Hurricane & Storm Damage
Wind, rain, and storm-surge claims lowballed after Florida's storms. I document the full scope of loss the way carriers are forced to respect.
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Serving All of Florida
Property Insurance Claim Lawyer
Hurricane damage. A wrecked roof. Water through the ceiling. You paid your premiums — and now your insurer is delaying, denying, or offering a fraction of the real cost. I evaluated claims for carriers for 20+ years. Now I make them pay what the policy owes.
The Insider Advantage
I Scoped Losses the Way Your Carrier Does
Property claims live and die on the scope of loss — what's counted, what's excluded, and which pricing the estimate is built on. As a CPCU-certified former adjuster, I built and reviewed those estimates from the carrier side. I know where they run thin, which exclusions get stretched past their language, and what a properly documented claim looks like.
In a state where hurricane seasons produce waves of underpaid claims, that experience isn't a talking point — it's the entire method: re-scope the loss independently, anchor every line to the policy, and present the claim so the carrier's own process has to answer it.
How I Can Help
Property Claims I Handle
From single-family homes to condos and commercial property — if an insurer owes you for a covered loss, I pursue it.
Roof Damage Claims
The most disputed claim in Florida — carriers argue wear-and-tear over storm damage. Evidence and policy language settle that argument.
Water & Plumbing Damage
Sudden pipe failures and water intrusion claims denied over 'gradual damage' exclusions that often don't apply as broadly as the denial letter implies.
Denied & Underpaid Claims
A denial is the carrier's opening position, not a verdict. Independent scoping regularly reveals losses valued at multiples of the first offer.
Bad-Faith Claim Handling
Unreasonable delays, lost documents, and take-it-or-leave-it offers can breach the insurer's duty of good faith — and become leverage.
Condo & Business Property
Association disputes, unit-owner losses, and commercial property claims with layered policies and finger-pointing between insurers.
Florida's Claim Deadlines Have Been Shortened
Recent Florida insurance reforms cut the time policyholders have to report property claims — in many cases to as little as one year from the date of loss, with tighter windows still for supplemental and reopened claims. Insurers know homeowners don't track these changes. If you have storm or water damage, the safest move is a prompt, properly documented claim — and a fast second opinion on any denial.
Common Questions
Property Claim FAQs
Wondering whether your denial or lowball estimate can be challenged? Start with a free, confidential review of your policy and claim file.
Ask a QuestionMy homeowners insurance claim was denied. Is that final?
No. Denials are frequently based on strained readings of exclusions, incomplete inspections, or missing documentation that can be supplied. Bring me the denial letter and your policy — a review will tell you whether the denial actually holds up under the policy language.
The insurer's estimate is far below my contractor's. What now?
That gap is normal — and negotiable. Carrier estimates are often built on preferred pricing databases and limited scoping. An independent, line-item scope of loss, presented the way adjusters are trained to evaluate one, is how the number moves.
How long do I have to file a property claim in Florida?
Florida law sets strict notice deadlines for property claims, and recent reforms have shortened them significantly — in many cases to as little as one year from the date of loss for initial claims, with even less time for supplemental claims. If your loss is recent, don't wait; if it's older, get the dates checked before assuming it's too late.
Do I need a public adjuster or an attorney?
They do different jobs. A public adjuster estimates and negotiates the scope of loss for a fee; an attorney can do that and litigate coverage disputes, bad faith, and denials. As a former company adjuster, I bring the scoping knowledge and the legal leverage in one place — and you pay nothing unless we recover.
Will my rates go up if I fight a denial?
Pursuing what your policy already owes you isn't the same as filing new claims, and insurers can't lawfully retaliate against you for asserting your contract rights. The bigger financial risk is almost always accepting an underpayment.
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Free Consultation · No Fee Unless We Win
Underpaid on a Property Claim? Let's Fix That.
Bring me your policy, your estimate, or your denial letter. A free review from a former carrier adjuster will tell you what your claim is really worth.