Any claim made against an insurance company for property damage that happens at a home or
commercial structure is referred to as a first-party insurance claim. The damage could be caused by a
burglary, accidents, water, wind, fire, or a major tragedy. Except for losses that are expressly
excluded, several types of plans specifically cover all losses. These policies, which are HO3
policies, are referred to as All-Risks policies. We urge Florida property owners to look for these types of plans because they are often the most beneficial. In a first-party claim, we are
defending the homeowner against the carrier in a breach of contract action.