We represent Florida businesses and large-loss policyholders against insurers that delay, deny, and underpay commercial property claims — hotels and resorts, condominium and HOA associations, multifamily portfolios, healthcare facilities, warehouses and distribution centers, retail centers, office buildings, food processing and agribusiness operations. We also handle catastrophic residential losses $100,000 and above (fire total losses, hurricane and tornado destruction, catastrophic hail and wind losses). Statewide reach from our Miami office. No fee unless we win.
Why this is happening
In Florida, wind drives the commercial property loss picture. Hurricane Ian came ashore near Cayo Costa in Lee County in September 2022 as a Category 4; Hurricane Milton made landfall at Siesta Key near Sarasota in October 2024, and the outbreak ahead of it put tornadoes across the peninsula, including an EF3 at Fort Pierce. No hurricane made landfall in Florida in 2025, and none has through mid-2026 — one reason the commercial market has softened, with carriers entering 2026 on healthy margins, abundant capacity, and rates down 10 to 15 percent. Claim-handling discipline is not what improved. The pattern Florida businesses describe after a loss — delay, deny, underpay — hasn't softened with the rates, and the percentage named-storm deductibles standard on Florida commercial property make the carrier's scope decisions matter more than ever. We handle wind, hail, tornado, fire, and water losses; flood is generally excluded from commercial property policies and is not a claim type we take.
You don't have to accept it. Your policy is a contract, and Florida law requires insurers to handle claims in good faith — to acknowledge a claim, investigate it, and pay or deny it within the timeframes the state sets, and to pay interest on amounts that come late. When a carrier's handling crosses the line, Florida provides a remedy that reaches beyond the policy benefits, and getting there depends on a specific pre-suit procedure that has to be followed correctly and early. Florida's 2022–2023 insurance reforms also changed how attorney's fees work in property suits and tightened several claim deadlines — which makes the pre-suit record, and the way a demand is framed, more important than it used to be, not less. Read your policy's notice and suit-limitation provisions early; on a complex commercial loss, documentation, expert work-ups, and negotiation all take time.
What we handle
If your damage is property-related and your insurer isn't paying what they should, we should talk.
Orlando's theme-park corridor, Miami Beach and the Gold Coast, the Gulf beaches, and the Keys concentrate high-value wind-exposed lodging. Typical disputes: named-storm percentage deductibles applied per building rather than per occurrence, business interruption across a compressed season, roof and envelope scope on large-span structures, contents and FF&E valuation, and civil-authority and ingress/egress coverage after an evacuation order.
Apartment and condominium portfolios across South Florida, Tampa, Orlando, and Jacksonville carry concentrated wind, hail, and fire exposure. The pattern we see: carriers low-ball portfolio-wide storm claims by treating each building separately, applying per-building deductibles, and arguing 'cosmetic' damage on commercial roofs while membrane and decking damage goes unscoped.
Citrus, sugar and produce packing operations, cold-storage and food processing plants, and light manufacturing across central and south Florida. Disputes turn on inventory and commodity valuation, spoilage coverage after power interruption, equipment breakdown on refrigeration and processing lines, smoke versus fire attribution, and business interruption across a compressed harvest or production window.
Hospital systems, ambulatory surgical centers, dialysis centers, medical office buildings, and long-term-care facilities statewide. Healthcare losses introduce code-upgrade complexity on rebuilds, Service Interruption coverage for utility outages, Spoilage coverage for pharmacy and cold-chain inventory, Equipment Breakdown for imaging and other capital equipment, and hardening and backup-power requirements carriers use to contest scope.
The I-4 corridor between Orlando and Tampa and the Jacksonville port and rail complex anchor one of the fastest-growing distribution markets in the Southeast. Common disputes: sprinkler-system failure attribution, large-roof wind and hail scope, Equipment Breakdown on conveyor and racking systems, and BI calculations on 3PL operators serving multiple tenants.
Strip and lifestyle centers, Class A/B office buildings, and mixed-use developments across Miami–Fort Lauderdale–West Palm Beach, Tampa, Orlando, and Jacksonville. Disputes turn on shared-wall and common-area allocation, tenant versus landlord coverage, lost rental income and Tenant Improvement coverage, Code Upgrade coverage on rebuilds, and BI calculations on multi-tenant buildings where part of the property stays rentable.
Association boards and property managers face a claim structure nobody else deals with: a master policy covering the building, unit-owner policies underneath it, and an inspection and reserve regime that gives carriers an opening to reclassify storm damage as deferred maintenance. Disputes turn on the master-versus-unit coverage line, common-element scope, loss assessment coverage, named-storm deductibles applied across a multi-building association, and the argument that structural findings recorded in an inspection or reserve study prove the damage predated the storm.
Catastrophic residential losses $100,000 and above, accepted as a secondary band — fire total losses, hurricane and tornado destruction, severe hail and wind losses, water-damage total losses. The same Florida good-faith framework and litigation posture we bring to commercial claims stands behind these cases.
Why Florida businesses choose us
We don't represent insurance companies. Ever.
That's not a marketing line, it's a structural choice.
Policyholders only. No carrier defense work. Our entire practice is built around policyholder representation — never carriers, never adjuster panels, never insurance defense. This matters for commercial buyers because conflicts of interest are denser in commercial work (the same carriers appear across files). PPL cannot be conflicted out of your file by an existing defense relationship — we don't have any.
We work on contingency: no retainer, no hourly bills, and no fee unless we recover money for you. For larger or more complex commercial claims, we'll walk through the engagement structure on your first call.
Florida-licensed attorneys serving commercial policyholders statewide from our Miami office — Miami-Dade, Broward, and Palm Beach, Tampa–St. Petersburg, Orlando and Central Florida, Jacksonville and the First Coast, Fort Myers–Naples and Southwest Florida, Sarasota–Bradenton, and the Panhandle. We know how commercial property disputes move through Florida's circuit courts, including the complex business litigation divisions in the largest circuits, and the Southern, Middle, and Northern Districts of Florida. Every commercial file gets senior-partner attention from intake forward.
How it works
Most Florida commercial policyholders are surprised how little operational time the claim takes once an attorney is involved — even with carriers used to grinding down policyholders without representation.
Commercial intake protocol. Free, confidential conversation. Bring your policy declaration page, full policy with endorsements (especially ISO CP 00 10, CP 00 30, CP 04 05, and any Equipment Breakdown or named-storm deductible endorsements), the carrier's denial or estimate letter, your forensic accountant's BI calculation if you have one, and any prior correspondence with the carrier or your broker.
Investigation and expert work-up. We engage forensic accountants on BI calculations, engineers on causation and scope, public adjusters on contents and equipment valuation, and IT/manufacturing consultants where applicable. We obtain the policy's underwriting file, the carrier's claim notes (where producible), and any prior loss runs that bear on the dispute.
Documented demand framework. We send the carrier a demand that lays out the record: the coverage owed, the documented scope and BI numbers, and the conduct — unfounded delay, inadequate investigation, deceptive lowballing — that Florida treats as improper claim handling. Florida's route to a remedy beyond the policy benefits runs through a specific pre-suit step, and building the record that supports it is what changes the carrier's math. Many commercial cases resolve here.
Litigation in Florida circuit court — including the complex business litigation divisions in the largest circuits — or the Southern, Middle, or Northern District of Florida in federal diversity. We pursue full coverage, the documented business-interruption loss, and the remedies Florida law makes available when a carrier's claim handling crosses the line. Our trial pipeline runs the case to verdict if that's where the leverage takes us.
Questions before you engage
Yes, frequently. Brokers know our practice and refer commercial property losses; we collaborate without disturbing the broker relationship and brief brokers throughout the claim. Public adjusters often partner with us on technical estimating where coverage litigation is also needed — PAs handle the loss-side estimate, we handle the coverage-side legal posture. We don't compete with brokers or PAs; we add the litigation backstop they don't provide.
On contingency: no upfront cost, and no fee unless we recover money for you. Commercial claims vary in size and complexity, so we'll walk through exactly how the engagement works on your first call — which is free.
These are formal investigation tools the carrier can require under most commercial policies. An EUO is a recorded examination under oath; a Sworn Proof of Loss is a notarized formal claim statement. Both are mandatory if properly demanded, but both have significant procedural requirements the carrier often gets wrong. We attend EUOs with our clients, prepare the witness, and challenge defective demands. We assist with Sworn Proofs of Loss to ensure the carrier cannot use a technical defect to deny the claim. Treat any EUO or SPL demand as a serious moment to engage counsel — the carrier is preserving its denial position.
Depends on the loss profile. Appraisal under most commercial policies (ISO CP 00 10 and variants) is a binding three-person panel — each side appoints an appraiser, the appraisers choose an umpire — and the panel sets the loss amount. Carriers increasingly invoke appraisal because it can foreclose coverage litigation and can favor the carrier on contested causation questions. Sometimes accepting appraisal is the right move (clear coverage, just an amount dispute, where you have a strong appraiser). Often it's not (causation contested, BI complex, bad-faith leverage available). We run the math on both sides before responding to a carrier appraisal demand, and we handle the appraisal process if that's where the case goes.
BI calculations turn on three things: the period of restoration (how long until the business returns to pre-loss operations), the gross earnings or gross profit calculation method (depending on policy wording), and the extra-expense component. Disputes typically concentrate on (1) carrier attempts to compress the period of restoration to maximize savings, (2) gross-earnings vs. gross-profit methodology disagreements, (3) the make-up sales offset, (4) seasonal-business adjustments, and (5) the documentation supporting projected earnings. We work with forensic accountants on the BI calculation — typically retained at the start of the engagement — and the policy's BI worksheet endorsement controls a lot of the math.
Yes. Alongside our commercial work, we take on catastrophic residential losses: total-loss fire, hurricane and tornado destruction, severe hail and wind, and severe water damage. These cases run through the same Florida good-faith framework and the same litigation team we use every day for commercial claims, so homeowners get the same muscle behind their claim.
We represent only policyholders — never carriers, never adjuster panels, never insurance defense. This eliminates the most common conflict in commercial property work: the same carriers appear repeatedly across files, and defense firms that work with those carriers cannot represent you against them. We're not conflicted out by an existing carrier relationship because we don't have any. We also screen new matters carefully — if you've been referred by your broker or PA, we confirm there's no conflict on their side before engaging.
Florida treats an insurance policy as a contract carrying a duty of good faith, and it sets timeframes for acknowledging a claim, investigating it, and paying or denying it, with interest running on amounts paid late. When a carrier's handling crosses the line, Florida provides a remedy that reaches beyond the policy benefits — but getting to it depends on a specific pre-suit procedure that has to be handled correctly and early, and the 2022–2023 reforms changed how attorney's fees work in property suits. The practical consequence is that the pre-suit record does more work in Florida than in most states: what you documented, when you documented it, and what the carrier did in response. Building that record — and putting the carrier's conduct into the demand — is the core of how we move commercial claims here.
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Free case review. No fee unless we win.
