What we handle
- Denied claims
- Denials based on exclusions, late notice, wear and tear, or a claim that the damage came from something other than the covered event.
- Underpaid claims
- Estimates that miss damage, use prices below what contractors charge, or treat a replacement as a patch job.
- Delayed claims
- Claims stuck in repeated inspections, requests for documents, or no answer at all.
- Hurricane and wind
- Roof, window, and interior damage, and disputes over wind versus flood.
- Water and plumbing
- Sudden leaks, burst pipes, failed supply lines, and cast-iron drain failures.
- Roof, fire, smoke, and mold
- Roof replacements, fire and smoke losses, and mold that follows water damage.
Signs you should talk to a lawyer
- The insurer denied your claim or part of it
- The payment doesn't cover what contractors are quoting
- The insurer keeps asking for documents or inspections without deciding
- The adjuster says the damage was old, wear and tear, or flood
- You received a letter you don't fully understand
How we help
- Read your policy and every letter the insurer sent
- Document the full loss with independent estimates when needed
- Handle the insurer's requests, appraisal, and negotiation
- File suit when the insurer won't do the right thing
Questions
What is the deadline to report a property claim in Florida?
Under Florida Statute 627.70132, notice of a new or reopened claim generally must be given within one year of the date of loss, and a supplemental claim within 18 months. Lawsuits have separate deadlines.
The insurer says my damage is from flooding, not wind. What now?
Standard homeowners policies usually cover wind damage and exclude flood. Insurers sometimes label damage as flood when wind did much of it. An independent look at the evidence can make a real difference.
How does a hurricane deductible work?
Many Florida policies have a separate hurricane deductible, usually a percentage of your dwelling coverage. On a home insured for $250,000 with a 2% hurricane deductible, the first $5,000 of covered damage is yours.
Tell us what happened
Send the form, or reach us directly. We'll review your situation for free and explain your options.