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Commercial Property Insurance Dispute Attorneys in Florida

Helping Gulf Coast and Florida Panhandle businesses get back on their feet

Many businesses that are forced to shut down for a significant length of time never reopen, and damage to commercial property can contribute to that, too. If a natural disaster, such as a hurricane or flood, damages or destroys your building, you need to quickly make the necessary repairs or find a new suitable location. When rains, wind, and other elements damage buildings, the equipment and inventory are often damaged too.

Attorney Gene Warhurst has been helping policyholders get back on their feet since 1995. Before his work as an insurance attorney, he worked as a claims adjuster. He understands what insurance companies should be doing to help their clients and when insurance adjusters are acting in bad faith. Contact Warhurst Law today to work with a Florida insurance dispute attorney who will fight for you.

Areas of Focus

Representing commercial property owners in Florida

When you have a policy on a commercial property, your needs are going to be different. You deserve an attorney who understands the importance of timelines, proper valuation, and assessing risk. At Warhurst Law, we have dedicated ourselves to fighting for policyholders whose claims involve:

Business properties, including brick-and-mortar buildings
Investment properties
Condominiums, apartments, hotels, and other multi-family dwelling units
Family and industrial farming facilities
Warehouses and storage properties
E-retailers and online businesses

Verdicts and settlements for commercial property policyholders

$26 million settlement for an apartment complex previously offered $3 million
$11 million settlement for an apartment complex’s property damage, settled pre-suit
$5.4 million in additional compensation for an apartment complex for wind damage in a storm
$2.37 million in additional funds for a tornado claim
$2.2 million settlement for an A/C business which was originally offered $200,000
$1.3 million settlement for a radio station originally offered $19,000

Our Case Results

$2.4 Million Settlement in Commercial Tornado Claim

Warhurst Law secured $2.2 million in additional recovery for a lumber mill damaged in a tornado.

Additional commercial claims considerations

The sooner you can repair your business, warehouse, or other commercial property, the sooner you get back to business. In addition to building repair, inventory, fixtures, and other items, property insurance may cover some accounts receivables and other economic losses. We help navigate these comparable claims.

For hotel owners, apartment complexes, investors in condominiums, and other places where tenants sleep, the insurance should consider the consequences to the residents. For any commercial property owner who leases to other businesses, the coverage should consider what happens to the tenants who are forced to find new places to operate.

Nonprofits also need commercial insurance. Churches and other organizations do have bills to pay and they do generate income – even if that income is then used for charitable or nonprofit purposes.

There may be some overlap between what property insurance covers and what business operation loss covers. We coordinate the various claims efforts since the insurance companies may vary, and because some policies depend on payments from other policies.

What should business interruption insurance cover?

Our experienced insurance lawyers understand what standard business interruption policies should cover, what exceptions may apply, and what defenses and arguments adjusters and defense lawyers are likely to make. Standard business interruption service should compensate the business for:

Lost profits
Fixed operating costs
The cost to move to a temporary location
The cost to get your company back online
Marketing costs
Employee expenses
Forced closing expenses

Other types of losses may also be covered. Some businesses are contingent on other business being operable. For example, a tenant in a shopping mall or complex can’t operate until the owner of the complex repairs the mall roof.

Concerns arising from Florida business insurance disputes

Our commercial claims insurance lawyers work to resolve or litigate all possible disputes that may arise with commercial business claims. Some of the common disputes include:

Whether the business is covered
For what length of time is the business covered, and is there a limit to when the company is expected to return to business
How income loss is calculated
What proof of income loss is required
What repairs are needed, and who can do the repairs
Which value method should be used
What steps the business can take during the negotiation and repair period
Whether any exclusions apply

Speak with an experienced attorney concerning commercial property insurance disputes

You can’t delay. You need to get your business up and running quickly. You need to repair any damage and replace any inventory. Your customers and employees will wonder what’s going to happen to them and their interests. At Warhurst Law, we understand how critical it is to move fast while also getting all the coverage for rebuilding and building interruption that you paid for through your premiums. We have the skills and resources to fight for businesses when natural disasters or other disasters occur. We help businesses throughout the Gulf Coast and Panhandle region including Panama City, Apalachicola, Pensacola, and Port St. Joe. For help now, phone us at 251-694-1932 or complete our contact form to schedule an appointment.

* Warhurst Law cannot and does not guarantee an outcome to any case.