QUESTIONS | KPS-LAW

Why These Claims Are Difficult

Insurance policies are written by lawyers—for insurance companies. They’re full of conditions, exceptions, and requirements that aren’t easy to understand. One missed deadline or misunderstood clause can lead to a denial.

That’s where we come in. We understand how these policies work, what your rights are, and how to hold insurers to their obligations.

What To Do After Property Damage

If your property has been damaged, here’s what we recommend:

Take clear photos and videos of the damage right away.
Protect the property from further damage if it’s safe to do so.
Get a copy of your policy (not just the summary).
Keep a log of any communication with the insurance company.
Call us before signing anything or agreeing to a settlement.

Let’s Talk About Your Claim

You don’t need to face the insurance company alone. Whether your claim is still open, already denied, or underpaid, we can help you figure out your options. We offer consultations so you can get answers—and peace of mind.

Contact KPS Law, PLLC today. We’ll review your situation and help you take the next step forward.

Common Issues in Commercial Claims

· Structural Damage from storms, water, fire, or vandalism

· Damage to Equipment or Inventory

· Interruption of Operations due to unsafe conditions or required repairs

· Loss of Business Income during closure or reduced capacity

· Disputes Over Repair Scope or Valuation

· Delays or Denials from the Insurance Carrier

Business interruption claims are especially challenging. Insurers often dispute how long the business should have been closed or how much income was actually lost. They may apply narrow definitions or ask for unreasonable proof. We gather the right records, work with forensic accountants when needed, and present a clear case for full compensation.

Why Legal Help Matters in Commercial Claims

Commercial policies are often more complex than residential ones. They involve multiple coverages, endorsements, and time-sensitive requirements. A single error or delay can reduce—or eliminate—coverage.

At KPS Law, we manage every step of the claim so you can focus on running your business. We deal directly with the insurance company, prepare the supporting documentation, and push for a prompt, fair resolution.

We Represent Business Owners Across Florida

Whether your business is a small family operation or a large commercial property, we’re ready to help. We’ve handled claims involving:

· Apartment and multifamily properties

· Restaurants and hospitality businesses

· Retail stores and office buildings

· Medical and dental practices

· Warehouses and distribution centers

If your business is recovering from property damage and the insurance process isn’t going the way it should, contact KPS Law, PLLC today. We’ll review your claim, explain your rights, and help you move forward with confidence.