Fighting for Homeowners Across Florida

You are not required to have an attorney, but having one significantly improves your outcome. Insurance companies have experienced adjusters and in-house lawyers whose goal is to minimize what they pay. An attorney who focuses on property damage claims levels that playing field and handles all communication and negotiation on your behalf.

Nothing upfront. We work on a contingency fee basis, which means we only get paid if we recover money for you. You never write a check out of pocket. If we do not win your case, you owe us nothing.

Usually no. Many denial decisions can be challenged, especially when the denial was based on vague policy language or an incomplete investigation. We regularly overturn improper denials. Contact us as soon as possible after receiving a denial letter so we can review your options before any deadlines expire.

Do not accept the first offer without speaking to an attorney. Once you accept a settlement and sign a release, your ability to recover additional compensation is severely limited. We can review your offer, compare it against the true cost of repairs, and negotiate for a better outcome before you commit.

Florida law requires most property damage claims to be reported to your insurer promptly after the damage occurs. For legal action, there are statutory deadlines as well. The specific timeframes depend on your policy and the nature of your claim. Contact us as soon as possible to protect your rights.

Insurance bad faith refers to situations where an insurer unreasonably delays, denies, or underpays a valid claim. Florida has specific laws that protect policyholders from bad faith practices and that allow for additional damages beyond the original claim value in some cases. If your insurer has been unresponsive, evasive, or has made unreasonably low offers, you may have a bad faith claim.

We handle the full range of property damage insurance claims, including hurricane and storm damage, water damage, flood damage, roof damage, fire and smoke damage, mold damage, plumbing and cast iron pipe damage, hail damage, theft and vandalism, and commercial property damage.

Not necessarily. 'Wear and tear' is one of the most overused exclusions in the insurance industry. While it is a legitimate exclusion in some cases, insurers frequently misapply it to avoid paying valid claims. We examine the actual evidence of your damage and your policy language to determine whether that exclusion is being used fairly.

This is a valid concern, and the answer depends on your policy, your insurer, and the nature of your claim. We can help you understand the potential impact and make an informed decision about whether and how to proceed.