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Church and Non-Profit Insurance Disputes in Alabama

Skilled Mobile insurance dispute attorneys protecting charities, houses of worship, and other non-profit organizations throughout the state

Religious, charitable, and non-profit organizations all have numerous expenses that must be met in order to service their communities. After a storm, many parishioners seek spiritual and charitable help because their own homes and residences have been destroyed.

At Warhurst Law, we understand the dedication and hard work it takes to help people in need. We understand that, in many cases, it is the people who seek moral guidance, who need help with addictions and abuses – who just need someone to talk to – who can least afford to discontinue getting help while an organization is going through repairs. As an experienced Alabama insurance dispute lawyer and former claims adjuster, attorney Gene Warhurst has been helping churches and non-profits get back on their feet after a disaster for several decades.

Why choose Warhurst Law?

Gene Warhurst started his career as a claims adjuster before making the switch to open a law practice in 1995. His entire life has been dedicated to insurance, and our entire team is dedicated to protecting policyholders. Over the years, we have secured millions of dollars on behalf of our clients, including:

  • $1.566 million in additional compensation for a worship center originally offered $99,330
  • $1.79 million in additional compensation for a church fire claim, where the church was originally offered $110,943
  • $2.226 million in additional compensation for a church fire claim, where the church was originally offered $973,003

Our Case Results

$11 Million Hurricane
Hurricane Katrina property damage of New Orleans apartment complex settled pre-suit.

Katrina Settlement

$2.4 Million Settlement in Commercial Tornado Claim
Warhurst Law secured $2.2 million in additional recovery for a lumber mill damaged in a tornado.

Tornado Claim

$2.226 Million Fire Loss Settlement
Warhurst Law secured more than $2.226 million in additional recovery for a Baptist Church

Fire Loss Settlement

$1.3 Million Car Crash Settlement
Client was in a car accident resulting in severe brain damage.

Car Crash Settlement

$26 Million Hurricane Katrina Settlement
Hurricane Katrina loss of New Orleans Apartment complex previously offered $3 million.

Katrina Settlement

Types of coverage

Homeowners and property owners generally carry property insurance for their buildings and contents. Businesses should have business interruption insurance. Vehicle owners need comprehensive insurance. Churches and nonprofits in or near flood areas should seek flood insurance.

Churches and non-profits should review, before they start operations, all these various types of insurance. They may also be able to purchase a separate “church and non-profit insurance.”

The combined policies should cover the following:

  • Damage to the church, synagogue, or other religious building. This should include:
    • The cost to repair the building. It should also cover the cost to rebuild if a hurricane or other event completely destroys the building.
    • The cost to move to a new location while repairs are being made.
    • The expense to notify parishioners, patients, and anyone who uses nonprofit services of the new locations.
    • Expenses to cover the purchase of new tools and equipment. For example, if a nonprofit hospital needs to use another facility during an emergency, the hospital will need to buy or lease X-Ray machines and other healthcare devices.
    • Loss of personal, often irreplaceable items.
  • Business interruption expenses. Generally, nonprofits are created with the requirement that their focus is not to generate profits. Still, churches and nonprofits do have many expenses which need to be covered if they need to stop operating while repairs are made or while their property is rebuilt. Some of these continuing expenses include:
    • Mortgages
    • Insurance policies
    • Utility bills
    • Regulatory and licensing expenses
    • Information technology expenses
    • Employee expenses
  • Cyber coverage. The sad truth is that being a place of worship won’t necessarily protect you from hackers or cyber criminals. If your data has been breached, you may be entitled to damages for those losses.
  • Additional coverages. Church and nonprofit insurance often includes coverage for many liability issues as well. Churches and nonprofits may need workers’ compensation insurance, general liability insurance, data breach insurance, and other types of protection too.

In some cases, even though the organization isn’t designed to generate profits, lost revenue can still be claimed – depending on legal, tax, and financial factors.

Make the call to an experienced Alabama insurance lawyer today

At Warhurst Law, we understand that getting the funds you paid for isn’t just about the money. For churches and other nonprofits, the proceeds are the lifeblood for helping people in need. Our lawyers have the experience and resources to help organizations file their insurance claims. We demand payment for all the damages your church or nonprofit suffers. To schedule an appointment with a Mobile, Alabama lawyer call 251-694-1932 or complete our contact form to schedule an appointment.  We help churches and nonprofits damaged by disasters – throughout Alabama.

* Warhurst Law cannot and does not guarantee an outcome to any case.