First party claims are claims brought by an insured (the First Party) against their insurance company when the insurance company breaches their duty to the insured by wrongfully failing to pay benefits. When the insurance company violates the terms and conditions of the insurance policy, then you may have a claim for breach of contract. Our attorneys are well versed in all areas of insurance law; from property and flood insurance to liability insurance; from disability insurance to life insurance litigation; from business interruption insurance as well as claims of bad faith.
Whether andlor to what extent your insurance company responds to your claim for physical damage or to time element losses, is the fundamental question presented by every policy holder after they notify the insurance company following a loss. Every claim is different.
Sometimes the issues are straight forward, but often they are complicated and nuanced. Almost always, they are sensitive, Whether claims are amicably resolved, appraised, arbitrated, litigated or appealed, Gordon and Doner has the depth and breadth of experienced, practically minded attorneys with years of experience dealing with claims examiners, insurance company senior management and insurance defense lawyers throughout the State of Florida.
If you receive a letter from your insurance company containing anything similar to the following statements, you should contact an attorney experienced with handling first-party insurance claims:
- "No coverage for your loss"
- "Your policy has been declared void ab initio based on material misrepresentations in your application"
- "Your claim has been denied due to the concealment of material facts"
- "Your policy was canceled prior to the date of loss"
- "The terms of your policy require you to submit to an Examination Under Oath"
- "The terms of your policy require you to provide us with documents we request"
- "The circumstances of your loss fall within an exclusion of your policy"
- "This letter serves as a reservation of our rights to later deny coverage"
The lawyers of Gordon & Doner will assist you in handling all your first party claims, addressing all coverage’s within your insurance policy. Whether your claim is related to property damage, business interruption, extra expenses incurred as a result of a covered loss, pollutant cleanup and its remcdiation and increased cost of construction, personal property loss and replacement cost issues our main responsibility is to make sure that you are treated fairly by your insurance company.
If you need a skilled first party attorney, please contact Gordon & Doner, P.A. for a free, no obligation, and confidential consultation. At Gordon & Doncr, we believe our system of justice works best when skilled attorneys that have the resources to fully prepare and try a case represent both sides. Please complete our online contact form or call us toll free at (800) 659-1159.
