Guide to Filing Property Insurance Claims and the Pre-Litigation Steps on that Get Claims Moving Forward!

Nicole Vinson | Stockham Law Group, P.A.

Nicole Vinson is a sixth-generation attorney, who has dedicated her career to advocating for policyholders with property damage claims. She provides a strategic and detail-oriented approach to provide strong legal representation and seeks swift resolutions for her clients. She is an attorney in the Tampa office of Stockham Law Group, P.A. She received her Juris Doctor from Florida Coastal School of Law in 2007, Prior to law school, Ms. Vinson graduated from Albion College in Albion, Michigan, and is a graduate of the Gerald R. Ford Institute for Leadership in Public Policy and Service.

Ms. Vinson handles claims caused by windstorm, water, hurricane, hail, sinkhole, fire, smoke, flood, collapse, theft, and vandalism and more for policyholders. Ms. Vinson has also helped businesses recover benefits under commercial policies for extensive business losses. Holding insurance companies accountable can result in Ms. Vinson litigating the unfair and deceptive claims handling matters for her clients. Having worked as counsel in many jurisdictions during times of disaster. Ms. Vinson with the experience to address improper claims handling losses.

I. Steps to take if you believe the claim is undervalued or improperly denied | 11:00am – 12:00pm

• Condo, commercial buildings, homeowner claims
  • Special considerations for hurricanes and the timeliness of bringing claims
  • Understanding the damages found by the insurance company and those that might have been missed
• Insurance company’s response after a disaster can be a disaster
  •  Next steps to consider
    • Possible Civil Remedy Notices or the like
      • Cures and resolution
    • Possible Notice of Intent to Litigate or the like
      • Avenues for Resolution

Break | 12:00pm – 12:10pm

II. Properly notifying the carrier of the damages in dispute | 12:10pm – 12:40pm

• Notification
• Sworn statements in proof of loss
• Responding to a request for inspections or examinations with records requests
• Understanding the damages- ask the experts!

III. Special new 2024 considerations need to be considered when looking at property damage policies | 12:40pm – 1:10pm

• 1-percent matching endorsements
• Arbitration provisions
• 10,000 water limits