Case Studies

aeiral image hurricane on coast of Florida

// Case Studies

Our Case Studies and the Results

Hurricane Sally – Escambia County, FL
Reason for retaining KIL: Underpayment

A waterfront condominium association suffered severe damage from Hurricane Sally in September of 2020. After its investigation, a payment was made by the insurance company to the condominium association of an amount under $1,000,000.00. After reviewing the damage, the condominium association retained my office to recover full indemnity for its extensive loss. After my engagement and argument presented, an additional undisputed payment of an amount under $250,000.00. The insurance company maintained the position, even after this additional payment, that the damage to the windows and sliding glass doors of the waterfront buildings were denied, even though the condominiums were hit full force with sustained winds over 110 mph and rainfall of approximately 30 inches. Pre-suit Mediation was requested and shortly after the mediation, the case was settled for an additional payment of over seven-figures. The exact amounts of the payments and settlement is withheld due to a confidentiality provision in the settlement agreement.
Under $1,000,000.00 payment prior to retaining KIL.
Result – Nearly $3,000,000.00 in payments after retaining KIL.

Hurricane Irma – Collier County, FL
Reason for retaining KIL: No Payment

Four neighboring condominium associations each retained KIL after receiving no payment from the initial investigation of the insurance company following Hurricane Irma. Upon notice of my representation, the insurance company continued to attempt to delay the re-investigation of the claims. My office filed a Civil Remedy Notice of Insurer Violations (“CRN”) for each association alleging bad faith claims handling, unreasonable delay, and underpayment of the claims. After less than six months, KIL recovered the costs of full roof replacements for each association. The exact amounts of each settlement are withheld due to a confidentiality provision in the settlement agreement.

$0.00 payment prior to retaining KIL.
Result – Mid-Six Figure Settlement within six months following KIL retention.

Hurricane Irma – Lee County, FL
Reason for retaining KIL: Denial of Claim

A condominium association suffered roof damage due to Hurricane Irma. The insurance company refused to pay, refused to participate in appraisal, denied the claim in its entirety, and otherwise unreasonably delayed the claim, forcing the association to retain counsel. My office was retained in late 2020. We represented the association with the Examination Under Oath as well as the filing of Civil Remedy Notice of Insurer Violations (“CRN”). A lawsuit was filed against the insurance company in early 2021. After some difficult litigation, KIL was able to secure a settlement with the insurance company, which covered the full amount of the association’s roof replacement. The exact amount of the settlement is withheld due to a confidentiality provision in the settlement agreement.

$0.00 payment prior to retaining KIL.
Result – High Six-Figure Settlement Covering Roof Replacements.

Hurricane Irma – Lee County, FL
Reason for retaining KIL: No Payment

A condominium association suffered roof damage due to Hurricane Irma. After its initial investigation, the insurance company stated that the damages were below deductible. The condominium association retained KIL shortly thereafter to advance its claim. The insurance company retained an engineer who stated that the roofs did not need to be replaced. Our office rebutted this report with various factual findings of our own. After negotiations with counsel, our office settled the case for nearly $500,000.00. The exact amount of the settlement is withheld due to a confidentiality provision in the settlement agreement.

$0.00 payment prior to retaining KIL.
Result – Mid-Six Figure Settlement Covering Roof Replacements.

Hurricane Irma – Lee County, FL
Reason for retaining KIL: No Payment

A condominium association suffered roof damage due to Hurricane Irma. After its initial investigation, the insurance company stated that the damages were below deductible. After a re-inspection with the insurance company’s engineer, the insurance company informed the condominium association that no additional payments would be made. The condominium association retained KIL shortly thereafter to advance its claim. The case was arbitrated and litigated. After prolonged litigation, the case was settled for the full amount of the roof replacement contract.

$0.00 payment prior to retaining KIL.
Result – Mid Six-Figure Settlement Covering Roof Replacements.