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PROPERTY
INSURANCE
CLAIMS

Florida is constantly facing extreme weather conditions which bring about hurricanes, flooding, wildfires and more.  If your home has recently been damaged due to any of the above, and you need help navigating your insurance claim process with the help of an attorney, we can help.

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Send us a brief summary of your incident and one of our Insurance Attorneys will respond to you within 24-48 business hours.

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FREE HURRICANE PREPAREDNESS

STORM RESOURCES

If you feel like the process of managing your insurance claim is too much to handle, intimidating, or if you feel your insurance company is not treating you fairly, you should consider contacting a property insurance attorney who will represent your interest.

Your residential or commercial property insurance attorney will work directly for you, not the insurance company.  An attorney can handle every aspect of your claim and meet with your insurance adjuster, contractors, and anyone associated with the claim.

 

The goal of your attorney is to negotiate the best possible settlement for your damaged property. ​

  • Is Flood Damage Included In Hurricane Coverage?

  • Where Can I Find A Hurricane Insurance Claim Lawyer?

  • How Do I Choose The Right Insurance Policy For Flood Damage?

  • How Can I Find A Hail Insurance Claim Attorney Near Me?

  • Is there a time limit for making an insurance claim after a storm?

  • What is the statute of limitations in FL against insurance policies?

Insurance Claim FAQ's

  • Does My Insurance Cover Hurricane Damage?

  • Is There Such A Thing As Tornado Insurance?

  • Does My Homeowner's Policy Cover Tornado Damage?

  • What are Anti-Concurrent Clauses?

  • How Can I Mitigate The Cost Of Roof Damage?

  • How Do Storm Insurance Claims Work?

  • What is the storm damage insurance claim process?

  • How Do I Choose Between Replacement Cost Coverage Or Actual Cash Value Coverage?

  • What Is The Broad Evidence Rule?

  • What Happens If My Property Is Deemed "A Total Loss?"

  • How Soon Should I File A Storm Damage Claim?

  • When Do I Hire A Lawyer For An Insurance Claim?

  • How Long Can A Home Insurance Claim Stay Open?

Stormy Skies
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"...what sets Mr. Factor and his staff aside from the rest is how approachable they are. Mr. Factor is a very personable person that shows empathy for those going through hard times..."
 
- Michael, Satisfied Client 
 
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Property Damage Claims

Property insurance provides protection against risks to property, including fire, theft and weather damage. It includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways: All-Risk and Named Perils policies.

All-Risk policies cover all the causes of loss not specifically excluded in the policy. Common exclusions in All-Risk policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism, and war. Named perils require the actual cause of loss to be listed in the policy for insurance coverage to be provided. The more common named perils include such damage-causing events such as fire, lightning, explosion and theft.

Liability Insurance

Liability insurance is to protect the purchaser of the insurance, the “insured,” from risks of liability imposed by lawsuits and similar claims. It protects the insured in the event he/she is sued for a claim that is covered by the policy of insurance.

 

Liability insurance provides protection against third party insurance claims, i.e., someone suffering loss who is not a party to the insurance contract. In general, damage caused intentionally, as well as contractual liability, are not covered under liability insurance policies. 

 

When a claim is made, the insurance carrier has the duty and right to defend the insured. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this general rule is useful because defense costs can be expensive when cases go to trial.

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Fraud & Arson Claims

Insurance fraud costs policyholders and the insurance industry billions of dollars every year. Insurance fraud is also estimated to be the second largest economic crime in America, exceeded only by tax evasion. We have investigated and litigated all types of insurance fraud, including:

  • Large scale commercial arson fires

  • Total loss residential arson fires

  • Residential and commercial burglaries

  • Substantial commercial vandalism claims

  • Claims involving the mysterious disappearance of property/ automobiles

  • Claims involving stolen/damaged artwork

  • Legitimate catastrophic property loss claims where the insured seeks policy proceeds for damage unrelated to the catastrophic event

  • Claims involving application fraud

  • Claims involving underwriting/premium fraud

  • Claims involving broker and managing general agent issues