First Party Property Damage/Insurance

When it Comes to First-Party Property Damage Claims, Don’t Take No for an Answer!

When you insure your Florida home, condominium, or commercial property against physical damage, you have a first-party insurance policy. You would make a claim directly with your insurer in the event that your property is damaged. Common examples of first-party insurance coverage include:

  • Homeowner’s and Commercial property damage
    • Pipe leaks
    • Drain line back-ups
    • Roof leaks
    • Hurricane damage
    • Fire and smoke damage
    • Sink-holes
    • Air Conditioner Leaks
    • Vandalism
    • Mold damage
  • Business interruption
  • Loss of use for your business, home, or rental property,
  • Debris removal after a hurricane or other catastrophe
  • Burglarization of your property
  • Personal property damage

An example of a first-party claim is a homeowner whose property is damaged by a plumbing leak. They file a claim with their insurance carrier to cover repairs and even costs of alternative accommodation until the house is habitable again. In turn, the insurer will compensate the homeowner according to the terms of their policy.

Sadly, insurance companies are not always on the side of their policyholders. They are for-profit companies whose primary commitment is to their bottom lines, and sometimes this manifests itself in substandard compensation offers and even denial of legitimate claims.

At Barnard Law Offices, L.P., our Florida trial attorneys will help you recover the insurance payments you are entitled to. Our firm has the resources to retain engineers, contractors, plumbers, and other forensic experts to evaluate your claim and ensure that the playing field is completely level when you confront your insurance company. To schedule a consultation, call 305.665.0000 today, or click here. We look forward to assisting you!