Gina Clausen Lozier

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          <h1>Gina Clausen Lozier</h1>

    <div class="bio_position">Partner</div>
  
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                      561-893-8711
          
          
                      <br />gclausen@bergersingerman.com
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                    222 Lakeview Avenue<br />
        
                    Suite 800<br />
        
                    West Palm Beach,
        
                    FL
        
                    33401
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    	    <p style="text-align: justify;">Gina Clausen Lozier is a member of the firm&#39;s Dispute Resolution Team and focuses her practice on first and third-party claims and coverage analysis. Gina is one of only three lawyers in Florida recognized in the prestigious legal publication Chambers for her work on policyholders&#39; behalf. One of the other recognized lawyers is her partner, Michael Higer.<br />
<br />
Prior to joining Berger Singerman, she was a Partner with a statewide insurance defense firm. She was responsible for overseeing the investigation and litigation of disputed claims and represented numerous Florida and out-of-state carriers. Ms. Clausen Lozier defended hundreds of windstorm claims following the 2004 &ndash; 2005 Hurricane Season and has been an active committee member and presenter for the Windstorm Insurance Network. She was also significantly involved in the investigation of fraudulent insurance claims from examination under oath through litigation. She was a regular presenter at the Florida Insurance Fraud Education Committee Conference and the Florida Arson Committee and Prevention Conference, where she educated attendees on issues related to the investigation of fraudulent claims, including fire losses.&nbsp;</p>

<p style="text-align: justify;">As the former President of the Florida Chapter of the National Society of Professional Insurance Investigators (NSPII), she coordinated industry professionals&#39; meetings to provide educational training on insurance fraud issues with a specific focus on the sinkhole, windstorm, and fire losses. She has also been a panel member at NSPII&#39;s National Conference. Ms. Clausen Lozier worked closely with the Department of Financial Services Division of Insurance Fraud, Special Investigators, Cause And Origin Experts, and State Fire Marshalls while investigating suspicious insurance claims and arson losses. She continues her involvement in the fight against insurance fraud as a Florida Insurance Fraud Task Force member. She is also an active member of the Florida Association of Public Insurance Adjusters and the National Association of Public Adjusters.</p>

<p style="text-align: justify;">The Department approves her of Insurance as an instructor for continuing education courses for independent and public adjusters. Ms. Clausen Lozier regularly provides educational training on relevant insurance issues facing Florida&#39;s Community Association Managers. She has authored and presented at numerous insurance claims industry conferences, and independent professional organizations on insurance coverage issues claim investigations, ethics, fraud investigation, incendiary fire claims, and case law analysis to forums within the insurance industry and other public arenas. Ms. Clausen Lozier continues to be involved in every aspect of the insurance industry and uses her experiences to assist her clients in coverage disputes.</p>

      
        <div class="subhead">Education</div>
    <p class="pdf_practices">
    
          
		                                    

          
          
                                            
          
                        J.D., University of Toledo, College of Law
          
          
       
                    <br />
          
		                                    

                                  
          
                                            
          
                        B.A. in Psychology/Sociology, Bowling Green State University
          
          
       	</p>
    
      <div class="subhead">Bar Admissions</div>
    <p class="pdf_practices">
                                    Florida
                                                            <br />
                    U.S. Court of Appeals, Eleventh Circuit
                                                            <br />
                    U.S. District Court, Middle District of Florida
                                                            <br />
                    U.S. District Court, Southern District of Florida
                                                            <br />
                    U.S. District Court, Northern District of Florida
                                   </p>
    
            <div class="subhead">Practice Teams</div>
       <p class="pdf_practices">
                                                   Dispute Resolution
                                       </p>
      
            <div class="subhead">Practice Areas</div>
       <p class="pdf_practices">
                           
        	

            
                        Insurance
            
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                                                              <div class="subhead">Representative Matters</div>
              <p><strong>Representative First-Party Insurance Matters:</strong></p>

<ul>
	<li>Obtained jury verdict for a homeowner for 100% of the damages sought, successfully defended the verdict on appeal, obtained a significant award of over one million dollars in fees and costs including a 1.5 multiplier, and then obtained a significant bad faith settlement.</li>
	<li>Obtained a substantial settlement for the owner of a jai-alai/casino facility after filing suit where insurance company failed to acknowledge coverage for the significant losses insured incurred as a result of employee embezzlement.&nbsp; And through a pre-mediation, obtained a substantial settlement for this same facility in an unrelated roof collapse claim overcoming an unfavorable burden of proof with respect to the coverage provision in the policy and exclusions concerning a collapse.</li>
	<li>Obtained full policy limits for a company following a multimillion-dollar embezzlement scheme instituted by one of its employees following substantial requests for post loss compliance and document production.</li>
	<li>Representing the owner of large hotel/residential property in Miami Beach with respect to various damages resulting from construction defects at the property which exceed $10 million.&nbsp;&nbsp;&nbsp;</li>
	<li>As a result of a class action, our Insurance Practice Group filed on behalf of similarly situated policyholders challenging the impartiality language in the appraisal provisions in insurance policies in which an insurance company was objecting to insureds&rsquo; chosen appraiser, the insurance company abandoned its objections, agreed prospectively not to enforce the applicable provision, paid the named insured the full amount of damages incurred, and paid 100% of the legal fees incurred.</li>
	<li>Through negotiation and without the necessity of litigation obtained $28 million in insurance proceeds for the owner of two neighboring, 19-story, residential apartment projects that were under construction at the time of Hurricane Irma.&nbsp; The hurricane caused well over $50 million dollars in building and other damages.&nbsp; Our Insurance Practice Group has assisted and continues to assist the property owner throughout the claim process in counseling it as to submittal of multiple proofs of loss to multiple layers of insurance companies, complying with post-loss requests, assessing and documenting the damages, assembling a group of experts to analyze and assess the damages, and analyzing and evaluating claims by and against third parties.&nbsp;</li>
	<li>Representing the owner of four commercial properties in South Florida &ndash; all of which suffered damages in excess of $65 million and representing this owner as to a fifth loss as to one of these properties which subsequently suffered a fire loss.&nbsp; Our Insurance Practice Group obtained a multimillion-dollar settlement just as to the fire loss. &nbsp;&nbsp;As to the Irma claims, our Insurance Group continues to assist the owner throughout the claim process in counseling it as to the submittal of multiple proofs of loss to multiple layers of insurance companies, complying with post-loss requests, assessing and documenting the damages, assembling a group of experts to analyze and assess the damages, and analyzing and evaluating claims by and against third parties.&nbsp;</li>
	<li>Using a pre-lawsuit mediation, obtained a substantial recovery for a pharmacy which sustained damage to its property and equipment resulting from a break-in at its pharmacy. During the break-in, the perpetrators not only caused direct physical damage but also broke a pipe within the interior causing water damage throughout the pharmacy and a loss of a significant portion of its inventory.&nbsp; Our Insurance Practice Group ultimately prevailed despite the insurance company&rsquo;s denial of the claim prior to our involvement.</li>
	<li>Successfully represented numerous condominium associations in obtaining nearly 100% of the amount demanded without the necessity of the filing of a lawsuit which resulted in a multimillion-dollar recovery for the association and prompt recovery of funds.</li>
	<li>In the face of a summary judgment motion based on a presumptively late notice to the insurance company of the insured&rsquo;s claim, through mediation, our Insurance Practice Group, obtained a substantial six figure recovery for a property developer and preserved the balance of the construction defects claim for the developer to pursue against the contractor and related parties.&nbsp;&nbsp; This claim arose out of ensuing water damages from faulty construction.&nbsp; Despite the insurance company&rsquo;s contention that the reporting of the claim was presumptively late, we were able to overcome this prejudice assertion by showing the insurance company&rsquo;s investigation was insufficient and by showing there was ample evidence from which the insurance company could evaluate the claim.</li>
	<li>Recognizing that the federal forum was not advantageous for the insured, our Insurance Practice Group successfully argued that the federal court should remand the coverage dispute to the state court with respect to a commercial property loss which resulted in substantial damage from a plumbing leak.&nbsp; Thereafter, the state court granted the insured&rsquo;s motion to compel appraisal and forced the insurance company to appraise the loss.&nbsp; During the course of the appraisal, it was discovered that insured had sustained damage from a plumbing leak originating from another location.&nbsp; We reported this water event and asserted that it should also be appraised.&nbsp; The insurance company fought the inclusion of the additional claim in the appraisal and filed an action to determine coverage for the additional loss.&nbsp; Ultimately, the insurance company agreed to appraise the amount of the additional loss but maintained its conditions to coverage.&nbsp; We successfully obtained 100% recoveries for the insured as to both claims together with interest and fees.</li>
	<li>After years of extensive litigation, a state court approved a class action settlement in favor of a class of homeowner policyholders which alleged that the insurance company engaged in a general business practice referred to as &ldquo;post-claims underwriting.&rdquo;&nbsp; The Class alleged that once an insured made a claim to the insurance company it would conduct a very simple underwriting analysis it did not do in the first place and would void the policy &ldquo;ab initio&rdquo; so that it could effectively deny coverage based on purported, &ldquo;incorrect statements&rdquo; in the applications. Although the practice is not per se illegal and Chapter 627.409, Florida Statutes, allows&nbsp;for this practice, the Florida Office of Insurance Services, the Florida Office of the Insurance Consumer Advocate, and the Florida Legislature have all described this practice as against the public policy of Florida.&nbsp; After extensive discovery and litigation, the parties reached a settlement in which the insurance company created a substantial reserve to compensate the victims of its improper practice.</li>
	<li>Our Insurance Practice Group successfully compelled appraisal of a restaurant&rsquo;s business income loss resulting from a fire damage which destroyed the restaurant and successfully obtained a substantial six figure recovery for the owner.</li>
</ul>

                                                                                  <div class="subhead">Awards & Honors</div>
              <ul>
	<li><em>Chambers &amp; Partners USA, America&#39;s Leading Business Lawyers,&nbsp;</em>Insurance&nbsp;(Florida), 2018-2022</li>
	<li><em>Daily Business Review,&nbsp;</em>&quot;Best Mentor&quot;, Professional Excellence Award, 2022</li>
	<li><em>Florida Super Lawyers</em>
	<ul>
		<li>Rising Star, 2013 &ndash; 2017</li>
	</ul>
	</li>
	<li>Certified Educator by the Department of Financial Services</li>
	<li>Certified Property Loss Umpire - The Property Loss Appraisal Network (PLAN)</li>
</ul>

                                                                                  <div class="subhead">Community Activities / Associations</div>
              <ul>
	<li>Executive Board,&nbsp;Windstorm Insurance Network (WIND)</li>
	<li>Conference Co-Chair 2022,&nbsp;Windstorm Insurance Network (WIND)</li>
	<li>Weather Ready Nation Ambassor</li>
	<li>RIMS Associate Member&nbsp;</li>
	<li>Member, <em>Law360</em>&#39;s Insurance Authority Property Editorial Advisory Board; 2022.</li>
	<li>Member, Association of Professional Insurance Women</li>
	<li>Member, Chamber of Commerce of the Palm Beaches</li>
	<li>Member, Palm Beach South County Bar Association</li>
	<li>Member,&nbsp;S. Barnard American Inn of Court &ndash; Palm Beach County</li>
	<li>Associate Member,&nbsp;Florida Association of Public Insurance Adjusters</li>
	<li>Member, National Association of Public Insurance Adjusters</li>
	<li>Member, Property Insurance Fraud Task Force</li>
	<li>Windstorm Insurance Network, Conference Chair 2019</li>
	<li>Member, Windstorm Insurance Network Bylaw Committee, 2016</li>
	<li>Windstorm Insurance Network Fellow</li>
	<li>Windstorm Conference Education Committee, 2012</li>
	<li>Former President of the Florida Chapter of the National Society of Professional Insurance Investigators</li>
	<li>South Florida Claims Association</li>
	<li>Defense Research Institute (DRI)</li>
</ul>

                                                                                                      
        
                            <div class="subhead">In the News</div>
                                              <p>Fox4 Features Insurance Team in, "Legislature considers ending one-way attorney fees"
                                       <br />December 14, 2022
                                      </p>
                                                              <p>WFTX FOX 4 Features Insurance Team in, "As 90 deadline approaches, experts warn of mass insurance denials."
                                       <br />December 2, 2022
                                      </p>
                                                              <p>Insurance Journal Quotes Insurance Team in, "Florida CFO Calls for Ban on Assignments of Benefits, Limits on Public Adjusters"
                                       <br />October 20, 2022
                                      </p>
                                                              <p>Daily Business Review Quotes Insurance Team in, "Hurricane Ian Might Not 'Crater' Florida's Insurance Market, But Here's What to Expect"
                                       <br />October 18, 2022
                                      </p>
                                                              <p>Tampa Bay Business Journal and Orlando Business Journal Quote Insurance Team in, "Uninsured flood devastation pushes Ian loss estimates higher"
                                       <br />October 12, 2022
                                      </p>
                                                              <p>Client Alert: Don’t Let Your Guard Down: The Aftermath of Hurricane Ian
                                       <br />October 6, 2022
                                      </p>
                                                              <p>GRID Quotes Insurance Team in, "Florida’s insurance market was already in crisis. Then came Hurricane Ian. Will taxpayers end up on the hook?"
                                       <br />October 6, 2022
                                      </p>
                                                              <p>NBC News -NOW Tonight with Joshua Johnson Features Insurance Team in "Storm Could Strain Florida Insurance Industry"
                                       <br />September 30, 2022
                                      </p>
                                                              <p>USA TODAY Features Insurance Team in, "Insurance fraud expert warns Florida homeowners of scams after Hurricane Ian"
                                       <br />September 30, 2022
                                      </p>
                                                              <p>NewsNation Quotes Insurance Team in, "Homeowners Warned of Hurricane Insurance Scammers"
                                       <br />September 30, 2022
                                      </p>
                                                              <p>WFTV9 Features Insurance Team in, "Amid homeowner’s insurance crisis, residents brace for Hurricane Ian"
                                       <br />September 26, 2022
                                      </p>
                                                              <p>Property & Casualty 360 Quote Insurance Team in, "Climate change is generating insurance, legal issues"
                                       <br />September 23, 2022
                                      </p>
                                                              <p>Law.com Quotes Insurance Team in, "Climate change is generating insurance, legal issues"
                                       <br />September 23, 2022
                                      </p>
                                                              <p>Daily Business Review Quotes Insurance Team in "'It's a Big Problem': The Insurance Industry Is the Harbinger of South Florida's Climate Change Risks"
                                       <br />August 29, 2022
                                      </p>
                                                              <p>Daily Business Review Quotes Insurance Team in "'If the Big One Hits': What South Florida Attorneys Need to Know About Hurricane Season 2022"
                                       <br />June 2, 2022
                                      </p>
                                                              <p>Forbes Advisor Quotes Insurance Team in "These Are The Worst Home Insurance Claim Mistakes"
                                       <br />June 2, 2022
                                      </p>
                                                              <p>Berger Singerman Recognized by Chambers USA for Nineteenth Consecutive Year
                                       <br />June 1, 2022
                                      </p>
                                                              <p>Insurance Journal Quotes Insurance Team in "Policies’ Arbitration, AOB Endorsements are Unconstitutional, Florida Lawsuit Claims"
                                       <br />May 19, 2022
                                      </p>
                                                              <p>Law360 Quotes Insurance Team in 'Florida Insurance Crisis Bleeds Into Reinsurance, Experts Say'
                                       <br />May 17, 2022
                                      </p>
                                                              <p>Insurance Journal Quotes Insurance Team in, "Florida Governor Said to Be Eyeing Texas-Style Litigation Law for Special Session"
                                       <br />May 6, 2022
                                      </p>
                                                              <p>Insurance Journal Quotes Insurance Team in, "Consumer Advocate, Florida Trial Lawyers Concerned about Arbitration in Claims Disputes"
                                       <br />April 8, 2022
                                      </p>
                                                              <p>Daily Business Review Honors Insurance Team Among Best Mentors in 2022 Florida Legal Awards
                                       <br />March 30, 2022
                                      </p>
                                                              <p>Miami Today Features Insurance Team in, "As Firms Fail, Citizens Insurance Heads Toward 1 Million Policies"
                                       <br />March 15, 2022
                                      </p>
                                                              <p>Windstorm Insurance Network, Inc. Elects Insurance Team to Serve on its Executive Board
                                       <br />February 1, 2022
                                      </p>
                                                              <p>Law360 Quotes Insurance Team in, "Insurer Can't Skirt Appraisal Of Condos' Hurricane Claim"
                                       <br />August 18, 2021
                                      </p>
                                                              <p>Insurance.com Quotes Insurance Team in, "What to do if your homeowners insurance is canceled"
                                       <br />June 16, 2021
                                      </p>
                                                              <p>Berger Singerman Hosts 6th Annual Hurricane Preparedness Week Series To Ready Florida Businesses For Storm Season
                                       <br />June 15, 2021
                                      </p>
                                                              <p>Berger Singerman Hosts Its First Ever Weather Week
                                       <br />February 23, 2021
                                      </p>
                                                              <p>Law360 Quotes Insurance Team in, "Fla. Justices Close Extra Damages Avenue For Policyholders"
                                       <br />January 25, 2021
                                      </p>
                                                              <p>Insurance Journal Features Insurance Team in, "Hurricane Irma’s ‘Last Gasp’: 3-Year Claims Deadline Put to the Test"
                                       <br />September 9, 2020
                                      </p>
                                                              <p>FOX Business Quotes Insurance Team in "Florida businesses not prepared for hurricane season amid coronavirus pandemic, survey finds"
                                       <br />August 2, 2020
                                      </p>
                                                              <p>Forbes Quotes Insurance Team in "Why Are Insurance Policies Impossible To Read?"
                                       <br />July 26, 2020
                                      </p>
                                                              <p>Florida Politics Features Berger Singerman's 5th Annual Hurricane Preparedness Survey in "Florida business owners fear rough winds in storm season"
                                       <br />July 26, 2020
                                      </p>
                                                              <p>WPEC-TV (CBS)" Berger Singerman’s Insurance Team provides business owners Hurricane Season insurance tips"
                                       <br />July 23, 2020
                                      </p>
                                                              <p>Berger Singerman Hosts Fifth Annual Hurricane Preparedness Week Series to Ready Florida Businesses for this Year's Storm Season
                                       <br />July 5, 2020
                                      </p>
                                                              <p>WPTV "Berger Singerman’s Insurance Team provides business owners Hurricane Season insurance tips"
                                       <br />June 28, 2020
                                      </p>
                                                              <p>Berger Singerman's Insurance Team Named 2019 "Most Effective Lawyers" By Daily Business Review
                                       <br />December 8, 2019
                                      </p>
                                                              <p>Sun Sentinel Quotes Insurance Team in, "Plan ahead for the post-Hurricane Dorian insurance claim you hope to never make"
                                       <br />August 28, 2019
                                      </p>
                                                              <p>'Florida Insurance Hurricane Preparation Survey' featured on multiple media outlets
                                       <br />June 10, 2019
                                      </p>
                                                              <p>Berger Singerman Hosts Fourth Annual Hurricane Preparedness Week Series to Ready Florida Businesses for Storm Season
                                       <br />May 30, 2019
                                      </p>
                                                              <p>Berger Singerman Recognized by Chambers USA for Sixteenth Consecutive Year
                                       <br />April 24, 2019
                                      </p>
                                                              <p>Law360 Quotes Insurance Team in, "Fla. High Court Bolsters Policyholders In Bad Faith Case"
                                       <br />September 23, 2018
                                      </p>
                                                              <p>Berger Singerman Hosts Third Annual Hurricane Preparedness Week Series to Ready Florida Businesses for Storm Season
                                       <br />May 29, 2018
                                      </p>
                                                              <p>Berger Singerman Recognized by Chambers USA for 15th Consecutive Year
                                       <br />May 2, 2018
                                      </p>
                                                              <p>Berger Singerman Elevates Gina Clausen Lozier, Mitchell W. Goldberg and Iryna Ivashchuk to Partner
                                       <br />January 1, 2018
                                      </p>
                                                              <p>Sun Sentinel Quotes Insurance Team in, "Check fine print: Business interruption insurance harder to claim than many think"
                                       <br />September 28, 2017
                                      </p>
                                                              <p>GlobeSt Interviews Insurance Team in, "After Irma, When Will Insurers Pay Your Claims?"
                                       <br />September 26, 2017
                                      </p>
                                                              <p>WPBF News Channel 25 Interviews Insurance Team on, "Irma's Aftermath: Hurricane Insurance"
                                       <br />September 14, 2017
                                      </p>
                                                              <p>Thirty-Two Berger Singerman Attorneys Recognized in the 2017 Super Lawyers Florida Edition
                                       <br />June 8, 2017
                                      </p>
                                                              <p>Berger Singerman Receives High Marks by Chambers USA for Fourteenth Consecutive Year 
                                       <br />May 29, 2017
                                      </p>
                                                              <p>Berger Singerman Hosts Second Annual Hurricane Preparedness Week Series to Ready Florida Businesses for Storm Season
                                       <br />May 16, 2017
                                      </p>
                                                              <p>Newspaper Media Group Quotes Insurance Team in, "Avoid getting soaked - check insurance policy"
                                       <br />February 16, 2017
                                      </p>
                                                              <p>Law360 quotes Gina Clausen Lozier on "Fla. Policyholders Gain Slight Edge In Property Damage Cases"
                                       <br />November 30, 2016
                                      </p>
                                                              <p>Gina Clausen Lozier Has Been Appointed to the Windstorm Insurance Network (WIND) Board of Directors
                                       <br />November 30, 2016
                                      </p>
                                                              <p>Law360 Quotes Insurance Team on "Matthew's Battering Of Fla. Won't Capsize Insurers"
                                       <br />October 6, 2016
                                      </p>
                                                              <p>Insurance.com Quotes Insurance Team, "What to do if your homeowners insurance is cancelled"
                                       <br />September 19, 2016
                                      </p>
                                                              <p>Daily Business Review quotes Michael Higer and Gina Clausen Lozier on &quot;Hurricane Lawyers and CPAs: Be Ready for the Storm&quot;
                                       <br />June 29, 2016
                                      </p>
                                                              <p>Thirty-Six Berger Singerman Attorneys Recognized in the 2016 Super Lawyers Florida Edition 
                                       <br />June 13, 2016
                                      </p>
                                                              <p>Berger Singerman Hosts Hurricane Preparedness Week Series to Ready Florida Businesses for Storm Season 
                                       <br />May 11, 2016
                                      </p>
                                                              <p>Berger Singerman Receives Successful Jury Verdict in Complex Insurance Case
                                       <br />March 10, 2016
                                      </p>
                                                              <p>Local 10 News Quotes Insurance Team on "Citizens policyholders ask for help deciphering 'take-out' letters"
                                       <br />January 24, 2016
                                      </p>
                                    
        
        
                                  <div class="subhead">Publications</div>
                                                    <p>
                     Daily Business Review, "Career Growth: Success Mentorship in the Legal Industry"
                                           <br />May 20, 2022
                                         </p>
                                                                      <p>
                     Law360 "11th Circ. Ruling Highlights Trend Of Stricter Insurer Valuation"
                                           <br />February 7, 2022
                                         </p>
                                                                      <p>
                     South Florida Business Journal "Litigation risks high in Florida: Business owners and property managers should be on alert"
                                           <br />February 16, 2021
                                         </p>
                                                                      <p>
                     Chambers & Partners USA - Insurance & Reinsurance 2021 Q&A
                                           <br />January 19, 2021
                                         </p>
                                                                      <p>
                     Law360 "Assessing Fla. Insureds' Hurricane Losses During A Pandemic"
                                           <br />August 18, 2020
                                         </p>
                                                                      <p>
                     Property Casualty 360, "COVID-19 and Hurricanes: The Perfect Storm"
                                           <br />June 28, 2020
                                         </p>
                                                                      <p>
                     Daily Business Review, "Hurricane Season Insurance Claims Expectations vs. Reality"
                                           <br />June 24, 2019
                                         </p>
                                                                      <p>
                     Berger Singerman Survey Reveals Most Florida Businesses Are Not Prepared for Hurricane Season
                                           <br />June 9, 2019
                                         </p>
                                                                      <p>
                     Growing America, &quot;Crop Insurance: Read the Fine Print&quot;
                                           <br />July 29, 2018
                                         </p>
                                                                      <p>
                     Daily Business Review, &quot;Learning from Hurricane Irma: Properly Insuring and Protecting Your Business&quot;
                                           <br />June 20, 2018
                                         </p>
                                                                      <p>
                     Law360, &quot;Protecting Your Construction Site During Hurricane Season&quot;
                                           <br />May 30, 2018
                                         </p>
                                                                      <p>
                     Miami Herald, &quot;Here's what to know about insurance coverage for your business after Irma&quot;
                                           <br />September 16, 2017
                                         </p>
                                                                      <p>
                     Miami Herald, &quot;After the storm: Small businesses should anticipate insurer's document requests&quot;
                                           <br />July 15, 2017
                                         </p>
                                                                      <p>
                     Daily Business Review, &quot;New Hurricane Center Guidelines: Update Your Emergency Action Plan Now&quot;
                                           <br />June 8, 2017
                                         </p>
                                                                      <p>
                     Condo Management, &quot;Best practices for handling a hurricane insurance claim&quot;
                                           <br />June 6, 2017
                                         </p>
                                                                      <p>
                     Law 360, &quot;Zika In Florida: Hope For The Best, Plan For The Worst&quot;
                                           <br />August 21, 2016
                                         </p>
                                                                      <p>
                     Daily Business Review, &quot;You Don't Have to Be Bitten to Be Affected by Zika&quot;
                                           <br />August 8, 2016
                                         </p>
                                                                      <p>
                     Law360, &quot;Insurance Agents - Help Your Client, But Protect Yourself&quot;
                                           <br />June 30, 2016
                                         </p>
                                                                      <p>
                     Daily Business Review, "Citizens: Is the Grass Always Greener on the Other Side?"
                                           <br />February 3, 2016
                                         </p>
                                                                      <p>
                     South Florida Legal Guide, &quot;Get the Insurance Coverage the Gecko and Flo Promised You&quot;
                                           <br />January 7, 2016
                                         </p>
                                          
        
        
                            <div class="subhead">Events &amp; Speaking Engagements</div>
                                              <p>Gina Clausen Lozier, Moderator, "The Resolution: Understanding the Resolution of a Commercial Insurance Claim," WIND 2021
                                       <br />May 26, 2021
                                     </p>
                                                              <p>Webinar: Don't Get Caught In The Storm: Practical Considerations for Construction Projects During Hurricane Season
                                       <br />September 28, 2020
                                     </p>
                                                              <p>Webinar: Rescue or Refund? PPP Certifications & Main Street Lending Program Update
                                       <br />May 4, 2020
                                     </p>
                                                              <p>Webinar: Emerging Issues Facing Businesses Amidst COVID-19
                                       <br />April 6, 2020
                                     </p>
                                                              <p>Michael Higer, Speaker, "Insurance Advocacy 25 Years After Andrew," History Miami Museum
                                       <br />August 15, 2017
                                     </p>
                                                              <p>Michael Higer and Gina Clausen Lozier, Presenters, "The Peril of the Wind Created Opening," CLE
                                       <br />June 7, 2017
                                     </p>
                                                              <p>Michael Higer and Gina Clausen Lozier, Speakers, "2017 Silver Anniversary Conference" Florida Association of Public Insurance Adjusters (FAPIA)
                                       <br />May 21, 2017
                                     </p>
                                                              <p>Michael Higer and Gina Clauden Lozier, Presenters, "Law and Ethics for Public Adjusters," FAPIA 2016 Year End Conference
                                       <br />November 5, 2016
                                     </p>
                                                              <p>Gavin Gaukroger and Gina Clausen Lozier, Presenters, "Avoiding Riptides: Resident Safety and Risk Management," FL ALFA's 4th Annual Conference and Exhibit Show
                                       <br />August 22, 2016
                                     </p>
                                                              <p>Gina Clausen Lozier and Gavin Gaukroger, Presenters, "HIPAA Compliance: What Rehabilitation Facilities Need to Know"
                                       <br />June 21, 2016
                                     </p>
                                    
        

        
                            <div class="subhead">Doing Business in Florida Blog</div>
                                              <p>Client Alert: Insurers Continue to Scrutinize ACV/RCV Provisions
                                       <br />January 19, 2022
                                     </p>
                                                              <p>Hung Out to Dry: Property Insurance Cancellation
                                       <br />June 24, 2021
                                     </p>
                                                              <p>Significant Changes Coming to the Florida Building Code
                                       <br />November 9, 2020
                                     </p>
                                                              <p>Client Alert: Upcoming Deadline to Report Hurricane Irma Damage
                                       <br />August 10, 2020
                                     </p>
                                                              <p>Learn Your ABC’s: Understanding Your Basic Homeowner’s Insurance Coverage
                                       <br />July 14, 2020
                                     </p>
                                                              <p>Vlog: Coronavirus Pandemic: How Businesses Should Track and Document Their Losses with Insurance Team and Forensic Accountant Jake Parsons
                                       <br />April 7, 2020
                                     </p>
                                                              <p>Vlog: Coronavirus Pandemic: Understand your Insurance Coverages with the Insurance Team
                                       <br />March 22, 2020
                                     </p>
                                                              <p>Insurance Carrier Continuity Plans in the Era of COVID-19
                                       <br />March 19, 2020
                                     </p>
                                                              <p>VLOG - How is a hurricane's path predicted?
                                       <br />October 7, 2018
                                     </p>
                                                              <p>VLOG - The Peak of Hurricane Season: Why Now?
                                       <br />September 6, 2018
                                     </p>
                                                              <p>What if Your Insurance Company Goes Under?
                                       <br />August 8, 2018
                                     </p>
                                                              <p>Policy Changes Upon Renewal
                                       <br />August 6, 2018
                                     </p>
                                                              <p>Hurricane Preparedness Should Include a Plan to Protect Critical Data from a Security Breach
                                       <br />June 21, 2018
                                     </p>
                                                              <p>Environmental Insurance Coverage: Now you have it – now you don’t
                                       <br />June 14, 2018
                                     </p>
                                                              <p>After Hurricane Irma: Weathering Your Insurance Claim
                                       <br />September 12, 2017
                                     </p>
                                                              <p>Vlog: Winds of Change: Updates to the NHC Warning System
                                       <br />June 11, 2017
                                     </p>
                                                              <p>Post Loss Compliance: The Duty to Give Prompt Notice
                                       <br />June 5, 2017
                                     </p>
                                                              <p>Vlog: The Tides have Changed: New Storm Surge Predictions from the NHC
                                       <br />June 4, 2017
                                     </p>
                                                              <p>Held hostage by ransomware? There is insurance for that.
                                       <br />May 16, 2017
                                     </p>
                                                              <p>A Victory for Florida Policyholders: The Florida Supreme Court Upholds the Concurrent Cause Doctrine
                                       <br />November 30, 2016
                                     </p>
                                                              <p>Don't Let Your Guard Down: The Aftermath of Hurricane Matthew
                                       <br />October 10, 2016
                                     </p>
                                                              <p>Wind v. Wave: Making the Critical Distinction of Damage Caused by Storm Winds and Storm Surge
                                       <br />September 8, 2016
                                     </p>
                                                              <p>Get Ahead of the Storm: Issues for Lease Considerations
                                       <br />June 9, 2016
                                     </p>
                                                              <p>Cybersecurity: Before and After the Storm
                                       <br />June 8, 2016
                                     </p>
                                                              <p>Are You Caught in the Storm? What Bankruptcy Practitioners Need to Know about Hurricane Claims
                                       <br />June 7, 2016
                                     </p>
                                                              <p>Governments Are Not Immune to Hurricanes
                                       <br />June 6, 2016
                                     </p>
                                                              <p>Don't Be a Scapegoat: What an Insurance Agent Should Know When Preparing Clients for Hurricane Season
                                       <br />June 5, 2016
                                     </p>
                                                              <p>What You Need To Know About Your Insurance Policy
                                       <br />May 11, 2016
                                     </p>
                                                              <p>Don't be Afraid of Your Shadow
                                       <br />February 15, 2016
                                     </p>
                                                              <p>Valentine's Day Aftermath?
                                       <br />February 15, 2016
                                     </p>
                                    
        

                                                                                                                                                                                                                                <div class="subhead">Prior Affiliations</div>
              <ul>
	<li>Higer Lichter &amp; Givner</li>
	<li>Groelle &amp; Salmon, PA</li>
</ul>

                                                

    
  

          </div>          
        
</div>