Commercial Property Insurance Claims

Business owners have to protect their business assets against many different kinds of risk, from employment issues to inventory maintenance. In Central Florida, weather damage is a significant risk for businesses that operate “brick and mortar” locations. Wind, rain, hail, and hurricanes do not discriminate between homes, offices, retail locations, warehouses, and other buildings. This is why commercial property insurance is so important for business owners. Insurance is supposed to provide peace of mind that, if a Florida business suffers damage, some relief will be available. Wrongful denials of commercial property insurance claims violate the contract between a business and its insurer.

Cordova Law Firm PLLC helps businesses and business owners fight back against insurance companies that wrongfully deny property insurance claims. Our team of experienced legal and insurance professionals have many years of combined experience dealing with insurance companies. We know how they investigate claims, how they make decisions, and how they try to make a wrongful denial sound reasonable. Give us a call, or contact us online, to set up a 100% free consultation to discuss your rights and options in your case.

Types of Commercial Property Insurance

Insurance helps businesses protect themselves against losses caused by accidents and other unforeseen events. Common types of insurance that businesses may need include:

  • General liability insurance, which covers claims for injuries on business premises, such as a slip-and-fall accident.
  • Fire insurance, which covers claims for damage to business property and inventory caused by fire.
  • Crime insurance, which covers claims for losses due to burglary, theft, and other criminal acts.
  • Property insurance, which covers damages to commercial property caused by weather and other sudden events.

Wrongful Denial of Commercial Property Claims

Insurance companies investigate and analyze every claim for property damage thoroughly and carefully. This makes sense from their point of view. They are also businesses, and they have to protect themselves against fraudulent claims just like other businesses have to protect against various forms of loss. The problem comes when insurance companies deny valid claims, either because they made a mistake or because they are acting in bad faith.

After many years of practice, the insurance industry has gotten very good at phrasing wrongful property insurance claim denials in ways that do not sound wrongful at first glance. Scratch the surface a little, though, and the problems with the denial become apparent.

Common reasons given for commercial property insurance claim denials are quite similar to those for residential property insurance, such as:

  • Exclusion from coverage: If a property insurance policy does not cover a particular kind of damage, such as fire damage, the insurance company will deny such claims.
  • Timeliness: Insurance policies require policyholders to make a claim within a certain amount of time after a loss, and insurance companies deny claims that they say are untimely.
  • Insufficient prevention: Property insurance may only cover damage caused by events that were out of a business’s control. If an insurance company believes that a business failed to take reasonable measures to prevent a loss, it may deny a claim for that loss.
  • Insufficient documentation: Insurance companies require extensive paperwork to prove that a loss occurred, that it falls within the scope of coverage, and that it cost the business as much as the business claims. If the documents provided do not support the claim, the insurance company will deny it.

Disputing a Wrongful Commercial Property Insurance Claim Denial

A commercial property insurance policy is a contract between two businesses. The policyholder agrees to pay premiums to the insurance company. In exchange, the insurance company promises to cover claims made by the policyholder in accordance with the terms of the policy.

The first step in disputing the wrongful denial of an insurance claim is to review the policy to see if the insurance company has fulfilled all of its contractual obligations. Did it conduct a full and fair investigation? Did it provide a written explanation of the reasons for the denial? Did it consider all of the relevant facts and circumstances?

Many insurance disputes can be resolved through an appeal to the insurance company itself. Faced with the possibility of further legal wrangling, the company may decide that settling the claim is the best course of action. If that does not produce results, the Florida court system provides a venue for wrongful insurance denial claims.

Florida Commercial Property Claim Denied? Just Call Us.

If your business has suffered damages, and your insurance company has wrongfully denied your claim, the Florida property insurance claims attorneys at Cordova Law are here to fight for your rights. Please call us today at (321) 267-3682(CORDOVA) to schedule a free, confidential consultation to see how we can help you.


“If you choose an attorney choose one that is going to give you results and treat you like a human and not just a number!!!”
– Paula Guzman

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