are often quite complex. Mr. Tower understands the total situation his personal injury clients face and diligently pursues all aspects of the claim/case to maximize his client's recovery. If you have a business interruption insurance claim , call today.