Property Insurance Claims

When your home, property or business is damaged by a storm, fire, hurricane, sinkhole, flood, plumbing break, mold, roof leak, or another sudden and accidental occurrence, the instinctive response is to file an insurance claim. You pay your insurance premiums diligently in order to be prepared for this situation. You should be able to concentrate on rebuilding your property or business, rather than fighting with the insurance company. But, insurance carriers routinely wrongfully deny, underpay or delay payment. Since your insurance company has a team of attorneys and adjusters on their side, you should have your own professional on yours.

Becker will help you maximize your recovery.


Marielle E. Westerman has been handling property insurance claims on behalf of community associations since 2005. Since that time, she has recovered close to 50 million dollars from insurance companies.

Marielle has handled claims involving Allstate, QBE, State Farm, Tower Hill, Citizens, FIGA, American Coastal, Nationwide, etc. She has litigated issues involving the application of the Valued Policy Law, application multiple causation, conversion of an insurance contract into a construction contract, changes to the sinkhole statute involving the definition of “structural damage,” ensuing damage, etc., and has also brought bad faith claims against insurers.

The types of loss she has dealt with are hurricane, water, collapse, sinkhole and flood.

Hugo Alvarez has intimate knowledge of how insurance companies handle and defend first party insurance claims. After working for the current Florida Supreme Court Chief Justice Jorge Labarga as a law clerk, in Palm Beach County, he went to work for insurance companies. He defended insurance companies in first party claims, including bad faith matters, and learned how to navigate these claims from the insurance company’s perspective.

Since 2006, Hugo Alvarez has taken that knowledge and put it to work in successfully representing individuals, developers, businesses, and others, in resolving hundreds of first party claims totaling millions of dollars for his clients including numerous Hurricane Wilma and Hurricane Irma related claims. In 2017 the Dade County Bar Association awarded Hugo Alvarez with its top award for attorneys in Miami handling first party related insurance litigation when it awarded him with its Legal Luminary Award.

Mr. Alvarez has also lectured at the annual statewide Windstorm Conference on first party insurance related issues to an audience of claims professionals handling these claims across the State of Florida.

Sanjay Kurian has substantial experience representing community associations, owners and developers in a variety of construction and insurance issues. He also is a member of the firm’s Disaster Recovery team and has handled numerous hurricane claims representing condominium associations against their own insurance carriers. He handles claims stemming from hurricane-related wind and water damage, fire, flood, and collapse.

A frequent presenter on insurance matters, Mr. Kurian has given presentations on hurricane preparedness and post-hurricane disaster recovery and spoken on such topics as insurance claims, mold issues, indemnification obligations, liquidated damages, consequential damages, statutory warranties and common law implied warranties.

Contact Marielle, Hugo or Sanjay today for state-wide property insurance claims counsel.