Every case on this page represents a real client and a real result. When insurance carriers underpay or deny valid property damage claims — after hurricanes, tornadoes, and other property damage events — Larry Moskowitz, PA fights to recover what our clients are actually owed through negotiation, appraisal, or litigation when necessary. These are the outcomes we’ve secured for clients across the country.
Recovery Amount
Recovered after a full claim denial
Our client, a condominium association for a boat storage facility, sustained extensive structural damage during Hurricane Ian. The carrier denied the claim in full, taking the position that all of the damage was caused by flood — a peril excluded under the client’s windstorm-only policy.
Our attorneys retained forensic meteorologists and structural engineers, whose analysis showed that peak winds exceeded 130 mph at times when storm tide levels remained below 1.5 feet — establishing that the damage was wind-driven, not flood-driven. After a hard-fought, multi-year battle, the carrier agreed to resolve the claim for $2,888,742 in a confidential settlement.
Condo association · Boat storage facility
Total denial
Flood exclusion
Multi-year
Recovery Amount
Recovered for the client after a full denial on late-notice grounds
The client, a homeowners association representing a multi-building townhouse community, submitted a claim for property damage caused by Hurricane Irma. The carrier denied the claim in full, taking the position that notice of the loss was not provided until 1,094 days — nearly three years — after the storm, and before Larry Moskowitz, PA’s involvement in the matter.
The carrier alleged it had been prejudiced by the delay and presented a strong defense on that basis. After several years of hard-fought litigation, the parties reached a confidential settlement of $1,750,000.
HOA · Multi-unit townhouse community
Total denial · Late notice
Late notice · Prejudice
Multi-year
Recovery Amount
Recovered for the client at mediation after a full denial
The client, a religious institution, had installed a new roof just months before Hurricane Irma, a project the carrier had reviewed and approved as part of underwriting the policy. After the storm, the carrier denied the claim in full, relying on an engineer’s opinion that the roof had been improperly installed — a conclusion the client initially accepted, believing its roofing contractor was to blame.
Larry Moskowitz, PA retained its own engineers, roofers, and forensic meteorologists, whose analysis showed that the extensive roof and interior damage was caused by wind, not faulty workmanship. With the carrier invoking the policy’s arbitration clause and threatening to proceed in New York, the case ultimately resolved for $1,100,000 at mediation.
Religious institution
Total denial · Alleged improper installation
Engineering & meteorological analysis
Settled at mediation
Recovery Amount
In new money secured for the client above the carrier’s initial payment
The client, a homeowners association, submitted a Hurricane Irma property insurance claim. Prior to Larry Moskowitz, PA’s involvement, the carrier had paid only an undisputed amount of $231,241.50, leaving the balance of the claim disputed.
Larry Moskowitz, PA immediately filed suit on the client’s behalf. The carrier responded by invoking the policy’s appraisal provision. Through the appraisal process, the firm secured an additional $470,438.75 in new money for the client.
Homeowners association
$231,241.50 · Undisputed
Suit filed · Appraisal invoked
$470,438.75 · New money
