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Experience and Excellence

Andres J. Correa, one of our esteemed founding partners, brings a wealth of experience to your representation and a commitment to tackling complex legal challenges. Octavio Martinez, another founding partner, offers a unique perspective with over two decades of dedicated practice. His commitment to excellence is evident, earning him the Corpus Juris Secundum Award in Civil Procedure.

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Our focus is on you and your rights.

As a boutique law firm, we prioritize open communication with our clients, ensuring you are always informed about your case. We are committed to aggressive representation, willing to take your case to trial when necessary, and achieving favorable verdicts is our forte. Both founding partners are fluent in Spanish, ensuring that language is never a barrier to effective communication. Contact us to schedule a complimentary consultation and experience legal representation that combines experience, communication, and a commitment to your best interests.

What Is first-party property coverage?

First-party property coverage is a vital component of insurance policies designed to protect individuals and businesses from financial losses related to damage or loss of their property. This type of coverage is characterized by the insured party (the policyholder) seeking compensation directly from their own insurance provider in the event of property damage or loss. The primary purpose of first-party property coverage is to provide policyholders with financial support to repair or replace their damaged or lost property. First-party property coverage can be found in various types of insurance policies, including:

  • Homeowners Insurance: Protects homeowners from property-related losses, such as damage to their homes or personal belongings due to covered events like fires, theft, or vandalism.
  • Commercial Property Insurance: Provides coverage to businesses for damage or loss of their physical assets, including buildings, equipment, and inventory.
  • Auto Insurance: Offers coverage for the repair or replacement of a policyholder's vehicle in the event of an accident, theft, or damage.
  • Boat or Watercraft Insurance: Protects boat owners from damage or loss to their vessels, equipment, and personal property while on the water.
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What types of damage are covered?

First-party property coverage typically covers a wide range of damage or losses that may occur. These include:

  • Natural Disasters: Coverage for damage caused by natural disasters such as hurricanes, tornadoes, earthquakes, and floods.
  • Fire and Smoke Damage: Protection against damage caused by fires, smoke, and related perils.
  • Theft and Vandalism: Compensation for property losses resulting from theft, burglary, or vandalism.
  • Water Damage: Coverage for damage caused by water-related incidents, including burst pipes, leaks, and plumbing issues.
  • Wind and Hail Damage: Protection against damage caused by strong winds, hailstorms, and other weather-related events.

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What can lead to first-party coverage disputes?

While first-party property coverage is designed to provide financial support in times of need, disputes can arise when insurance companies deny or delay claims. Some common exclusions or disputes in first-party property coverage may include:

  • Policy Exclusions: Certain types of damage or losses may be excluded from coverage, such as damage resulting from wear and tear, intentional acts, or specific policy endorsements.
  • Claim Denials: Insurance companies may deny claims if they believe the policyholder did not follow the proper claims process, provided inaccurate information, or if the cause of damage falls under policy exclusions.
  • Underpayment: Insurance companies may offer settlements that are insufficient to cover the full extent of the damage or loss, leading to disputes over fair compensation.
  • Delays in Claims Processing: Lengthy delays in processing claims can be frustrating for policyholders who need timely assistance to repair or replace their property.

How can a first-party property lawyer help?

A first-party property lawyer plays a critical role in ensuring that policyholders receive fair and timely compensation for their property damage or loss. Here's how an attorney can help:

Review Policy

Attorneys can review your insurance policy to determine the extent of your coverage and identify potential areas of dispute.

File Claims

Lawyers assist in filing claims accurately and promptly to avoid unnecessary delays or denials.


If your insurer offers an inadequate settlement, attorneys can negotiate on your behalf to secure a more favorable outcome.


In cases where disputes cannot be resolved through negotiation, attorneys can initiate legal action and represent you in court.

At Correa & Martinez Trial Lawyers, we understand the frustration and stress that can come with first-party property coverage disputes. We are dedicated to helping policyholders receive the compensation they deserve and ensuring their rights are upheld. Our attorneys are experienced in handling insurance claims and disputes, and we are committed to advocating for your best interests. Let us help you navigate the complexities of insurance disputes and secure the compensation you need to restore or replace your property. If you're facing difficulties with your first-party property coverage claim, don't hesitate to contact us.

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