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Commercial Property Insurance Claims

A business property is subject to a double-edged sword when it comes to a disaster. Not only will you have to deal with the reconstruction and repair of your property, you also are required to continue running a profitable operation during extreme and difficult circumstances.This can be either a very tough hole to dig out of, or simply a final nail in the coffin.

For those who try to get their business or commercial property running at pre-disaster levels, it is vital that their insurance provider is accommodative and fair in their assessment of the damages and payment. If they are unwilling to negotiate, or are refusing a payment, it could effectively sideline your business and destroy your future prospects.

To avoid or resolve a commercial property insurance claim dispute, having a Florida insurance attorney at your side, arguing on your behalf and holding the provider accountable for their actions (or inaction) can help you demand the money you deserve so that you can get your business up and running again.

Orlando Commercial Property Insurance Claim Attorney

During what is a time-sensitive and complicated process, the property owner and insurance provider must be on the same page to find a common solution. If the company insuring your commercial property is unwilling to offer a payment that effectively covers the damage incurred, you can dispute their decision by working with an insurance attorney.

Our attorneys at Hale, Hale & Jacobson are experienced in commercial claims and will bring their years of insurance casework to help you hold your insurance provider accountable for the services they guaranteed from the outset. Taking a proactive and aggressive approach, Lee Jacobson and staff will tackle every single aspect of your case in a methodical and logical manner, enabling them to identify the cause of the dispute and force the provider to renegotiate the terms of the payout, so as to adequately compensate you for losses. The Orlando firm will employ various methods of assessing the property damage and will use real construction values, while taking into account the replacement cost or actual cost value where applicable.

Not only will we properly assess your property, our attorneys are also ready to fight for your rights in court. We will take every measure possible to reach a settlement, but will be more than willing to defend you and your commercial property in a legal setting. As a contingency-based firm, Hale, Hale & Jacobson will only require payment for legal services if you win your claim. This commitment to getting you a favorable payout by linking their fate with yours will guarantee that you are represented in a professional and productive manner.

As a Central Florida practice, our firm proudly represents individuals and businesses throughout Orange County, Osceola County and Seminole County. This includes the cities of Orlando, Apopka, Ococee, Winter Park, Kissimmee, St. Cloud, Altamonte Springs, Casselberry and Oviedo, among many others.

Always concerned with providing a quick response for an issue that is largely predicated on timeliness, Hale, Hale & Jacobson will immediately start on your commercial property insurance claim case as soon as they have the necessary information. To schedule a free and confidential consultation to go over the details of your case with an attorney, please call (407) 425-4640 or send an online message today.


Commercial Property Insurance Claim Information Center


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Types of Commercial Property Insurance Claims

Fire Damage – Although not always the case, commercial properties are can be at high risk for fire damage. The reasons for this are varied, but some of the most common of these include flammable equipment or liquids, higher probability of explosions, constant or high use of electrical products,

Hurricane Damage -  "Living in Florida" should be the primary reason you have hurricane insurance. The state will average five hurricanes a year, all of which have the potential to cause severe damage. This includes roof damage, structural damages, electrical damage and damage resulting from winds, lightning or flooding.

Water Damage - Water damage primarily occurs as a result of natural disasters, indoor plumbing issues or backed up sewage. This type of damage can eventually lead to mold or mildew claims, and often causes damage by rotting your commercial properties wood, causing steel to rust, and damaging many types of work materials in the process . Insurance policies may or may not cover this type of damage.


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Common Types of Businesses in Commercial Insurance Claims

There are some particular industries and businesses that are more susceptible than most when it comes to fire, hurricane and water damage. This can include industries that rely on their commercial property as the face of their business, ones that require a high level of expertise to operate machinery, ones that have high production quotas and operate in a fast-paced environment, or ones that are perpetually inundated with flammable materials. Some of the industry's most at risk for fire, water, flood or hurricane damage include:

  • Construction
  • Retail
  • Manufacturing
  • Tourism
  • Hotels
  • Food Services
  • Apartments
  • Private Parks

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Important Aspects of Investigating a Commercial Property Claim

As a commercial owner, you must be vigilant when it comes protecting your economic interests after fire, water or hurricane damage. With the help of the right attorney, you can make certain that no stone is left unturned and that every aspect of a proper insurance claim is effectively undertaken. Especially when it concerns commercial property, a discerning eye is needed to assess the true value of the damages. Some of the important aspects of a claim investigation should include the following:

  • Investigate and analyze all "on-site" property damage to the building
  • Prepare details of the loss, using replacement costs and actual cash values where applicable in accordance with policy requirements
  • Prepare a concise, detailed, well-documented claim
  • Investigate and analyze all "on-site" property damage to the contents, including stock, supplies, furniture, fixtures, machinery, equipment and computer systems, among others
  • Continue to track recoverable extra expense during an extended period of indemnity, if available under the insurance program
  • Integrate the extra expense claim with the property damage claim

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Florida Laws against Insurance Bad Faith

According to Florida Statute § 624.604, property insurance covers damage to all real or personal property, including homes or business structures. However, there are times when a claim may be denied, depending on the legal wording of the contract and the cause of the damage.

There are various laws within the Florida Revised Statutes that relate to bad faith insurance claims and the penalties that could follow if convicted. The main statutes regarding this area of law include:

Fla. Stat. § 626.9541(1)(i) – Engages in unfair claim settlement practices;

Fla. Stat. § 626.9541(1)(o) - Illegal dealings in premiums;

Fla. Stat. § 626.9541(1)(x) - Refusal to insure for discriminatory reasons;

Fla. Stat. § 626.9551 – Requirements to have a certain agent or insurer not permitted;

Fla. Stat. § 627.7283 – Return of premium for cancelled insurance policies required.


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Commercial Property Insurance Claim Resources

Florida Department of Insurance Regulation – This site offers information on regulations, compliance and enforcement of statutes related to the business of insurance. It contains links and resources on commercial and business insurance claims.

Florida Insurance Statutes – This link sends you to Section 626 of the Florida Revised Statutes. You will be able to look up every law that Florida currently has regarding insurance administrators and the illegal actions that they have the potential of taking.

Florida Department of Financial Services – Clicking on this link will send you to the home page of the FDFS. It contains resources and information on licensing and compliance, fees, agencies and tips on insurance matters.


Hale, Hale & Jacobson | Commercial Property Insurance Claim Lawyer in Florida

A commercial property claim that is denied can lead to adverse consequences, the most glaring of which is the loss of the business or property in question. To add insult to injury, many insurance providers will do everything in their power to mitigate losses on their end, causing you to receive a below par payment, or simply not receive anything at all.

At Hale, Hale & Jacobson, we  employ experts in construction, who also have experience in writing claims reports, to help document your insured losses. Our specialists will compile detailed reports of the losses that are in accordance with the policy requirements. This will give you and the insurance company a second (and more accurate) opinion, leading to a higher likelihood that you will settle your dispute favorably.

As a Central Florida law firm, we provide legal counsel for individuals and families struggling with insurance claims throughout the cities of Orlando, Maitland, Winter Garden, Altamonte Springs, Longwood, Sanford, Belle Isle, Christmas, Eatonville, Poinciana, Winter Springs and Lake Mary, among others. Call (407) 425-4640 or send an online message to schedule a free initial consultation with an attorney to go over the details of your claim today.