Property Insurance Claims

Property Insurance claims often result from disputes between policyholders and insurance companies.  By thoroughly analyzing insurance policies and leveraging a deep understanding of insurance laws, we ensure that our clients receive fair compensation for property damage or loss. 

We act as staunch advocates for justice by navigating the complex claims process, negotiating with insurance companies, and, when necessary, litigating on behalf of our clients. This dedicated representation helps protect clients from potential disputes, delays, or inadequate settlements and ensures their rights are upheld.

Areas of Property Insurance we handle includes:

1. Homeowners Insurance:

Florida is no stranger to severe weather events, including hurricanes and tropical storms. As such, homeowners in the state often require insurance coverage that accounts for these risks. Policies typically cover damage to the structure, personal property, and additional living expenses in the event of a covered loss. However, it's crucial to be aware of any specific exclusions or limitations related to windstorm or flood damage, as these may require additional coverage.

2. Commercial Insurance

Commercial insurance policies are essential financial tools that safeguard businesses from a variety of risks and uncertainties. These policies are designed to provide coverage for a range of potential losses, including property damage, liability claims, business interruption, and more. Tailored to the unique needs of businesses, commercial insurance helps mitigate financial losses and allows companies to operate with confidence.

Commercial Property Insurance, a core component of commercial coverage, protects physical assets such as buildings, equipment, and inventory against perils like fire, theft, or natural disasters.

3. Hurricane Insurance

Florida residents are very familiar with the annual hurricane season and its effects on houses, trailers, condos, and other residential and commercial structures.  Hurricane policies often carry unique rules that should be understood by a potential homeowners.  Hurricane claims for damage after a wind storm are often focused on the language in the hurricane policy, so attorney assistance is recommended both when signing up for an insurance policy and when filing a claim for damages.

4. Flood Insurance:

While homeowners' insurance policies may cover certain types of water damage, they often exclude coverage for flooding. Given Florida's susceptibility to heavy rainfall and storm surges, residents are encouraged to consider purchasing a separate flood insurance policy through the National Flood Insurance Program (NFIP) or private insurers. This additional coverage can be instrumental in protecting against the devastating effects of flooding.

5. Renters Insurance:

While landlords typically have insurance for the structure itself, renters are responsible for protecting their personal belongings. Renters insurance in Florida covers personal property, liability protection, and additional living expenses in case of a covered event. It's an affordable way for tenants to safeguard their possessions and ensure financial protection in case of unforeseen circumstances.