Practice Areas

Florida law requires insurance companies operating within the state to act in good faith when handling policyholder claims. Section 624.155, Florida Statutes defines bad faith, in part, as “failing to settle a claim when under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its policyholder and with due regard for the policyholder’s interests.” Upon a determination of liability to pay an insurance claim; the extent of damages and the filing of a Civil Remedy Notice, a policyholder may file an action for bad faith against an insurance carrier that has failed to comply with its statutory requirements to act in the best interests of its policyholder, subjecting the insurer to contractual, extra-contractual, consequential and punitive damages. The best way to deal with an insurance bad faith claim is to avoid it altogether. The retention of an experienced and competent attorney right after your loss will level the playing field and avoid unfair and unscrupulous insurance company tactics.

When the unthinkable happens and a policyholder’s home or business suffers a loss, including fire, windstorm or water damage, disputes often occur between policyholders and their insurance carrier, to whom they have been paying premiums, in some cases for decades. Mubarak, Sherif, & Oladipo, PLLC is experienced in analyzing and evaluating all types of insurance policies, determining the applicability and availability of coverage and properly litigating property damage insurance disputes on behalf of homeowners and businesses to ensure that policyholders receive the full benefits available under their insurance policy

Since 2004, seven major hurricanes have made landfall in Florida resulting in billions of dollars in damage to properties owned by Florida homeowners and businesses. Florida policyholders obtain insurance and pay higher insurance premiums for protection against precisely these types of catastrophic events. Despite accepting premiums for years without making any payments, insurance companies are reticent to pay claims and sometimes undervalue a policyholder’s damages. In these situations, policyholders are often left with no choice but to seek full compensation through the judicial system to restore their home or business back to its pre-loss condition. Not every insurance claim ends up in litigation, however when litigation is required, Mubarak, Sherif, & Oladipo, PLLC is prepared to skillfully and aggressively represent policyholders to obtain maximum recovery.

Homeowners obtain homeowner’s property insurance policies to protect themselves against various types of potential losses, including but not limited to, hurricanes, tornadoes, rain, wind, fire, lightning, vandalism, burglary and theft. Homeowner’s insurance policies often contain language requiring a policyholder to provide the insurance company with prompt notice of a claim and to protect the property from further damage. Policies also often require that a homeowner present the insurance company with relevant documents requested by the insurance company. A policyholder’s failure to comply with these conditions of the policy may severely negatively impact their ability to recover under the insurance policy. Mubarak, Sherif & Oladipo, PLLC’s experienced attorneys, with more than twenty-five years combined insurance industry experience, have the gravitas to best present your claim to your insurance carrier in order to allow the carrier to make the quickest payment of the full extent of your damages.

Business owners, like homeowners, must protect their business from risks associated with fire, burglary and theft, and weather-related damages. Business owners must also consider protecting their livelihood from the risk of injury to employees and customers. Mubarak, Sherif, & Oladipo, PLLC can assist business owners in navigating the insurance claim process to maximize their recovery under their policy and to make certain that business policyholders are afforded all the protections and benefits included in the policy. From claim presentation to document production, Mubarak Sherif, & Oladipo, PLLC understand how to best position business owners to obtain the coverage provided by their policy. In the unfortunate circumstance that a business owner faces litigation from a third-party, Mubarak, Sherif, & Oladipo, PLLC is experienced in investigating coverage disputes and is prepared to file a declaratory judgment action, if required, to enforce your rights under your insurance contract.

Commercial policyholders often acquire business interruption and extra expense coverage to protect themselves from financial losses resulting from an unexpected event. A business owner’s ability to recover lost revenue under their insurance program due to a qualifying event under the policy may heavily depend on the proper presentation of the claim and damages from the loss. Mubarak, Sherif, & Oladipo, PLLC is prepared to help navigate business owners through the claims process on any claims for business interruption coverage. Our attorneys maintain relationships and have access to the right team of qualified professionals with the required technical, scientific and forensic knowledge to enable business owners to obtain a full recovery for their loss.

There are four basic elements to establishing a cause of action. First, a plaintiff must show that the defendant owed the plaintiff a “duty of care.” The legal term “duty of care” basically means that one party was obligated to act in a certain way toward another. For example, in automobile accident cases, all drivers owe a duty to drive reasonably and safely to other drivers and passengers on the road. Second, a plaintiff must show that the defendant breached the “duty of care.” Third, a plaintiff will have to show that the defendant’s breach of duty of care caused the plaintiff’s injury. Last, the plaintiff needs to show that damage or injury resulting from the breach of duty. If you suffer injuries based on an at-fault party’s negligent behavior, the attorneys at Mubarak, Sherif & Oladipo are prepared to speak with you regarding the likelihood of obtaining compensation for your personal injury claim.

Accidents are unavoidable at times, however, sometimes injuries resulting from accidents are caused by conditions that are known and the accidents could have been prevented. Florida law requires property owners to warn guests of dangerous conditions at their property and to remedy these conditions as quickly as possible. If you have been injured due to the negligence of a property owner, you may be able to receive compensation for damages you suffered. Mubarak, Sherif, & Oladipo, PLLC is prepared to timely investigate your claim, identify witnesses and documents, and litigate your case.

No one is prepared for the wrongful death of a loved one. In addition to the significant emotional trauma from losing a loved one, family members often incur significant financial distress as well. While the family’s priority may not entail taking legal action, it is extremely important the decedent’s family retain a wrongful death attorney as soon as possible to mitigate the substantial financial difficulties associated with losing a loved one. Ultimately, the financial compensation afforded from a wrongful death lawsuit may substantively alleviate the financial burden on the decedent’s family. However, these claims are time-sensitive based on the statute of limitations. The attorneys at Mubarak, Sherif & Oladipo, PLLC are prepared to review your claim at no cost to assist families with informed decisions regarding the likelihood of obtaining financial compensation for the wrongful death of a loved one.

Car accidents constitute the leading cause of personal injury claims in America. Whether you have serious or minor injuries, you may not immediately consider the need to obtain legal representation after involvement in a car accident. However, the attorneys at Mubarak, Sherif & Oladipo, PLLC provide the courteous and professional help and legal counsel needed to assist your recovery from the at-fault party. We will take immediate action to protect your interests in your time of need. Based on the facts of your claim, you may qualify for reimbursement of incurred medical expenses, anticipated future medical expenses, rehabilitation, lost wages, pain and suffering and other non-economic damages.