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Charles K. Davis


Phone: (206) 340-8853
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Email: Charles K. Davis
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A partner in the firm, Charles represents contractors, developers, homeowners, and other policyholders in insurance coverage litigation, construction defect litigation, and appeals.

In his practice, Charles assists policyholders in a wide array of tasks including spotting and analyzing coverage issues, preparing claims and proofs of loss, giving notice to insurers and tendering claims for benefits, negotiating settlements, bringing actions against insurers for breach of contract and bad faith, and working with policyholders to find unique and adaptive strategies to meet their coverage goals.

In addition to his coverage work, Charles represents business owners, developers, and general contractors in complex litigation, including litigation involving real estate development, environmental issues, and business disputes.

During law school, Charles served as an extern to the Honorable Ricardo Martinez, U.S. District Court, Western District of Washington, and as a Law Clerk with the Washington State Attorney General’s Office, Government Operations Division.

Charles’s passion stems from the reality that businesses and people depend on insurance to protect their homes, families, and livelihoods. He is driven to see that insurers provide the protection their policyholders have bought and paid for.

Areas of Practice
  • Insurance Coverage Law
  • Construction Defect Law
  • Seattle University School of Law (J.D., 2006)
    • Summa Cum Laude
    • Associate Editor, Seattle University Law Review
  • University of Washington (B.A., 1993)
Professional Activities
  • Washington State Bar Association
  • King County Bar Association
Admitted to Practice

Washington State and Federal Courts

  • 2023 – Selected as a Washington Super Lawyer
  • 2016 – Selected for inclusion in Washington Rising Stars
  • 2015 – Selected for inclusion in Washington Rising Stars
  • 2014 – Selected for inclusion in Washington Rising Stars
  • 2012 – Selected for inclusion in Washington Rising Stars
  • 2011 – Selected for inclusion in Washington Rising Stars
  • Bank of America v. Travelers Indemnity Co., et al. Represented Bank of America in a lawsuit seeking insurance coverage for an underlying environmental contamination lawsuit involving property held by the Bank in trust.
  • GCG Associates LP v. American Casualty Company of Reading, PA Represented the owner/operator of a retirement community whose building had suffered severe property damage. The lawsuit sought first-party benefits from the property insurer to help pay for necessary repairs. The insurance company settled three days before trial.
  • Windward Enterprises, LTD. v. Mutual of Enumclaw Ins. Co. Represented a condominium developer seeking defense fees and indemnity for an underlying construction defect lawsuit. Succeeded in convincing the insurance carriers to fund the defense and settlement despite significant coverage challenges.

Charles Davis News

Charles Davis

Court of Appeals Rules that Condominium Association Can Pursue Statutory Bad Faith Claims Notwithstanding Expiration of Policy’s Suit Limitation Clause

A property insurance policy’s suit limitation clause stated that a condominium association had to file a lawsuit against its insurer within one year after discovering its loss.  The association failed to meet the one-year deadline, and a King County trial court dismissed the association’s lawsuit—including its claims for statutory bad…
Charles Davis

Court Rules Liability Insurer that Breached Its Duty to Defend Cannot “Cure”

A commercial general liability insurer refused to defend its policyholder even though the complaint against the policyholder alleged potentially covered claims.  A year later, after a default judgment was entered against the policyholder, the insurer reconsidered its denial and tried to assume the policyholder’s defense.  A judge in the Western…
Charles Davis

Harper│Hayes Lawyers Obtain Summary Judgment Order that Property Insurance Policies Cover “Faulty Maintenance” and “Wind-Blown Rain”

A King County Superior Court judge recently ruled that a condominium association’s property insurance policies cover “faulty maintenance,” “wind-blown rain,” and “faulty construction.” The Court also decided that because the policies lacked a so-called “inverse efficient proximate cause” provision, “the Policies cover damage resulting from the combination of excluded and…

About Our Firm

Harper | Hayes PLLC is a business litigation law firm, focusing on insurance coverage and construction defect disputes.

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Insurance Coverage

We represent policyholders in insurance coverage disputes, including cases involving property, casualty, professional liability, directors and officers, and pollution insurance.

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