First-Party Property Insurance Claims

A first-party insurance claim is one in which relief must be paid directly to the insured. We represent policyholders in their property insurance claims dispute against their insurers. Our attorneys offer a wealth of experience and expertise when presenting and supporting our clients with their claims.

We help our clients navigate through the intricacies of claim presentation and the preparation processes. We are knowledgeable in assessing what documentation must be provided to the insurer to best protect and preserve all of the policyholder’s legal rights under various types of insurance policies. We will work with public insurance adjusters, loss consultants and experts, defense counsel, and corporate risk managers to resolve coverage disputes during claims adjustment, investigation, and insurance litigation.

Automobile Claims
Business Claims
Collapse Claims
Commercial Claims
Condominium Claims
Fire Claims
Flood Claims
Hurricane Claims
Residential Claims
Sinkhole Claims
Theft Claims
Vandalism Claims
Water Damage Claims

If your home, residential property, commercial property, or structures located on those properties suffer damages from an automobile, then you may be entitled to recover the cost of repairing the damages through your property insurance policy.

We will negotiate aggressively on your behalf, and have a track record of maximizing the settlement of property damage claims caused by automobiles well beyond our client’s insurance adjuster’s initial assessment. Be sure that you are receiving the full amount of benefits to which you are entitled by contacting us to discuss how we may assist you.

Commercial insurance policies include extensive amounts of “legalese” and a multitude of ambiguous provisions that require an experienced property insurance attorney for proper interpretation. We have experience in successful litigation ranging from claims of business interruption and construction defects, to third-party liability, and are effective in holding accountable the parties responsible for the particular cause of loss, and in mitigating the liability exposure of policyholders.

We understand the urgency to resume normal business operations while dealing with events affecting a company’s productivity, success, and future interests. We are experienced in identifying the coverages specifically applicable to the facts and circumstances of commercial claims, and will work to maximize the recovery of covered losses while resolving these claims as expeditiously as possible.

Coverage disputes concerning collapse are not uncommon, given the frequency of misinterpretations of policy provisions and law applicable to the specific circumstances of your loss. We have extensive experience overcoming wrongful denials of coverage and securing the proper payment of benefits owed to claimants for collapse-related damages. If you have experienced a collapse to your roof, home or building, please contact us for a free initial case evaluation.

Commercial property insurance protects a business’ land, buildings, inventory, and other properties from risks, such as theft, fire, plumbing breaks, severe weather, or uncontrollable event. Despite offering these protections, insurance companies are notorious for enhancing their profit margin to the detriment of their policyholders by denying or delaying payment on commercial claims — this can be extremely costly for the policyholder.

We understand the urgency to resume normal business operations or life following a devastating loss as a result of theft, fire, plumbing breaks, severe weather, or other uncontrollable event. We are experienced in identifying the coverages specifically applicable to the facts and circumstances of commercial claims, and will work to maximize the recovery of covered losses while resolving these claims as expeditiously as possible.

Insurance coverage applicable to condominium damages is subject to the policy of condominium insurance as well as the condominium documents and by-laws of the condominium association. Central to the successful handling of these claims is the professional legal analysis of the full extent of loss covered by the policy of condominium insurance, in conjunction with an understanding of the impact of the interests and responsibilities of the individual members of the association.

We have achieved large recoveries on behalf of our condominium association clients by working closely with the condominium’s Board of Directors, by our regular attendance at board meetings throughout the pendency of the association’s claims, by our direct involvement with our network of experienced and reputable loss consultants and experts, and by our personal oversight of the extensive and thorough inspections of damages. In addition to working to maximize the insurance company’s payment of damages for the benefit and vitality of the community affected, we provide counsel in the utilization and management of benefits received, and recommendations related to timely and proper completion of necessary repairs.

Fire damages to your commercial or residential property often result in a total loss, entitling the policyholder to a payment of policy limits. Many insurance companies automatically assign a fire claim to their special investigative unit, which will require you to submit to recorded statements and/or examinations under oath. We prepare you for these inquiries to ensure you’re fully aware of the pitfalls that insurance defense attorneys will seek to establish, and will be by your side to ensure the full protection of the law applicable to the circumstances surrounding your loss. We have an excellent referral network of fire experts, and are well versed in the specialized area of law governing these types of claims. Please do not hesitate to contact us today for a free initial case evaluation on how we may assist you. Insurance companies have attorneys fighting hard for their rights, and so should you.

Property damages sustained as a result of flood can be among the most costly to properly repair. We will provide an independent and expert evaluation of your claim to ensure the insurance company’s adjustment of the full scope of your loss, and fight for your recovery of the full amount of payment necessary to return your property to its pre-loss condition. Our Partners were former insurance defense attorneys, and thus they understand the strategies used by insurance companies to minimize their payment of benefits, and the law applicable to the facts of your claim. Do not be fooled by your insurance agents, and call us today for a free initial case evaluation on how we may assist you. Insurance companies have attorneys fighting hard for their rights, and so should you.

Our attorneys have helped hundreds of policyholders with their hurricane and windstorm claims. We are experienced in overcoming policy defenses asserted by insurance companies to underpay or deny your claim, and we do everything necessary for our clients to recover the full amount of benefits to which they are entitled. We provide free initial case evaluations and will represent you on a contingency fee basis, so that you incur no fees unless we are successful in recovering damages on your claim. We represent policyholders throughout the State of Florida. Please do not hesitate to contact us today for a free initial case evaluation. Insurance companies have attorneys fighting hard for their rights, and so should you.

Most homeowners are not fully aware of the extent of the coverages provided by their insurance policy, and insurance companies often assert policy provisions and limitations that are improper to apply under the facts and circumstances of your claim. Consequently, insurance companies often get away with paying their policyholders less than the full and proper payment of benefits due and owing as a result of the event causing damages to your property. Our experience in representing many of Florida’s largest property insurance companies gives us a unique advantage in effectively opposing and overcoming the coverage defenses typically asserted against policyholders, and in identifying all avenues of recovery for the payment of benefits that you are entitled to receive under even the most complex of circumstances, such as may exist in the event of prior losses, overlapping damages, multiple causes of loss, and less commonly reported causes of loss which have been categorically denied. We have, in many cases, recovered on behalf of our clients the payment of damages for claims that were initially denied any coverage whatsoever, and will, as your legal representative, apply the law to hold insurance companies accountable for improper underwriting practices, and the wrongful cancellation of policies. We scrutinize carefully every aspect of your claim and all of the legal remedies you are afforded by law.

We represent property insurance clients on a contingency fee basis, and our compensation is based upon securing a recovery on your behalf. Additionally, Florida law provides for the insurance company’s payment of your attorney’s fees incurred in connection with a disputed claim, following an outcome in your favor after the filing of a lawsuit. Therefore, we are, in many cases, able to ensure the payment of your damages without any deduction whatsoever for the attorney’s fees payable for your representation.

The necessary elements to establish for a successful sinkhole claim require scientific testing by an expert engineer experienced in identifying sinkhole collapse. Do not rely upon the insurance company’s assessment. Talk to us about how we can secure an independent, reliable assessment on your behalf, in order to ensure the proper application of coverage afforded by your policy. Sinkhole claims are one of the most common claims of loss improperly denied by insurance companies. Be sure that you are receiving the benefit of a full and proper payment for repairs to the extensive scope and amount of damages sinkholes cause by calling us today for a free initial case evaluation. Insurance companies have attorneys fighting hard for their rights, and so should you.

Many policies afford coverage for theft of personal property, but most policyholders are not able to meet the standard of proof insurance companies may require in order to compensate you properly for all of the valuable items that were stolen. What’s more, insurance companies are notorious for seeking to establish misrepresentations by way of inconsistent or imprecise reports of your loss. If you are the victim of a theft, be sure to report your loss to the proper authorities in addition to making a claim. We will negotiate aggressively on your behalf, and have a track record of maximizing the settlement of theft claims well beyond our client’s insurance adjuster’s initial assessment. Be sure that you are receiving the full amount of benefits to which you are entitled by contacting us to discuss how we may assist you. Insurance companies have attorneys fighting hard for their rights, and so should you.

Vandalism is the deliberate and malicious destruction of property, and is likely covered by your policy of property insurance. Vandalism can require expensive repairs, and we provide clients the benefit of a fair estimate of damages from a licensed and insured Florida contractor. We will aggressively advance your vandalism claim to a prompt conclusion, in order for you to be able to initiate repairs as quickly as possible, while guiding you through the pitfalls of the policy defenses to your claim that may be asserted by your insurance company. We bring the experience of handling dozens of first-party insurance disputes of vandalism claims, such as yours, and will ensure that you receive the full amount of benefits due and owing under your policy for making necessary and proper repairs to the full amount of damages sustained.

The full extent of water damage from pipe breaks, roof leaks, air conditioning or Air Handling Unit leaks, or plumbing backups may not be identified by your insurance adjuster, but we employ expert consultants and engineers to ensure that you are claiming not only the apparent water damage to your floor, furniture and cabinetry, but also the ensuing hidden mold damage, hidden damage to the dwelling’s foundation, and replacement of waste water drain fields. What’s more, policy provisions, limitations and exclusions concerning water damages are complicated and require an experienced attorney for proper interpretation. Your insurance adjuster will often misconstrue the application of policy provisions, and may improperly deny your claim. Be sure to get an evaluation of your claim from an experienced property damages attorney working for you, and contact us today to schedule a free initial case evaluation.