Insurance Coverage Counsel for Miami Policyholders

A disputed property claim can leave owners balancing repairs, unanswered coverage questions, and an insurer’s request for more information. Clausen Choquette PLLC represents policyholders and businesses across Florida, including Miami, in insurance coverage analysis and litigation.

When the disagreement involves more than the repair estimate

A claim may involve several separate questions: what caused the damage, which policy provisions apply, and whether the insurer’s payment addresses the claimed loss. For a Miami property owner reviewing a denial or underpayment, understanding the insurer’s stated position is the starting point. Our attorneys examine the policy, endorsements, correspondence, and available loss documentation to identify the issues that need to be addressed.

A focused review of property and liability coverage

The firm’s coverage practice includes commercial and residential property, construction, liability, and excess insurance matters. A business owner facing a liability claim may need a different analysis from an owner disputing payment for building damage. We organize the review around the actual policy and dispute, then explain the available paths in practical terms.

Organizing a multi-party property dispute

When a loss involves an owner, an association, a tenant, or contractors, it helps to separate each party’s role from the insurance question. Materials useful for an initial discussion may include the complete policy, the insurer’s decision, photographs, estimates, and relevant agreements. This is an illustrative situation, not a description of a particular firm case.

From coverage analysis to dispute resolution

A written response, additional investigation, negotiation, mediation, arbitration, or litigation may be appropriate depending on the policy and facts. Clausen Choquette evaluates the disputed issues before recommending a strategy. The goal is a clear understanding of what is contested and what evidence will support the next step.

This page is part of the firm’s Florida insurance coverage and commercial litigation practice. Related services include Insurance Coverage Analysis, Insurance Litigation & Arbitration, and Commercial Litigation.

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Frequently Asked Questions About Miami Insurance Coverage

A denial letter states the insurer’s position, but it is not necessarily the final word. The firm reviews the denial alongside the policy, endorsements, and loss documentation to identify which provisions are actually in dispute. That review helps determine whether a written response, additional documentation, negotiation, or litigation is the appropriate next step.

Yes. An underpayment can be disputed just as a full denial can. The review begins with the insurer’s payment explanation, the policy provisions it relies on, and the estimates or invoices supporting the claimed loss. From there, counsel can assess what remains unpaid and why.

Useful starting materials include the complete policy with endorsements, the insurer’s decision letters, photographs, repair estimates, and any inspection reports. A timeline of communications with the insurer also helps counsel understand how the claim developed. These materials are reviewed in the context of the specific dispute.

A property dispute concerns damage to your own building or belongings, while a liability dispute concerns a claim someone else brings against you or your business. Each involves different policy provisions and different evidence. The firm’s coverage practice includes both, and the analysis is organized around the actual policy and dispute.

Often, yes. Many disputes are addressed through a written response, further investigation, negotiation, mediation, or appraisal before litigation becomes necessary. The firm evaluates the disputed issues first and recommends a strategy suited to the policy and the facts.

Yes. Clausen Choquette PLLC represents policyholders and businesses across Florida, including Miami. If you are facing a coverage dispute, contact the firm to discuss the facts of your matter and the documents that will help evaluate it.

Discuss a Miami Insurance or Business Dispute

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