Insurance Dispute Attorneys in Florida

Strong representation for policyholders in the Gulf Coast, the Panhandle, and surrounding areas

Experience matters. At the top of the list of what matters when negotiating and litigating insurance disputes is understanding the mindset of insurance claims adjusters, and understanding the arguments they make. That is why Florida policyholders call Warhurst Law when their claims have been delayed or denied. Since 1995, Gene Warhurst and his team have been protecting homeowners, business owners, and non-profit organizations from unscrupulous insurance policies. If you have suffered a loss, call the law firm other lawyers call for help.

Insurance basics: what kind of insurance policy do you have?

The insurance policy you have will determine the type of claim you can make. Generally speaking, there are two “main” types of insurance policies for structural damage for residential properties:

  • All-risk (also called all peril) insurance. This policy type covers every type of damage and natural disaster unless it is specifically excluded.
  • Named peril insurance. This covers only risks that are specifically named. It is generally the less expensive policy, but it doesn’t give you as much coverage.

Every policy will have some kind of deductible – the costs you pay before the insurance company honors your claim. In Florida, many policies have hurricane deductibles, which forces insureds to pay more for hurricane damage (or other named storms). Some policyholders will purchase additional insurance, such as Wind & Hail, to help offset these deductibles, but that adds to the overall cost of the plan.

Commercial properties, non-profits, and churches have additional considerations. On top of these policies, they also need to protect their businesses. Aside from general liability, commercial and non-profit policyholders should have coverage for:

  • Business interruption
  • Ingress/egress
  • Loss of inventory
  • Equipment failure
  • Loss of technology (including software and hardware systems)
  • Destruction of property