Commercial Damage Claims
Multifamily and commercial property damage often involves multiple stakeholders and intricate policy details. We excel at navigating these complexities so all parties receive fair compensation.
- Free consultation
- No fee unless we recover
- 9+ years fighting for Florida
Free Consultation · No Fee Unless We Recover · 9+ Years in Property Damage
Commercial and multifamily property damage claims are rarely straightforward. Policies can exclude or limit coverage, and insurers may delay, underpay, or deny claims to protect their bottom line. Ramirez Enriquez PLLC has extensive experience representing property owners, condominium and homeowners associations, and managers in disputes over wind, water, fire, and other covered losses. We know how to read commercial policies, work with adjusters and experts, and when necessary, take cases to trial.
What We Handle
- Roof and building envelope damage from wind, hail, and storms
- Water intrusion and mold claims in commercial and multifamily buildings
- Fire and smoke damage to commercial structures
- Business interruption and loss of rents
- Claims involving multiple units, common areas, and association vs. unit-owner coverage
- Disputes over policy exclusions, sublimits, and causation
Why Insurers Deny or Underpay Commercial Claims
Insurers often argue that damage was "pre-existing," "wear and tear," or excluded under the policy. They may lowball repair costs, dispute the cause of loss, or delay until you are pressured to settle. We push back with documentation, expert opinions, and when needed, litigation. Our track record in property damage trials gives us leverage at the negotiating table.
How We Help
- Review and interpretation of commercial and association policies
- Coordination with your board, management, and stakeholders
- Demand letters and negotiation with insurers and adjusters
- Pursuing full compensation for repairs, business interruption, and related costs
- Litigation when insurers refuse to pay what you are owed
Free commercial claim review. No obligation.
No fee unless we recover for you.
Common Questions
- What types of commercial properties do you handle?
- We handle claims for office buildings, retail spaces, warehouses, multifamily residential buildings, mixed-use properties, hotels, and other commercial real estate. If you have a commercial property insurance policy and suffered covered damage, we can help.
- How long does a commercial claim typically take?
- It depends on the complexity of the claim, the insurer's responsiveness, and whether litigation is needed. Some claims resolve in months; others take a year or more. We work to move your case forward efficiently while fighting for full recovery.
- Do you work with associations and property managers?
- Yes. We frequently represent condominium associations, homeowners associations, and property management companies in commercial and multifamily property damage claims. We understand the unique dynamics of association boards and stakeholder communication.