Melbourne, Florida · Serving clients statewide
Practice areas
Michael Sapourn represents homeowners, condominium owners and businesses when an insurance company or an insurance agent does not deliver what was promised.
Homes, condos, businesses and boats
When 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 moreSinkhole damage can be catastrophic, and insurers frequently dispute whether sinkhole activity caused it. Michael Sapourn helps Florida homeowners, condominium associations and commercial owners challenge sinkhole denials and has testified that unnecessary delays on a sinkhole claim were a bad faith claims practice.
Learn moreFlood damage is excluded from standard homeowners and commercial property policies and is covered only by separate flood insurance. Michael Sapourn helps property owners with flood claim disputes and with losses caused when an agent or surveyor got the flood zone wrong or failed to recommend flood coverage.
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 moreHull insurers often deny claims by arguing the vessel was unseaworthy, a policy condition was broken or a navigation limit was exceeded. Michael Sapourn combines insurance policy expertise with legal research on maritime coverage to challenge boat and yacht claim denials.
Learn moreBad faith, coverage and agent errors
A coverage dispute starts when you and your insurance company disagree about whether a loss is covered or how much it is worth. Michael Sapourn, a former Florida Public Adjuster and 23-year agency principal, helps policyholders present claims properly and pushes back when the insurer will not make a good faith offer.
Learn moreFlorida 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 moreInsurance policies are dense contracts, and whether you are covered often turns on a few words in an endorsement or exclusion. Michael Sapourn has spent more than 30 years reading, negotiating and placing standard and manuscript policies, and uses a structured review to answer the question "Am I covered?"
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 moreIf you were hurt because a property owner failed to fix or warn about a dangerous condition, the owner's liability insurance may cover your injuries. Michael Sapourn spent 23 years advising businesses and contractors on liability exposures and knows the standard of care owners are expected to meet.
Learn moreUnsuitable sales and senior protections
Agents and brokers must have reasonable grounds to believe a life insurance policy, annuity or investment is suitable for you before recommending it. If you were sold a product you did not understand or that did not fit your needs, the seller may be liable for your losses. Michael Sapourn is a licensed life agent and former investment adviser compliance officer.
Learn moreFlorida law requires agents and insurers to have reasonable grounds to believe an annuity recommendation is suitable, to document it, and to deliver required disclosures. These protections began with seniors in 2008 and were expanded to purchasers of all ages in 2013. Michael Sapourn helps people who were sold unsuitable annuities.
Learn moreTell Mike what happened with your claim or your agent. The first consultation is free, and you will speak with him directly.