• Luxury condominium hurricane claim yielded more than $21 million appraisal award. Multiple insurers acknowledged coverage but refused to pay the full value of the loss, leading to appraisal and related litigation over umpire selection and the structure of the appraisal process. The insured prevailed on each contested issue, secured an appraisal award exceeding $21 million replacement cost, and obtained full payment of the actual cash value award while preserving its bad faith claims in the forum of its choice. Following appraiser, a bad faith action recovered millions more for the insurer’s actions.   

• Layered insurance dispute resolved for eight figures before final hearing. A major hurricane claim involving multiple layers of insurance presented overlapping litigation and arbitration requirements, competing procedural strategies, and a dispute over whether a supplemental claim was time-barred. After compelling arbitration, defeating efforts to disrupt the process, and securing favorable interim rulings, the matter resolved for eight figures before final arbitration or extensive litigation.

• Appraisal award enforced through litigation. After an appraisal resulted in a nearly $16 million award, the insurer withheld more than $6.7 million and refused to pay the full value of the award, forcing litigation two years after the hurricane loss. Following targeted discovery and key deposition testimony, the matter resolved for $7.5 million, representing full payment of the appraisal award together with attorneys’ fees and costs.

• Seven-figure recovery in commercial collapse dispute. After initially acknowledging coverage, the insurer reversed course, denied that a covered collapse had occurred, and demanded return of its advance payment. Following a Notice of Intent to Litigate, the matter proceeded to mediation and resolved for well into the seven figures.

• Marine cargo loss fully recovered without litigation. A cross-border cargo claim involving high-value damaged equipment required prompt action due to strict reporting deadlines and potential coverage issues. Through strategic claim handling and negotiations with the shipper and marine cargo insurer, the full value of the loss was recovered without litigation and at minimal expense.

• Seven-figure recovery for late-reported hurricane roof replacement claim. A hurricane loss reported nearly three years after the event was denied based on late notice and other defenses, leaving the insured facing trial and a pending summary judgment motion. Despite those challenges, the matter resolved for a significant seven-figure recovery representing nearly the full cost of the necessary roof replacement.

• Post-hurricane theft and vandalism claim resolved through complex litigation. A warehouse and manufacturing complex suffered extensive theft and vandalism following a hurricane, including the loss of millions of dollars in electrical equipment, yet the insurer declined payment despite extensive documentation. After revised claim submissions, declaratory relief, multiple remands to state court, and extensive discovery, the matter ultimately resolved for a significant recovery despite numerous coverage defenses.

• Beachfront hurricane loss recovered through wind-versus-flood analysis. Severe hurricane damage left a beachfront structure unsafe and ultimately demolished, requiring a careful reconstruction of the loss to distinguish covered wind damage from uncovered flood damage. By working closely with specialized consultants, the matter was resolved for nearly the full value of the covered wind loss.

• Hurricane Ian property damage dispute resolved within four months. After receiving only minimal payment, the insured faced a technically complex dispute involving damage to windows, roofs, and structural supports. Through strategic presentation of the construction and design issues, the matter was successfully resolved within four months of retention.

• Hurricane Ian condominium loss resolved through early mediation. Following substantial hurricane damage to condominium property, the insurer assessed the loss at only a fraction of the repair costs and the policy required dispute resolution through New York arbitration. After the matter was positioned for arbitration, it was promptly steered into early mediation and resolved within four months for a significant seven-figure recovery, increasing the prior recovery by 100%.

• Hurricane claim resolved without litigation after appraisal and coverage dispute. After paying only part of a hurricane claim, the insurer denied the insured’s contractual right to appraisal and incorrectly disputed responsibility for key building components. By addressing the governing policy and legal issues directly, the matter was resolved within months for nearly the entire amount sought, without the costs and delay of litigation.

• Fire loss and business interruption claim recovered at 98% of claimed damages. A major fire caused extensive property damage, loss of rents, extra expenses, and the relocation of hundreds of residents. Despite conflicting policy sublimits among participating insurers and a potential shortfall of nearly one million dollars, the matter was resolved within months without litigation or arbitration, recovering approximately 98% of claimed damages.

• Lightning loss resolved after insurer denied multimillion-dollar equipment damage. A direct lightning strike caused significant damage to electrical systems and elevator components at a large condominium property. Although the insurer acknowledged only limited temporary repairs and repeatedly denied coverage for damages exceeding $3 million, the matter ultimately resolved through a seven-figure settlement after litigation was initiated to enforce appraisal rights.

• Historic church property claim resolved without litigation. Following significant hurricane damage to a multi-building church campus with historic structures, the insurer delayed adjustment and failed to issue undisputed payment. After formal action was taken to address the claim handling, coverage was acknowledged and the remaining dispute involving mitigation, causation, and lien issues was successfully resolved without litigation.

• Flood-related commercial property dispute resolved for substantial six-figure recovery. A commercial property suffered catastrophic storm surge damage, but the insurer withheld a significant portion of available proceeds based on its interpretation of deductible and limitation provisions. After litigation was filed to challenge that position, the matter resolved for a substantial six-figure amount representing a significant portion of the disputed proceeds.

• HVAC moisture loss denial reversed through litigation. A commercial property claim involving severe moisture damage was denied in full based on the insurer’s interpretation of a water damage limitation. Through litigation and trial preparation, it was established that the limitation did not apply as asserted, resulting in a substantial six-figure resolution.

• Appraisal award enforcement led to seven-figure settlement. After an insurer refused to pay an appraisal award on a hurricane claim and asserted policy defenses, focused discovery and deposition testimony exposed the lack of support for those defenses. The matter then resolved through a seven-figure settlement representing nearly the full value of the appraisal award.

• Warehouse collapse claim resolved after denial based on exclusions. A structural collapse claim was denied based on exclusions for corrosion, rust, and faulty construction. During litigation, pre-loss records obtained through discovery established there was no prior evidence of structural fatigue or collapse, and the matter ultimately resolved for approximately 80% of available policy limits.

• Multi-party hurricane insurance dispute resolved through coordinated mediation. A church complex sustained millions of dollars in hurricane damage but was insured under a pooled master policy shared by nearly twenty churches, leaving limited remaining proceeds for all claimants. Through extensive negotiations and a coordinated mediation involving multiple insurers and insureds, the matter was resolved with an additional seven-figure payment while preserving related claims against the broker.

• Commercial hurricane claim resolved after navigating restrictive arbitration terms. A policyholder sustained significant hurricane damage under a policy that prohibited the use of a public adjuster and required any dispute to proceed through a highly restrictive arbitration provision. By managing the claim from its early stages, securing an undisputed six-figure payment, and strategically pursuing arbitration, the remaining dispute was resolved successfully before the final hearing.

• Residential hurricane underpayment claim resolved through high six-figure settlement. After a waterfront property sustained significant hurricane damage, the insurer failed to issue full payment for the loss. By identifying a critical regulatory issue with the insurer’s status and using that leverage effectively, the matter was quickly steered to mediation and resolved for a high six-figure settlement.

• Collapse claim resolved after denial based on exclusions. A commercial property suffered catastrophic structural damage, but the insurer denied the claim based on exclusions for corrosion, rust, and long-term water intrusion. By developing evidence that the loss fell within the policy’s additional collapse coverage, the matter was favorably resolved for more than 75% of the repair costs.

• Appraisal secured without contested court hearing. After a hurricane claim was only partially acknowledged, the insurer rejected appraisal and disputed whether major categories of damage could be submitted to the process. Through prompt litigation and strategic negotiations, the insurer agreed to proceed voluntarily with appraisal, which ultimately resulted in full payment of the award.

• Homeowner jury verdict led to full recovery, appellate win, and bad faith settlement. A homeowner obtained a jury verdict for 100% of the damages sought, successfully defended that result on appeal, and recovered more than $1 million in fees and costs, including a 1.5 multiplier. The matter later culminated in a significant bad faith settlement.

• Employee embezzlement claim resolved through substantial settlement. After an insurer failed to acknowledge coverage for major losses caused by employee embezzlement at a gaming and entertainment facility, suit was filed and the matter resolved through a substantial settlement. A separate roof collapse claim for the same property was also resolved favorably through pre-mediation despite difficult coverage and exclusion issues.

• Full policy limits recovered in multimillion-dollar embezzlement loss. A company suffered substantial losses from a multimillion-dollar employee embezzlement scheme and faced extensive post-loss compliance and document demands. Despite those obstacles, the matter resulted in recovery of the full policy limits.

• Construction defect losses exceeding $10 million pursued for major hospitality property. A large hotel and residential property sustained extensive damages arising from construction defects with losses exceeding $10 million. The matter involves ongoing representation concerning complex property damage issues and related insurance recovery.

• Appraisal provision challenge produced full payment and policyholder-wide relief. A challenge to insurer objections over appraisal impartiality language was pursued on behalf of similarly situated policyholders through class action litigation. The insurer ultimately abandoned its objections, agreed not to enforce the provision prospectively, paid the named insured in full, and covered 100% of the legal fees incurred.

• Nearly $30 million recovered for hurricane damage to high-rise residential projects. Two neighboring 19-story apartment projects under construction suffered extensive damage from Hurricane Irma. Through negotiation and without litigation, nearly $30 million in insurance proceeds was recovered while the claim process continued across multiple insurance layers and related third-party construction issues.

• Multimillion-dollar property portfolio claims pursued across hurricane and fire losses. A South Florida property owner sustained more than $65 million in damage across four commercial properties, followed by a separate fire loss at one of the locations. A multimillion-dollar settlement was obtained for the fire claim, while representation on the hurricane-related losses has continued through the complex multi-layer claim process.

• Denied pharmacy loss claim resolved through pre-suit mediation. A pharmacy suffered major property, equipment, water, and inventory damage during a break-in, but the insurer denied the claim before counsel became involved. Through pre-lawsuit mediation, the matter was resolved for a substantial recovery.

• Late-notice construction defect claim resolved despite summary judgment pressure. A property developer faced a summary judgment motion based on allegedly late notice of a claim arising from ensuing water damage related to faulty construction. Through mediation, a substantial six-figure recovery was obtained while preserving the developer’s ability to pursue related claims against the contractor and other responsible parties.

• Commercial plumbing leak claims yielded full recovery, interest, and fees. A commercial property suffered major damage from a plumbing leak, and the coverage dispute was first returned from federal court to state court before appraisal was compelled. After a second related water loss was identified and successfully included in the dispute, the insured obtained 100% recovery on both claims together with interest and fees.

• Class action settlement addressed improper post-claims underwriting practices. After extensive litigation, a state court approved a class action settlement on behalf of homeowner policyholders challenging an insurer’s practice of rescinding policies after claims were made based on alleged application inaccuracies. The settlement required the insurer to establish a substantial reserve to compensate affected policyholders.