Apalachicola Insurance Disputes Lawyers

Helping homeowners, renters, businesses, churches after disaster strikes the Panhandle


Apalachicola is home to many beautiful residences and businesses. Its location, however, makes it a target for hurricanes, tornadoes, and other natural disasters. Fires can also destroy buildings and force businesses to cease operations. When an accident or natural disaster occurs, you don’t have the luxury of waiting years to get the funds you deserve. You want an experienced attorney who will cut through the red tape and bogus excuses to get you back on your feet as soon as possible.

At Warhurst Law, we help clients get back up on their feet. Our Apalachicola insurance dispute attorneys are led by Gene Warhurst, a former claims adjuster. Together, we make sure your claim is properly investigated, and that the insurance company doesn’t play fast and loose with your money. Call us today to find out if we can help you.

Warhurst Law handles natural disaster claims throughout Florida

We represent all types of homeowners – single residence, mobile home, duplex, and condominium. We also represent commercial policyholders, and non-profit and religious organizations. Our Apalachicola insurance dispute lawyers represent Florida insureds whose policies entitle them to compensation after a loss.

Many of the claims we handle are due to the following natural disasters and accidental disasters:

  • Fires. When fires happen, often, you will need to rebuild your home from scratch. Smoke and ash can cause even more damage, in some cases, than the flames cause. It’s critical that the amount you receive reflects the value of your loss or, better still, the full amount you need so that you are placed in the same position financially as if the fire had never happened.
  • Hurricanes. Hurricanes like Michael and Irma are a constant threat throughout the spring, summer, and early fall. The severe winds and rain destroy everything in their path. If the broken structures caused by the wind don’t get you, the downpours and flooding will. You need an experienced hurricane lawyer who works with professionals to promptly investigate your property and evaluate what repairs or new work is required and what items need to be replaced.
  • Tornadoes. According to the Insurance Information Institute (III), America suffers more tornadoes than any other country. The III also states that “Tornadoes accounted for 39.9 percent of insured catastrophe losses from 1997 to 2016, according to Verisk’s Property Claim Services.” We understand how to process and collect the proceeds due from your insurance company when tornadoes strike.
  • Hail and windstorm damage. These events cause much damage throughout Florida. Your homeowners’ policy should cover damages from hail and wind. If it doesn’t, then many property owners file claims through a separate hail and wind insurance policy.
  • Floods. While some homeowners’ policies cover water damage from storms, as a general rule, you need to have a separate flood insurance policy to collect for flood damage. These policies should be available through the government’s National Flood Insurance Program.

Other disasters that should be covered by homeowners’ or other insurance include earthquakes, winter storms, and thunderstorms.

Our Case Results

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

Katrina Settlement

$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

Warhurst laws handles complex property and business claims

Our Apalachicola insurance dispute attorneys represent individuals, organizations, and businesses in the following types of insurance matters:

  • Property claims. Many claims involve damage to a home or a building due to natural disasters or other causes. We work to help our clients inspect the property. We pay special attention to the possibility of hidden damages and damages that may not appear immediately. We help you document all your losses. Our entire team is trained to work quickly and aggressively to get you a just settlement, and to also get you temporary funds that you often need – such as the funds to relocate until repairs can be made.
  • Condominium claims. We represent homeowners’ associations (HOAs) and individual unit owners so that:
    • It’s clear which insurance carrier is responsible for which part of the complex. HOA insurance is different than condo unit insurance.
    • The repairs are prioritized so that the complex can be repaired quickly, and homeowners can move back into their homes quickly.
    • Decisions are properly made about what items should be repaired, and which items should be rebuilt from scratch.
    • All repairs, rebuilding operations, and damaged possessions are properly valued.
  • Business interruption losses. One of the most difficult insurance dispute areas we take pride in handling well are insurance claims when your business needs to stop operating while buildings are repaired and renovated. Business interruption damage includes:
    • Accurately determining your lost revenue
    • The overhead and continuing expenses such as insurance and employee payments that are due while you’re not operating
    • The cost to get your business back online
    • The expense of notifying clients, customers, vendors, and others that you’re working to get your business opened as quickly as possible
    • Many other business interruption issues
  • Bad faith claims. Our lawyers know that insurance companies want to keep your money. Insurance companies need to be held accountable when they try to pressure you into a lowball settlement, assert legal arguments that have no merit, fail to investigate your claim, and commit other acts of misconduct. We demand they pay the full value of your claim (not just the policy limits), legal fees, interest, and punitive damages.

The most basic rule in insurance disputes is that the insured should never sign a release before he or she speaks with an insurance lawyer.

Understand your rights when disasters strike your Apalachicola home or business

At Warhurst Law, we take pride in our fight to get you the best results possible. We know that your case isn’t just about getting money. It’s about where you live, where you sleep, who your neighbors are, and how your family will survive. If disaster destroys or damages your home and stops you from working, our experienced Apalachicola lawyers are ready to fight for you. Call 251-207-1296 or fill out our contact form to see if we can help. We represent individual, non-profit, and business owners, homeowners, and property owners throughout Florida, including Apalachicola, Pensacola, Destin, Panama City, and Port St. Joe.

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

Text Us251-207-1296