Is Property Damage Keeping Your Florida Business Closed?

Protecting Your Business, One Claim at a Time

Running a business in Florida comes with a unique set of challenges, not least of which is the potential for property damage due to hurricanes, tropical storms, fires, and other natural or man-made disasters. When your business is affected, commercial insurance is supposed to be your safety net, helping you recover and rebuild. However, the process of filing a commercial insurance claim can be complex and fraught with obstacles. That’s where our Florida commercial claim lawyers come in.

Our firm is dedicated to helping business owners like you navigate the complexities of commercial insurance claims, ensuring that you receive the full compensation you’re entitled to under your policy. With over 30 years of experience and a deep understanding of Florida’s insurance laws, we stand ready to fight for your rights.

Why You Need a Florida Commercial Insurance Claim Lawyer

Commercial insurance claims are vastly different from residential claims. They often involve more complex policies, higher stakes, and a greater number of parties. Insurance companies may look for ways to minimize payouts, citing policy exclusions, depreciation, or other technicalities to reduce or deny your claim. Without expert legal guidance, your business could be left financially vulnerable.

A Florida Commercial Insurance Claim Lawyer specializes in navigating these complexities. We have a deep understanding of the state’s insurance laws and the specific challenges businesses face. Our goal is to ensure that your insurance company honors its obligations, so you can focus on rebuilding your business.

Types of Florida Commercial Claims

Your commercial property is not just a building—it’s also the source of your livelihood. The longer it is closed for repairs, the more money you lose. Because of this, commercial insurance policies offer riders the ability to cover these potential losses beyond the cost of repairs.

At Williams Law, P.A., we are well-versed in the various kinds of coverage you might have and will fight to get you the total value of your claim.

Hurricane and Storm Damage: Florida’s hurricane season can wreak havoc on commercial properties. We assist businesses in filing claims for wind, water, and storm-related damages.

Fire and Smoke Damage: Fires can cause extensive damage to buildings, equipment, and inventory. We help businesses recover the costs of repairs, replacements, and lost income.

Flood Damage: Even if your business is not in a flood zone, unexpected flooding can occur. We help navigate the complexities of flood insurance claims, ensuring that all water-related damages are covered.

Vandalism and Theft: Commercial properties are often targets for vandalism and theft. We work to ensure that your insurance claim covers the full extent of your losses, including physical damage and stolen property.

Business Interruption: We specialize in business interruption claims, helping businesses recover lost income and operating expenses during periods of downtime.

Liability Claims: If your business is facing a liability claim, we can assist in managing the claim process, ensuring that your policy provides the necessary coverage for legal fees, settlements, or judgments.

Our Services

Comprehensive Policy Review

• We start by thoroughly reviewing your insurance policy to understand the full extent of your coverage. This includes identifying any potential issues or loopholes that the insurance company might use against you.

Damage Assessment and Documentation

• Accurate documentation is crucial in commercial insurance claims. We work with experienced appraisers, engineers, and other experts to assess the damage to your property and assets. This ensures that all damages are accounted for and that your claim reflects the true extent of your losses.

Claim Filing and Negotiation

• Filing a commercial insurance claim involves more than just submitting paperwork. We handle every aspect of the claim process, from preparing and filing the claim to negotiating with the insurance company. Our goal is to secure the maximum compensation available under your policy.

Dispute Resolution and Litigation

• If your claim is denied or if the insurance company offers a settlement that is insufficient, we are prepared to fight on your behalf. We have extensive experience in dispute resolution and, if necessary, litigation to ensure that your rights are protected.

Business Interruption Claims

• In addition to property damage, we also handle business interruption claims. These claims cover the loss of income your business suffers due to the disruption caused by the insured event. We work to ensure that you receive adequate compensation to cover ongoing expenses and lost profits during the recovery period.

The Challenges of Commercial Insurance Claims

Filing a commercial insurance claim in Florida can be an uphill battle. Insurance companies may deploy various tactics to minimize or deny your claim, including:

• Policy Exclusions: Arguing that certain damages are not covered under the terms of your policy.
• Underpayment of Claims: Offering settlements that don’t fully cover the cost of repairs, replacements, or business interruption losses.
• Delays in Processing: Prolonging the claims process, which can exacerbate financial difficulties for your business.
• Denial of Claims: Wrongfully denying claims based on technicalities or misinterpretations of policy language.

These challenges can be daunting, especially when your business’s future is at stake. Our commercial insurance claim lawyers are here to help you overcome these obstacles and secure the full compensation your business deserves.

Contact Williams Law, P.A. Today

If your Florida business is struggling with an insurance claim, don’t face it alone. Our commercial insurance claim lawyers are here to help you navigate the process, protect your rights, and secure the compensation you deserve. Contact us today for a free consultation.