Other Types of Damage
Other Property Damage Insurance Claims – Boats & Business
Not all insurance disputes involve traditional home or building damage. Many Florida policyholders experience serious losses in less-obvious categories — such as damage to boats, commercial equipment, inventory, association property, or assets not insured directly but connected to a covered cause of loss. Claims like these are often delayed, underpaid, or denied entirely because insurers rely on narrow policy wording or argue limited responsibility.
Our firm assists with non-standard and complex property damage insurance claims for Florida businesses, boat owners, landlords, and condominium property owners. We analyze your policy as a legal contract, clarify coverage rights, and work to establish compensation by proving the relationship between the damage and the insured event. Whether the loss involves boat damage, commercial property or stock, HOA/condo-related property, or indirect losses tied to a covered incident, we focus on securing the recovery you paid premiums for — not what the insurer wants to minimize.
How We’re Different
- Florida representation focused on complex and non-typical property damage claims
- Experience with boat, business, commercial and association-linked losses
- Detailed policy interpretation to uncover coverage opportunities carriers overlook
- We simplify coverage obligations so clients understand their rights clearly
- Evidence-driven claim presentation using documentation, valuation & causation proof
- No attorney fees unless we recover compensation
Our Process
- Consultation & Policy Review
We discuss how the damage occurred and review the policy contract to identify coverage pathways based on property classification and loss type. - Damage & Coverage Analysis
Documentation, photographs, invoices, commercial records, and repair estimates are evaluated to determine scope and causation. - Claim Building & Submission
We compile and present evidence, prepare or reopen your claim, and address how coverage applies to boats, business assets, or association property. - Negotiation & Recovery
We communicate directly with the insurer, dispute low valuations, and pursue compensation reflecting the real value of the loss.
5. Litigation or Dispute Resolution
If the insurer refuses to pay what is owed, we escalate through litigation or formal dispute channels to enforce your rights.