Melbourne, Florida · Serving clients statewide
Orlando & Central Florida
Large insurance companies have teams whose job is to limit what they pay. Mike spent 23 years inside the industry and now represents Orlando-area homeowners and businesses who are not being treated fairly.
Dealing with an insurance company can be difficult, stressful and time consuming without the right help. Insurance is a binding contract: you pay premiums, and the company agrees to pay for covered losses. When a company delays, denies or underpays what the contract promises, you do not have to negotiate alone against its adjusters and defense lawyers.
Mike represents Orlando-area policyholders in disputes involving homeowners, condominium and commercial property claims, hurricane and windstorm damage, bad faith claims practices, and insurance agents who failed to procure the coverage their clients requested.
Florida’s weather means property claims are a fact of life, and after a major storm insurers facing large payouts may delay or deny disbursements, often pointing to fine print in the policy. Policyholders are entitled to a fair, reasonably prompt claims process. If your insurer is delaying or denying payment after a hurricane or other event, an attorney who understands both the policy and the claims process can help you get what you are owed.
Insurers must deal fairly and honestly with their policyholders. Warning signs include denying benefits without a valid reason, unreasonable payment delays, refusing to pay legitimate claims, underpaying, failing to investigate properly, and wrongly canceling a policy. Learn more on the bad faith page.
Florida is a no-fault state for auto injuries, which affects which policy pays first. Coverage disputes after a crash often turn on details gathered at the scene. Once everyone is safe:
Yes. The office is in Melbourne, about an hour from Orlando, and Mike represents policyholders throughout Central Florida, including Orange, Seminole, Osceola and Brevard counties.
Homeowners and condominium claims, hurricane and windstorm damage, commercial property and business income claims, bad faith and unfair claims practices, auto coverage disputes, and claims against insurance agents who failed to get the coverage requested.
Yes. Call (321) 537-3175 or send a short message, and Mike will talk with you about your claim at no charge.
Florida law requires insurance companies to handle claims fairly, honestly and promptly. When an insurer wrongfully denies, delays or underpays a covered claim, Michael Sapourn can review the policy and the claim file and pursue the benefits you are owed.
Learn moreIf your insurance agent failed to get the coverage you asked for, or gave you poor coverage advice after promising to advise you, the agent may be responsible for your uncovered loss. Michael Sapourn ran an insurance agency for 23 years and has testified on the agent standard of care in federal and state courts.
Learn moreWhen a homeowners insurer drags its feet, denies a claim on a technicality or makes a lowball offer, Michael Sapourn helps Florida homeowners find every benefit their policy provides and fight for full payment. He is a former 23-year agency CEO and former Florida Public Adjuster.
Learn moreAfter a hurricane, insurers facing large losses often lowball, delay or deny claims. Michael Sapourn helps Florida homeowners, condominium associations and businesses value their storm damage properly, coordinates with an ethical public adjuster when needed, and pursues full payment when the insurer will not settle fairly.
Learn moreCondo losses usually involve two policies, the association's master policy and the unit owner's HO-6 policy, and insurers can use the overlap to underpay. Michael Sapourn, a former agent and public adjuster, helps condominium associations and unit owners sort out who covers what and recover the full benefits owed.
Learn moreA properly written commercial property policy can be the difference between reopening after a loss and closing for good. Michael Sapourn helps Florida businesses pursue building, business personal property and business income claims, and evaluates whether an agent's advice left the business underinsured.
Learn moreTell Mike what happened with your claim or your agent. The first consultation is free, and you will speak with him directly.