Insurance Claims
Upon the discovery of damages caused by water infiltration and/or a hurricane or other storm, associations and
owners should locate all insurance policies, contact an attorney and the insurance carrier.  A policy holder's
insurance claim is known as first party insurance whereas a claim against another owner and/or their insurer is
known as third party insurance claims.

Insurance policies sometimes do not cover mold damage and require an additional premium for such coverage,
pursuant to recent Florida law.  It is important to cooperate with insurers; however, consult with an attorney
whenever you have questions.  

Insurance policies also commonly include a requirement for a claimant to submit a dispute to an appraisal process
whereby the insurer and owner each appoint their own appraiser and both meet without attorneys with an umpire
to determine whether there is liability warranting an award, and if so, the amount of the award.  

Smaller claims such as with condo unit owners sometimes have pre-suit mediation whereby the insurer and the
insured meet with a neutral third person who assists the parties with reaching an amicable resolution to the claim.

It is recommended for each person facing these difficult issues to consult with an experienced attorney.

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Call or send an e-mail today for a free initial consultation at (954) 752-1131 and/or
Andrew@DemosLaw.com

The information contained on this page and within this website is not to be construed as legal advice and any persons
interested in obtaining information for a particular situation should contact an attorney to discuss same.  A legal opinion
will be provided if and when a consultation with our office occurs.  Please contact our office today.  

The hiring of an attorney is an important decision that should not be based solely upon advertisements.  Before you hire
an attorney, you have a right to ask for further information regarding the attorney's background, training and experience.

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We work diligently to recover insurance
proceeds from insurance carriers who deny
claims and/or offer only a partial payment
toward needed roof replacements at
condominiums, drywall damage and other
recoveries from insurers.  Strict time limitations
apply, contact us today for a free analysis
regarding any outstanding insurance claims that
you may have.