The Builders Risk Claims Process: Documentation, Settlement, and Recovery for South Florida Luxury Development

It is 3:47 a.m. on a Thursday in August. A tropical storm has suddenly intensified into a Category 2 hurricane. Your luxury high-rise in Miami Beach is 18 months into a 24-month construction schedule. The wind has breached the building envelope on the east facade. Water is pouring into the building, destroying installed finishes and soaking structural components.

Your construction manager is calling. Your lender is calling. Your insurance broker is calling.

What happens next will define whether your project recovers in six months or becomes a two-year nightmare of claim disputes, coverage battles, and contractor finger-pointing.