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Meet Gina Clausen Lozier

Gina Clausen Lozier


Gina Clausen Lozier
  • Obtained jury verdict for a homeowner for 100% of the damages sought, successfully defended the verdict on appeal, obtained a significant award of over one million dollars in fees and costs including a 1.5 multiplier, and then obtained a significant bad faith settlement.
  • Obtained a substantial settlement for the owner of a jai-alai/casino facility after filing suit where insurance company failed to acknowledge coverage for the significant losses insured incurred as a result of employee embezzlement.  And through a pre-mediation, obtained a substantial settlement for this same facility in an unrelated roof collapse claim overcoming an unfavorable burden of proof with respect to the coverage provision in the policy and exclusions concerning a collapse.
  • Obtained full policy limits for a company following a multimillion-dollar embezzlement scheme instituted by one of its employees following substantial requests for post loss compliance and document production.
  • Representing the owner of large hotel/residential property in Miami Beach with respect to various damages resulting from construction defects at the property which exceed $10 million.   
  • As a result of a class action, our Insurance Practice Group filed on behalf of similarly situated policyholders challenging the impartiality language in the appraisal provisions in insurance policies in which an insurance company was objecting to insureds’ chosen appraiser, the insurance company abandoned its objections, agreed prospectively not to enforce the applicable provision, paid the named insured the full amount of damages incurred, and paid 100% of the legal fees incurred.
  • Through negotiation and without the necessity of litigation obtained $28 million in insurance proceeds for the owner of two neighboring, 19-story, residential apartment projects that were under construction at the time of Hurricane Irma.  The hurricane caused well over $50 million dollars in building and other damages.  Our Insurance Practice Group has assisted and continues to assist the property owner throughout the claim process in counseling it as to submittal of multiple proofs of loss to multiple layers of insurance companies, complying with post-loss requests, assessing and documenting the damages, assembling a group of experts to analyze and assess the damages, and analyzing and evaluating claims by and against third parties. 
  • Representing the owner of four commercial properties in South Florida – all of which suffered damages in excess of $65 million and representing this owner as to a fifth loss as to one of these properties which subsequently suffered a fire loss.  Our Insurance Practice Group obtained a multimillion-dollar settlement just as to the fire loss.   As to the Irma claims, our Insurance Group continues to assist the owner throughout the claim process in counseling it as to the submittal of multiple proofs of loss to multiple layers of insurance companies, complying with post-loss requests, assessing and documenting the damages, assembling a group of experts to analyze and assess the damages, and analyzing and evaluating claims by and against third parties. 
  • Using a pre-lawsuit mediation, obtained a substantial recovery for a pharmacy which sustained damage to its property and equipment resulting from a break-in at its pharmacy. During the break-in, the perpetrators not only caused direct physical damage but also broke a pipe within the interior causing water damage throughout the pharmacy and a loss of a significant portion of its inventory.  Our Insurance Practice Group ultimately prevailed despite the insurance company’s denial of the claim prior to our involvement.
  • Successfully represented numerous condominium associations in obtaining nearly 100% of the amount demanded without the necessity of the filing of a lawsuit which resulted in a multimillion-dollar recovery for the association and prompt recovery of funds.
  • In the face of a summary judgment motion based on a presumptively late notice to the insurance company of the insured’s claim, through mediation, our Insurance Practice Group, obtained a substantial six figure recovery for a property developer and preserved the balance of the construction defects claim for the developer to pursue against the contractor and related parties.   This claim arose out of ensuing water damages from faulty construction.  Despite the insurance company’s contention that the reporting of the claim was presumptively late, we were able to overcome this prejudice assertion by showing the insurance company’s investigation was insufficient and by showing there was ample evidence from which the insurance company could evaluate the claim.
  • Recognizing that the federal forum was not advantageous for the insured, our Insurance Practice Group successfully argued that the federal court should remand the coverage dispute to the state court with respect to a commercial property loss which resulted in substantial damage from a plumbing leak.  Thereafter, the state court granted the insured’s motion to compel appraisal and forced the insurance company to appraise the loss.  During the course of the appraisal, it was discovered that insured had sustained damage from a plumbing leak originating from another location.  We reported this water event and asserted that it should also be appraised.  The insurance company fought the inclusion of the additional claim in the appraisal and filed an action to determine coverage for the additional loss.  Ultimately, the insurance company agreed to appraise the amount of the additional loss but maintained its conditions to coverage.  We successfully obtained 100% recoveries for the insured as to both claims together with interest and fees.
  • After years of extensive litigation, a state court approved a class action settlement in favor of a class of homeowner policyholders which alleged that the insurance company engaged in a general business practice referred to as “post-claims underwriting.”  The Class alleged that once an insured made a claim to the insurance company it would conduct a very simple underwriting analysis it did not do in the first place and would void the policy “ab initio” so that it could effectively deny coverage based on purported, “incorrect statements” in the applications. Although the practice is not per se illegal and Chapter 627.409, Florida Statutes, allows for this practice, the Florida Office of Insurance Services, the Florida Office of the Insurance Consumer Advocate, and the Florida Legislature have all described this practice as against the public policy of Florida.  After extensive discovery and litigation, the parties reached a settlement in which the insurance company created a substantial reserve to compensate the victims of its improper practice.
  • Chambers & Partners USA, America’s Leading Business Lawyers, Insurance (Florida), 2018-2022
  • Daily Business Review, “Best Mentor”, Professional Excellence Award, 2022
  • Florida Super Lawyers
    • Rising Star, 2013 – 2017
  • Certified Educator by the Department of Financial Services
  • Certified Property Loss Umpire – The Property Loss Appraisal Network (PLAN)
  • Executive Board, Windstorm Insurance Network (WIND)
  • Conference Co-Chair 2022, Windstorm Insurance Network (WIND)
  • Weather Ready Nation Ambassor
  • RIMS Associate Member 
  • Member, Law360‘s Insurance Authority Property Editorial Advisory Board; 2022.
  • Member, Association of Professional Insurance Women
  • Member, Chamber of Commerce of the Palm Beaches
  • Member, Palm Beach South County Bar Association
  • Member, S. Barnard American Inn of Court – Palm Beach County
  • Associate Member, Florida Association of Public Insurance Adjusters
  • Member, National Association of Public Insurance Adjusters
  • Member, Property Insurance Fraud Task Force
  • Windstorm Insurance Network, Conference Chair 2019
  • Member, Windstorm Insurance Network Bylaw Committee, 2016
  • Windstorm Insurance Network Fellow
  • Windstorm Conference Education Committee, 2012
  • Former President of the Florida Chapter of the National Society of Professional Insurance Investigators
  • South Florida Claims Association
  • Defense Research Institute (DRI)

Law360 Quotes Gina Clausen Lozier in, “Fla. Will End One-Way Fees For Property Insurance Suits”

December 16, 2022

Fox4 Features Gina Clausen Lozier in, “Legislature considers ending one-way attorney fees”

December 14, 2022

Insurance Journal Features Gina Clausen Lozier in, “Florida Bills Offer Broad Attack on Insurance Costs: Legal Fees, AOBs, Reinsurance”

December 12, 2022

WFTX FOX 4 features Gina Clausen Lozier in, “As 90 deadline approaches, experts warn of mass insurance denials.”

December 2, 2022

Insurance Journal Quotes Gina Clausen Lozier in, “Florida CFO Calls for Ban on Assignments of Benefits, Limits on Public Adjusters”

October 20, 2022

Daily Business Review Quotes Gina Clausen Lozier in, “Hurricane Ian Might Not ‘Crater’ Florida’s Insurance Market, But Here’s What to Expect”

October 18, 2022

Tampa Bay Business Journal and Orlando Business Journal quote Gina Clausen Lozier in, “Uninsured flood devastation pushes Ian loss estimates higher”

October 12, 2022

GRID Quotes Gina Clausen Lozier in, “Florida’s insurance market was already in crisis. Then came Hurricane Ian. Will taxpayers end up on the hook?”

October 6, 2022

NBC News -NOW Tonight with Joshua Johnson Features Gina Clausen Lozier in “Storm Could Strain Florida Insurance Industry”

September 30, 2022

USA TODAY Features Gina Clausen Lozier in, “Insurance fraud expert warns Florida homeowners of scams after Hurricane Ian”

September 30, 2022

NewsNation Quotes Gina Clausen Lozier in, “Homeowners Warned of Hurricane Insurance Scammers”

September 30, 2022

WFTV9 featured Gina Clausen Lozier in, “Amid homeowner’s insurance crisis, residents brace for Hurricane Ian”

September 26, 2022

Property & Casualty 360 Quote Gina Clausen Lozier in, “Climate change is generating insurance, legal issues”

September 23, 2022 Quotes Gina Clausen Lozier in, “Climate change is generating insurance, legal issues”

September 23, 2022

Daily Business Review Quotes Gina Clausen Lozier in “‘It’s a Big Problem’: The Insurance Industry Is the Harbinger of South Florida’s Climate Change Risks”

August 29, 2022

Forbes Advisor Quotes Gina Clausen Lozier in “These Are The Worst Home Insurance Claim Mistakes”

June 2, 2022

Daily Business Review Quotes Gina Clausen Lozier in “‘If the Big One Hits’: What South Florida Attorneys Need to Know About Hurricane Season 2022”

June 2, 2022

Insurance Journal Quotes Gina Clausen Lozier in “Policies’ Arbitration, AOB Endorsements are Unconstitutional, Florida Lawsuit Claims”

May 19, 2022

Law360 Quotes Christopher Choquette and Gina Clausen Lozier in ‘Florida Insurance Crisis Bleeds Into Reinsurance, Experts Say’

May 17, 2022

Daily Business Review Features Gina Clausen Lozier in, “Best Mentors: Gina Clausen Lozier Has Found Good Leadership Means ‘Relinquishing Control'”

May 9, 2022

Insurance Journal Quotes Gina Clausen Lozier in, “Florida Governor Said to Be Eyeing Texas-Style Litigation Law for Special Session”

May 6, 2022

Insurance Journal Quotes Gina Clausen Lozier in, “Consumer Advocate, Florida Trial Lawyers Concerned about Arbitration in Claims Disputes”

April 8, 2022

Daily Business Review Honors Gina Clausen Lozier Among Best Mentors in 2022 Florida Legal Awards

March 30, 2022

Miami Today Features Gina Clausen Lozier in, “As Firms Fail, Citizens Insurance Heads Toward 1 Million Policies”

March 15, 2022

Law360 Quotes Gina Clausen Lozier in, “Insurer Can’t Skirt Appraisal Of Condos’ Hurricane Claim”

August 18, 2021 quotes Gina Clausen Lozier in, “What to do if your homeowners insurance is canceled”

June 16, 2021

Law360 quotes Gina Clausen Lozier in, “Fla. Justices Close Extra Damages Avenue For Policyholders”

January 25, 2021

Insurance Journal Features Gina Clausen Lozier in, “Hurricane Irma’s ‘Last Gasp’: 3-Year Claims Deadline Put to the Test”

September 9, 2020

FOX Business Quotes Gina Clausen Lozier in “Florida businesses not prepared for hurricane season amid coronavirus pandemic, survey finds”

August 2, 2020

Forbes Quotes Gina Clausen Lozier in “Why Are Insurance Policies Impossible To Read?”

July 26, 2020

Florida Politics features Berger Singerman’s 5th Annual Hurricane Preparedness Survey in “Florida business owners fear rough winds in storm season”

July 26, 2020

Berger Singerman’s Michael Higer and Gina Clausen Lozier Named 2019 “Most Effective Lawyers” By Daily Business Review

December 8, 2019

Sun Sentinel Quotes Gina Clausen Lozier in, “Plan ahead for the post-Hurricane Dorian insurance claim you hope to never make”

August 28, 2019

Law360 quotes Gina Clausen Lozier in, “Fla. High Court Bolsters Policyholders In Bad Faith Case”

September 23, 2018

Sun Sentinel quotes Gina Clausen Lozier in, “Check fine print: Business interruption insurance harder to claim than many think”

September 28, 2017

GlobeSt interviews Michael Higer and Gina Clausen Lozier in, “After Irma, When Will Insurers Pay Your Claims?”

September 26, 2017

Newspaper Media Group quotes Gina Clausen Lozier in, “Avoid getting soaked – check insurance policy”

February 16, 2017

Law360 quotes Gina Clausen Lozier on “Fla. Policyholders Gain Slight Edge In Property Damage Cases”

November 30, 2016

Law360 quotes Gina Clausen Lozier on “Matthew’s Battering Of Fla. Won’t Capsize Insurers”

October 6, 2016 quotes Gina Clausen Lozier, “What to do if your homeowners insurance is cancelled”

September 19, 2016

Daily Business Review quotes Michael Higer and Gina Clausen Lozier on “Hurricane Lawyers and CPAs: Be Ready for the Storm”

June 29, 2016

Local 10 News quotes Gina Clausen Lozier on “Citizens policyholders ask for help deciphering ‘take-out’ letters”

January 24, 2016

Daily Business Review, “Career Growth: Success Mentorship in the Legal Industry”

May 20, 2022

Law360 “11th Circ. Ruling Highlights Trend Of Stricter Insurer Valuation”

February 7, 2022

South Florida Business Journal “Litigation risks high in Florida: Business owners and property managers should be on alert”

February 16, 2021

Law360 “Assessing Fla. Insureds’ Hurricane Losses During A Pandemic”

August 18, 2020

Property Casualty 360, “COVID-19 and Hurricanes: The Perfect Storm”

June 28, 2020

Daily Business Review, “Hurricane Season Insurance Claims Expectations vs. Reality”

June 24, 2019

Growing America, “Crop Insurance: Read the Fine Print”

July 29, 2018

Daily Business Review, “Learning from Hurricane Irma: Properly Insuring and Protecting Your Business”

June 20, 2018

Law360, “Protecting Your Construction Site During Hurricane Season”

May 30, 2018

Miami Herald, “Here’s what to know about insurance coverage for your business after Irma”

September 16, 2017

Miami Herald, “After the storm: Small businesses should anticipate insurer’s document requests”

July 15, 2017

Daily Business Review, “New Hurricane Center Guidelines: Update Your Emergency Action Plan Now”

June 8, 2017

Condo Management, “Best practices for handling a hurricane insurance claim”

June 6, 2017

Law 360, “Zika In Florida: Hope For The Best, Plan For The Worst”

August 21, 2016

Daily Business Review, “You Don’t Have to Be Bitten to Be Affected by Zika”

August 8, 2016

Law360, “Insurance Agents – Help Your Client, But Protect Yourself”

June 30, 2016

Daily Business Review, “Citizens: Is the Grass Always Greener on the Other Side?”

February 3, 2016

  • Berger Singerman
  • Higer Lichter & Givner
  • Groelle & Salmon, PA

Gina Clausen Lozier is a founding partner of Clausen Choquette PLLC and focuses her practice on first and third-party claims and coverage analysis. Gina is one of only three lawyers in Florida recognized in the prestigious legal publication Chambers for her work on policyholders’ behalf.

Gina dedicates her practice to representing commercial policyholders. Previously, Gina was a partner with a statewide insurance defense firm. She was responsible for overseeing the investigation and litigation of disputed claims and represented numerous Florida and out-of-state carriers. Ms. Clausen Lozier defended hundreds of windstorm claims following the 2004 – 2005 Hurricane Season and has been an active committee member and presenter for the Windstorm Insurance Network. She was also significantly involved in the investigation of fraudulent insurance claims from examination under oath through litigation. She was a regular presenter at the Florida Insurance Fraud Education Committee Conference and the Florida Arson Committee and Prevention Conference, where she educated attendees on issues related to the investigation of fraudulent claims, including fire losses. Gina is also on the executive board of the Windstorm Insurance Network. She is frequently consulted by media sources regarding insurance issues across Florida.

Practice Areas



J.D., University of Toledo, College of Law

B.A. in Psychology/Sociology, Bowling Green State University

Bar Admissions


U.S. Court of Appeals, Eleventh Circuit

U.S. District Court, Middle District of Florida

U.S. District Court, Southern District of Florida

U.S. District Court, Northern District of Florida

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