Property Insurance
Whether you own or rent a home, run a business or own commercial property, some form of property insurance is likely to be a requirement. Most people in Florida pay thousands of dollars in insurance premiums every year despite never hoping to have to contact their insurance company.
Navigating the insurance claim process after an unexpected event can be extremely demanding and difficult. With an army of various adjusters lawyers experts and extensive resources used to investigate claims and reduce their financial liability in any way possible, insurance companies often take advantage of families and businesses who do not have the experience or time needed to handle a disputed claim with an insurance company.
At Warner & Fitzmartin, we are committed to helping and protecting the rights of policyholders. Our office serves our clients on a contingency fee basis. Our fees are contingent upon whether or not we win and recover financial compensation for our clients. There are no up front fees and there is no cost to you unless we win. Contact the attorneys at Warner & Fitzmartin for a free consultation to discuss your insurance claim.
Property Insurance Practice Areas
How The Attorneys at Warner & Fitzmartin Can Help You
New Claims
We can help you with your property insurance claim from start to finish. Insurance coverages in Florida vary greatly by policy. Contact us to schedule a free review of your policy.
Denied Claims
Insurance companies deny valid claims all the time. If your insurance claim was denied you likely have questions. Call us if you need help.
Underpaid Claims
Insurance Companies regularly undervalue and underpay insurance claims. We work to get what you’re owed.
Homeowner Insurance Claims
Our clients often call us after an event they only imagined experiencing in a nightmare. Their home or business suffered damage from fire, wind, smoke, hurricane, flooding, theft, or another unexpected event. Due to this fear and often by requirement, many Floridians protect their homes by purchasing expensive insurance policies in the event of damage from an unexpected event. Unfortunately, insurance companies are for profit businesses who regularly attempt to take advantage of their insureds by making low offers or outright denying coverage with the hope that their positions won’t be disputed by their insureds. Having experienced legal representation early on during the claim process can help you avoid issues and allow you to present your claim in the strongest way possible.
Commercial Insurance Claims
Commercial property insurance claims are complex and often involve matters unrelated to homeowner claims. Property damage to business establishments can be severe, costly, and often require lengthy repairs with the schedules of numerous licensed professionals and municipal authorities. Many business owners also purchase an insurance policy with business interruption insurance to protect their finances and future operations.
Business Interruption Insurance Claims
Many business owners purchase an insurance policy with business interruption insurance. While property insurance policies generally provide coverage to repair damage, business interruption insurance policies can cover lost income and profits. Insurance policies with business interruption coverage generally provide payment to recover things like net income that would have been earned, lost profits, normal operating expenses, and various extra expenses. To be clear, business interruption policies like all are subject to conditions, limits, and various exclusions. It’s important to carefully review the terms of your business interruption coverage. All businesses should do routine insurance audits and seek to procure proper business interruption coverage.
Hurricane & Weather Damage Insurance Claims
Hurricane, Windstorm, Lightning, Tornado
As a homeowner in Florida, your property is susceptible to damage from hurricanes, windstorm, lightning strikes and hail. Damage from any of these types of weather events can cause both immediate and long term effects, which sometimes may not become noticeable until after the storm. Many insurance policies in Florida are legally obligated to compensate you if the damage is covered under your policy. Typically, these types of covered claims require a sudden and accidental loss or an opening created in your home from the hurricane or windstorm.
Water Damage Insurance Claims
If you own a property or business that has experienced water damage, the road ahead can be daunting. Water damage can sometimes result in partial or full loss of use for a home or building. Many insurance policies in Florida contain hidden policy language, endorsements, exclusions, and monetary caps on the amount you can recover to repair damage caused by water. Water damage insurance claims must be carefully filed with an understanding of the coverage and provisions in your insurance policy.
Bad Faith
Florida has made it more difficult than ever for policyholders to expose bad-faith conduct and recover extra contractual costs spent to prevail in an insurance dispute. Florida’s recent and evolving laws have also made it easier for insurance companies to avoid complying with statutory and policy requirements. The attorneys at Warner & Fitzmartin are committed to protecting the rights of policyholders. If you believe you’ve been treated unfairly or your insurance company is ignoring your claim, schedule a free consultation with our office to discuss your claim.
