Case Results

Over $1,000,000 — Homeowner | Hurricane Helene Wind & Flood Damage

The insurance carrier paid less than $50,000, attributing the vast majority of the property damage to flooding rather than wind. The local municipality declared the home a total loss due to substantial damage resulting from the combined perils of wind and flood. Based on that determination, we successfully applied Florida’s Valued Policy Law to obtain a settlement at full policy limits.

$539,000 — Homeowner | Residential Fire Damage

The fire affected only a portion of the home; however, we demonstrated that the extent of smoke damage throughout the property necessitated gutting the entire interior down to the studs and completing a full rebuild, resulting in recovery of the full amount.

$1,875,000 — Apartment Complex | Hurricane Damage

The insurance company’s initial investigation concluded that the damages fell below the policy deductible. Through the use of engineering and building consultant experts, we were able to establish the true scope of damages sustained by the commercial residential property and recover the full amount.

$405,000 — Condominium Association | Hurricane Irma

The waterfront property in the Florida Keys sustained hurricane damage requiring full replacement of all sliding glass doors as well as exterior stucco repairs. The insurance company refused to cover these items, and we successfully recovered full payment for all damages.

$500,000 — Homeowner | Small Aircraft Crash

A small aircraft crashed into the insured’s home, causing catastrophic damage. The insurance company initially took the position that the home was repairable. We persuaded the carrier to tender policy limits across all coverages — including dwelling, contents, and loss of use — based on the total loss of the home.

$450,000 — Homeowners | Hurricane Helene Storm Surge

The home was completely destroyed and washed away by storm surge. The insurance company attributed the entire loss to flood and rising water. Through forensic weather and engineering experts, we demonstrated that wind damage preceded the storm surge and was independently sufficient to constitute a total loss, enabling full recovery.

Over $4,000,000 — Hotel | Hurricane Irma Property Damage & Business Interruption

We recovered over $4,000,000 on behalf of a Florida Keys hotel for property damage sustained during Hurricane Irma, combined with substantial business interruption losses resulting from the storm.

$350,000+ — Homeowner | Plumbing Leak / Slab

The insurer denied the claim on the basis that there was no direct physical loss to the property. The case proceeded to trial, resulting in a verdict in favor of the homeowner. The insured recovered the full cost to trench the home and replace all plumbing, plus statutory interest dating back to the original date of loss for the carrier’s failure to timely pay the claim.

$637,500 — Church | Hurricane Irma

The insurance company attributed the damages to wear and tear and long-term deterioration, finding storm-related damages to be minimal and below the policy deductible. The claim was litigated in federal court and resolved at mediation, allowing the church to complete all necessary repairs without any out-of-pocket expense.

$495,000 — Homeowner | Wind & Severe Weather Event, South Florida

The insured sustained roof and interior damage from an isolated wind and severe weather event. The insurance company attributed the roof damage to wear and tear and foot traffic rather than storm activity. The case was tried before a jury in Miami-Dade County, resulting in a verdict in favor of the insured, enabling a full roof replacement and interior repairs plus interest.

$182,000 — Motel | Hurricane Sally, Pensacola

The insurance company denied the claim, attributing the property damage to the pre-existing condition of the motel rather than Hurricane Sally, noting the storm’s center was approximately 130 miles away. The case was litigated in federal court, where the carrier ultimately accepted responsibility for the damages through settlement.

$193,500 — Homeowner | Wood Floor Collapse / Water Leak

An undiscovered water leak beneath the subfloor caused the wood flooring to deteriorate and eventually collapse. The insurance company denied the claim, alleging the damage was caused by groundwater improperly draining from the crawl space. With the support of general contractor and engineering experts, the case was successfully litigated and resolved through settlement.