skip to main content
× Close

Representative First-Party Insurance Matters:

  • Obtained jury verdict for a homeowner for 100% of the damages sought, successfully defended the verdict on appeal, obtained a significant award of over one million dollars in fees and costs including a 1.5 multiplier, and then obtained a significant bad faith settlement.
  • Obtained a substantial settlement for the owner of a jai-alai/casino facility after filing suit where insurance company failed to acknowledge coverage for the significant losses insured incurred as a result of employee embezzlement.  And through a pre-mediation, obtained a substantial settlement for this same facility in an unrelated roof collapse claim overcoming an unfavorable burden of proof with respect to the coverage provision in the policy and exclusions concerning a collapse.
  • Obtained full policy limits for a company following a multimillion-dollar embezzlement scheme instituted by one of its employees following substantial requests for post loss compliance and document production.
  • Representing the owner of large hotel/residential property in Miami Beach with respect to various damages resulting from construction defects at the property which exceed $10 million.   
  • As a result of a class action, our Insurance Practice Group filed on behalf of similarly situated policyholders challenging the impartiality language in the appraisal provisions in insurance policies in which an insurance company was objecting to insureds’ chosen appraiser, the insurance company abandoned its objections, agreed prospectively not to enforce the applicable provision, paid the named insured the full amount of damages incurred, and paid 100% of the legal fees incurred.
  • Through negotiation and without the necessity of litigation obtained $28 million in insurance proceeds for the owner of two neighboring, 19-story, residential apartment projects that were under construction at the time of Hurricane Irma.  The hurricane caused well over $50 million dollars in building and other damages.  Our Insurance Practice Group has assisted and continues to assist the property owner throughout the claim process in counseling it as to submittal of multiple proofs of loss to multiple layers of insurance companies, complying with post-loss requests, assessing and documenting the damages, assembling a group of experts to analyze and assess the damages, and analyzing and evaluating claims by and against third parties. 
  • Representing the owner of four commercial properties in South Florida – all of which suffered damages in excess of $65 million and representing this owner as to a fifth loss as to one of these properties which subsequently suffered a fire loss.  Our Insurance Practice Group obtained a multimillion-dollar settlement just as to the fire loss.   As to the Irma claims, our Insurance Group continues to assist the owner throughout the claim process in counseling it as to the submittal of multiple proofs of loss to multiple layers of insurance companies, complying with post-loss requests, assessing and documenting the damages, assembling a group of experts to analyze and assess the damages, and analyzing and evaluating claims by and against third parties. 
  • Using a pre-lawsuit mediation, obtained a substantial recovery for a pharmacy which sustained damage to its property and equipment resulting from a break-in at its pharmacy. During the break-in, the perpetrators not only caused direct physical damage but also broke a pipe within the interior causing water damage throughout the pharmacy and a loss of a significant portion of its inventory.  Our Insurance Practice Group ultimately prevailed despite the insurance company’s denial of the claim prior to our involvement.
  • Successfully represented numerous condominium associations in obtaining nearly 100% of the amount demanded without the necessity of the filing of a lawsuit which resulted in a multimillion-dollar recovery for the association and prompt recovery of funds.
  • In the face of a summary judgment motion based on a presumptively late notice to the insurance company of the insured’s claim, through mediation, our Insurance Practice Group, obtained a substantial six figure recovery for a property developer and preserved the balance of the construction defects claim for the developer to pursue against the contractor and related parties.   This claim arose out of ensuing water damages from faulty construction.  Despite the insurance company’s contention that the reporting of the claim was presumptively late, we were able to overcome this prejudice assertion by showing the insurance company’s investigation was insufficient and by showing there was ample evidence from which the insurance company could evaluate the claim.
  • Recognizing that the federal forum was not advantageous for the insured, our Insurance Practice Group successfully argued that the federal court should remand the coverage dispute to the state court with respect to a commercial property loss which resulted in substantial damage from a plumbing leak.  Thereafter, the state court granted the insured’s motion to compel appraisal and forced the insurance company to appraise the loss.  During the course of the appraisal, it was discovered that insured had sustained damage from a plumbing leak originating from another location.  We reported this water event and asserted that it should also be appraised.  The insurance company fought the inclusion of the additional claim in the appraisal and filed an action to determine coverage for the additional loss.  Ultimately, the insurance company agreed to appraise the amount of the additional loss but maintained its conditions to coverage.  We successfully obtained 100% recoveries for the insured as to both claims together with interest and fees.
  • After years of extensive litigation, a state court approved a class action settlement in favor of a class of homeowner policyholders which alleged that the insurance company engaged in a general business practice referred to as “post-claims underwriting.”  The Class alleged that once an insured made a claim to the insurance company it would conduct a very simple underwriting analysis it did not do in the first place and would void the policy “ab initio” so that it could effectively deny coverage based on purported, “incorrect statements” in the applications. Although the practice is not per se illegal and Chapter 627.409, Florida Statutes, allows for this practice, the Florida Office of Insurance Services, the Florida Office of the Insurance Consumer Advocate, and the Florida Legislature have all described this practice as against the public policy of Florida.  After extensive discovery and litigation, the parties reached a settlement in which the insurance company created a substantial reserve to compensate the victims of its improper practice.
  • Our Insurance Practice Group successfully compelled appraisal of a restaurant’s business income loss resulting from a fire damage which destroyed the restaurant and successfully obtained a substantial six figure recovery for the owner.
  • Chambers & Partners USA, America's Leading Business Lawyers, Insurance, Recognized Practitioner (Florida), 2018-2019
  • Florida Super Lawyers, Rising Star, 2013 – 2017
  • Certified Educator by the Department of Financial Services
  • Board of Directors, Windstorm Insurance Network (WIND)
  • Member, Palm Beach South County Bar Association
  • Member, S. Barnard American Inn of Court – Palm Beach County
  • Associate Member, Florida Association of Public Insurance Adjusters
  • Member, National Association of Public Insurance Adjusters
  • Member, Property Insurance Fraud Task Force
  • Windstorm Insurance Network, Conference Chair 2019
  • Member, Windstorm Insurance Network Bylaw Committee, 2016
  • Windstorm Insurance Network Fellow
  • Windstorm Conference Education Committee, 2012
  • Former President of the Florida Chapter of the National Society of Professional Insurance Investigators
  • South Florida Claims Association
  • Defense Research Institute (DRI)
  • Higer Lichter & Givner
  • Groelle & Salmon, PA

The Insurance Innovators interviews Gina Clausen Lozier in, "Innovating Insurance Coverage"

August 8, 2019

Gina Clausen Lozier and Chris Choquette, Speakers, "Regulatory Awareness and Ethical Duties of a Public Adjuster," FAPIA 2018 Fall Conference

October 29, 2018

Gina Clausen Lozier and Chris Choquette, Speakers, "Policy Pitfalls," Public Adjuster CE Course hosted by Berger Singerman

June 19, 2018

Gina Clausen Lozier and Chris Choquette, Speakers, "Regulatory Awareness and Ethical Duties of a Public Adjuster," FAPIA 2018 Spring Conference

June 6, 2018

Gina Clausen Lozier, Speaker, "Florida Case Law Update on Appraisal," IAUA Meeting

March 8, 2018

Gina Clausen Lozier, Speaker, "Insurance Industry Depositions," Windstorm Insurance Conference

January 15, 2018

Gina Clausen Lozier, Speaker, "Insurance Industry Depositions," Windstorm Insurance Conference

January 15, 2018

Gina Clausen Lozier, Speaker, IAUA Meeting for the Insurance Appraisal and Umpire Association

September 14, 2017

Michael Higer, Speaker, "Insurance Advocacy 25 Years After Andrew," History Miami Museum

August 16, 2017

Gina Clausen Lozier and Gavin Gaukroger, Speakers, "Best Practices for Handling an Insurance Claim"

August 10, 2017

Michael Higer and Gina Clausen Lozier, Presenters, "The Peril of the Wind Created Opening," CLE

June 8, 2017

Michael Higer and Gina Clausen Lozier, Speakers, "2017 Silver Anniversary Conference" Florida Association of Public Insurance Adjusters (FAPIA)

May 22, 2017

Michael Higer and Gina Clausen Lozier, Speakers, "Burdens of Proof," FAPIA 2017 Spring Conference

May 22, 2017

Michael Higer, Gina Clausen Lozier and Gavin Gaukroger, Presenters, "Cyber Theft and Security Breaches Insurance Seminar"

April 20, 2017

Gina Clausen Lozier and Michael Higer, Presenters, "Bad Faith Conduct" Public Adjuster CE Course

December 15, 2016

Michael Higer and Gina Clauden Lozier, Presenters, "Law and Ethics for Public Adjusters," FAPIA 2016 Year End Conference

November 6, 2016

Gavin Gaukroger and Gina Clausen Lozier, Presenters, "Avoiding Riptides: Resident Safety and Risk Management," FL ALFA's 4th Annual Conference and Exhibit Show

August 23, 2016

Gina Clausen Lozier and Gavin Gaukroger, Presenters, "HIPAA Compliance: What Rehabilitation Facilities Need to Know"

June 22, 2016

Michael Higer and Gina Clausen Lozier, Hosts, "The Burdens of Proof for Public Adjusters," Hurricane Preparedness Week

June 9, 2016

Michael Higer, Gina Clausen Lozier and Marc Shuster, Hosts, "Preparing Your Business for Loss," Hurricane Preparedness Week Series

June 7, 2016

Gina Clausen Lozier, Michael Higer and Jeffrey Wertman, Presenters, "Best Practices in Handling Insurance Claims," Hurricane Preparedness Week

June 6, 2016

Michael Higer and Gina Clausen Lozier, Speakers, "The Future of Plumbing Losses," Florida Association of Public Insurance Adjusters Spring Conference

May 2, 2016

Gina Clausen Lozier, Speaker, "Appraising Water Losses, Addressing Matching AOBs, and Continuous Flooring," Insurance Appraisal and Umpire Association Educational Conference

April 14, 2016

Gina Clausen Lozier, Presenter, "Fire CE Course"

March 18, 2016

Michael Higer and Gina Clausen Lozier, Presenters, "Plumbing Losses: Past, Present & Future," Insurance Seminar

February 11, 2016

Gina Clausen Lozier and Michael Higer, Speakers, "17th Annual WIND Conference," Windstorm Insurance Network

February 1, 2016

'Florida Insurance Hurricane Preparation Survey' featured on multiple media outlets

June 11, 2019

Berger Singerman Hosts Fourth Annual Hurricane Preparedness Week Series to Ready Florida Businesses for Storm Season

May 31, 2019

Berger Singerman Recognized by Chambers USA for Sixteenth Consecutive Year

April 25, 2019

Law360 quotes Gina Clausen Lozier in, "Fla. High Court Bolsters Policyholders In Bad Faith Case"

September 24, 2018

Berger Singerman Hosts Third Annual Hurricane Preparedness Week Series to Ready Florida Businesses for Storm Season

May 30, 2018

Berger Singerman Recognized by Chambers USA for 15th Consecutive Year

May 3, 2018

Berger Singerman Elevates Gina Clausen Lozier, Mitchell W. Goldberg and Iryna Ivashchuk to Partner

January 2, 2018

Sun Sentinel quotes Gina Clausen Lozier in, "Check fine print: Business interruption insurance harder to claim than many think"

September 29, 2017

GlobeSt interviews Michael Higer and Gina Clausen Lozier in, "After Irma, When Will Insurers Pay Your Claims?"

September 27, 2017

WPBF News Channel 25 interviews Gina Clausen Lozier on, "Irma's Aftermath: Hurricane Insurance"

September 15, 2017

Thirty-Two Berger Singerman Attorneys Recognized in the 2017 Super Lawyers Florida Edition

June 9, 2017

Berger Singerman Receives High Marks by Chambers USA for Fourteenth Consecutive Year

May 30, 2017

Berger Singerman Hosts Second Annual Hurricane Preparedness Week Series to Ready Florida Businesses for Storm Season

May 17, 2017

Newspaper Media Group quotes Gina Clausen Lozier in, "Avoid getting soaked – check insurance policy"

February 17, 2017

Gina Clausen Lozier Has Been Appointed to the Windstorm Insurance Network (WIND) Board of Directors

December 1, 2016

Law360 quotes Gina Clausen Lozier on "Fla. Policyholders Gain Slight Edge In Property Damage Cases"

December 1, 2016

Law360 quotes Gina Clausen Lozier on "Matthew's Battering Of Fla. Won't Capsize Insurers"

October 7, 2016

Insurance.com quotes Gina Clausen Lozier, "What to do if your homeowners insurance is cancelled"

September 20, 2016

Daily Business Review quotes Michael Higer and Gina Clausen Lozier on "Hurricane Lawyers and CPAs: Be Ready for the Storm"

June 30, 2016

Thirty-Six Berger Singerman Attorneys Recognized in the 2016 Super Lawyers Florida Edition

June 14, 2016

Berger Singerman Hosts Hurricane Preparedness Week Series to Ready Florida Businesses for Storm Season

May 12, 2016

Berger Singerman Receives Successful Jury Verdict in Complex Insurance Case

March 11, 2016

Local 10 News quotes Gina Clausen Lozier on "Citizens policyholders ask for help deciphering 'take-out' letters"

January 25, 2016

VLOG - How is a hurricane's path predicted?

October 8, 2018

VLOG - The Peak of Hurricane Season: Why Now?

September 7, 2018

What if Your Insurance Company Goes Under?

August 9, 2018

Policy Changes Upon Renewal

August 7, 2018

Hurricane Preparedness Should Include a Plan to Protect Critical Data from a Security Breach

June 22, 2018

Environmental Insurance Coverage: Now you have it – now you don’t

June 15, 2018

Environmental Insurance Coverage: Now you have it – now you don’t

June 15, 2018

After Hurricane Irma: Weathering Your Insurance Claim

September 13, 2017

Vlog: Winds of Change: Updates to the NHC Warning System

June 12, 2017

Post Loss Compliance: The Duty to Give Prompt Notice

June 6, 2017

Vlog: The Tides have Changed: New Storm Surge Predictions from the NHC

June 5, 2017

Held hostage by ransomware? There is insurance for that.

May 17, 2017

A Victory for Florida Policyholders: The Florida Supreme Court Upholds the Concurrent Cause Doctrine

December 1, 2016

Don't Let Your Guard Down: The Aftermath of Hurricane Matthew

October 11, 2016

Wind v. Wave: Making the Critical Distinction of Damage Caused by Storm Winds and Storm Surge

September 9, 2016

Get Ahead of the Storm: Issues for Lease Considerations

June 10, 2016

Cybersecurity: Before and After the Storm

June 9, 2016

Are You Caught in the Storm? What Bankruptcy Practitioners Need to Know about Hurricane Claims

June 8, 2016

Governments Are Not Immune to Hurricanes

June 7, 2016

Don't Be a Scapegoat: What an Insurance Agent Should Know When Preparing Clients for Hurricane Season

June 6, 2016

What You Need To Know About Your Insurance Policy

May 12, 2016

Valentine's Day Aftermath?

February 16, 2016

Don't be Afraid of Your Shadow

February 16, 2016