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Insurance Lawyer in Florida

Florida Home Claim P.A.

Florida Home Claim, P.A. is a law firm that specializes in residential, commercial, and insurance claims. We help clients get the maximum compensation for their damages. Schedule your free consultation today!

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Why Choose Us

Insurance Lawyer Florida

Few states have seen as many storms and natural disasters as Florida. It’s constantly battling Mother Nature. In fact, an unsettling majority of the most damaging storms in our nation’s history have taken place in Florida.

When it comes to costly losses, residents and businesses alike are wise to seek Florida insurance protection. Coverage is a fundamental aspect of living in Florida, especially regarding homeowners’ insurance.

When you sign a contract with your insurance provider, you promise to pay your premiums on time with the expectation that they will honor a valid claim. Providers who underpay or deny a legitimate claim are acting in bad faith, and you may need legal help to fight to recover what you are owed.

In Florida, anyone can seek litigation against insurance companies that do not attempt in good faith to settle claims fairly and honestly. Your experienced bad faith insurance lawyers offer a free consultation to go over any questions or concerns you may have about your coverage and denied claims in Miami, Florida.

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Understanding insurance

What Does An Insurance Lawyer Do?

Anytime you sign a contract, you must understand what you’re signing since compliance is necessary from both sides.

Whether you have health insurance, car insurance, or homeowners’ insurance, your premiums must be paid in full and on time for your coverage to remain active. The company should provide the coverage you agreed to when signing the contract by complying with these conditions.

Since contracts can be intentionally confusing and hard to read, it’s always a good idea to have a Florida lawyer assess the contract before signing. If you think your Florida insurance claims have been unjustly denied, contact Florida Home Claim, P.A., so we can help you hold the company accountable for the full coverage that they agreed to. The insurance claims lawyers at our law firm will fight bad faith claims denials on your behalf.
We support our clients by focusing on the following practice areas:

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Homeowners’ Insurance

Homeowners’ insurance is a property insurance policy that offers coverage for a residence. This form of insurance commonly covers losses and damage to your private home, along with furnishings and assets. Many mortgage lenders will require homeowners’ insurance.

Living in Florida, you will especially want protection from:

Theft & Vandalism

Theft is taking the property of another without their consent. Vandalism is the intentional destruction of property. If your house or business has been burgled, it can be hard to prove the value of the stolen items. Your insurance lawyer in Florida can help you establish your case in either event.

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Fire Damage

While any kind of property damage can be devastating, fire is particularly devastating and very traumatic. The last thing you want to do is fight your insurance company to recover your losses.

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Lightning Damage

When lightning strikes, you should be covered. Most homeowners' insurance policies will cover this devastating event. Lightning can destroy personal property, including appliances, furniture, electronics, and other possessions.

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Smoke Damage

If you have experienced a fire on your property, you know how devastating it can be. Smoke damages virtually everything in a house: many of your possessions and furniture may need to be thrown away even if they don’t look very damaged.

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Mold Damage

Mold can be incredibly toxic for you and your family and lead to respiratory complications. If your insurance company denies your policy claim, you should contact experienced insurance claims attorneys immediately. You never want to wait when it comes to your and your loved one’s health.

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Flood Damage

Standard homeowners and renters insurance typically will not cover flood damage. You should consider flood insurance if you live in a designated flood zone, but flooding can also happen in inland areas. Your insurance lawyer can help you file a claim for flood damage.

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Storm Damage

Storms or other bad weather can also be challenging to get approved by your insurance company. You should file a claim as soon as you notice any damage to your home to keep your house habitable. Wind damage can be devastating, especially if you need to repair or replace your roof.

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Water Damage

Pipes can burst suddenly without any warning, or your water heater could rupture and drench your drywall. Your homeowners' insurance policy should help cover water damage if the cause is sudden and accidental. Your insurance lawyer in Florida will fight your insurance company if they try to deny your claim.

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Cast Iron Pipes

Millions of property owners across the U.S. are at risk for costly cast iron pipe damage due to premature corrosion. If you’re a homeowner facing property damage for faulty cast iron pipes, your insurance claim attorneys can help you file a claim with your homeowner’s insurance and substantial secure compensation for replacement costs.

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Roof Leaks

Fixing a roof leak isn’t always cheap, but your homeowners' insurance policy probably covers the repair. If your insurance company won’t pay up or is delaying compensation for your claim, you are entitled to an insurance attorney.

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Plumbing Issues

Your homeowners' insurance policy should cover any sudden and unexpected water damage due to a plumbing malfunction or broken pipe. However, if you suspect that your insurance isn’t sufficiently covering damages, you have the right to obtain the proper amount.

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Not all policies cover flooding, and it can be hard to ascertain if the damage was caused by wind or flooding. This can make it tricky to get your insurance claim approved, especially if hundreds of other people are also submitting claims. According to the NOAA Office for Coastal Management, approximately 15 million of the 19.6 million residents live in coastal areas. Denying a claim may be an action insurance companies take unless you have insurance lawyers fighting for your claim.

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HOA Property Claims

Homeowner associations (HOA) often have complex laws that change regularly. As a member of one of these organizations, you may be met with difficulties should you need to file a property damage claim. You need an experienced insurance attorney on your side who can navigate HOA laws according to Florida Statutes.

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Commercial Insurance

Commercial insurance is coverage for businesses and corporations designed to cover the business itself, the employees, and ownership. Since there are so many types of insurance policies involved in this area, it can get confusing how to navigate through them.

Business Interruption

Business interruption insurance covers the loss of income that your company might suffer after an unexpected event or disaster. This insurance also covers extra expenses that can help you rebuild your business after an event.

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Restaurant Claims

Running a restaurant is a challenging feat. Not only do you have to worry about personnel, service, food quality, and the customer experience, but you also have to run the back office. You can easily overlook important criteria such as taxes, insurance, customer safety, profitability, and state regulations.

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Your insurance lawyer in Florida should have years of experience investigating insurance plans, claim issues, and exclusions. They should be aware of bad faith tactics used by insurance providers to avoid paying insurance claims in order to maximize their profits.

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Frequently Asked Questions

This is mainly due to so many variables that go into determining your monthly premium. For example, your payment may be higher than someone else’s for the same plan due to criteria such as the nature of the item being covered or any other added services.

When an insurance company refuses to pay your car accident claim, you should fight back. It’s up to you to take action following an initial denial or refusal by the company. By the time a claim investigator formally refuses to pay for your bodily injury and property damages, they have already gathered enough evidence to support a denial position in court.

In Florida, insurance companies have 90 days to notify you whether they have accepted or denied your claim. If your provider approves your claim, the Florida Statutes state that they must pay you within 20 days of their decision.

All insurance policies come with a duty of good faith between the insurer and the policyholder. While the policy itself does not have to actively state as much, Florida state law has enacted it to help protect policyholders from unlawful activity from insurance companies.  Insurance companies can request proof of claims, conduct their investigations, question evidence and losses, and limit claims or even deny them—so long as it is warranted. This is within their rights as an insurance company. It is unacceptable when an insurance company attempts to intimidate their policyholders by deliberately misstating their claims or making the policy so tricky to understand that filing a claim is not worth the effort.  Examples of bad faith that insurance companies can display include:

  • Ignoring policyholders when they try to communicate or submit a claim
  • Denying a claim immediately without an investigation
  • Misrepresenting the coverage and what it provides
  • Failing to provide a reason for claims denial
  • Failing to request additional information in a prompt manner
  • Denying a claim without a reasonable basis

Florida bad faith insurance claims might often go overlooked because policyholders may not want to fight their insurance companies. Historically, many providers seek to complicate their terms of coverage so that they can benefit. Bad faith insurance claims are easy to spot, especially in the following situations once you have filed a claim that is: 

  • Immediately denied without proper explanation
  • Not investigated thoroughly or promptly
  • Deliberately misrepresented in your contract
  • Delayed over time before a settlement is reached
  • Significantly underpaid in regards to your policy coverage
In many cases, insurance claims agents are trained to underpay claims or even outright deny them immediately, causing policyholders to fight back and counter their rejection. This process can be drawn out and delay you from getting the compensation you deserve when you most need it.  Our insurance claims lawyers understand that even partial compensation is not enough. Suppose your Florida insurance company is not fulfilling its part of the contract to pay damages to your motor vehicle, home, or another asset. In that case, you may be able to file a bad faith insurance claim and have the law on your side!  At Florida Home Claim, P.A., our law firm will fight your insurance company on your behalf to get you the timely compensation that you are entitled to.

  • Denying a claim without a reason
  • Delaying a decision
  • Making a low-ball offer
  • Refusing to pay a valid claim
  • Failing to conduct a prompt investigation
  • Making threatening statements
  • Refusing to provide you with documentation
  • Delaying payment
  • Misrepresenting the law or facts of your case

If you are offered a settlement that is too low, you can refuse it, and you should. By speaking to a knowledgeable insurance claim attorney, they can investigate your circumstance and calculate the full value of all the covered damages under Florida law.

Never say that you are sorry or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce an insurance company's liability, and any admission of negligence can seriously compromise a claim. 

Before you talk to an insurance company, you should contact a lawyer, who will handle all of the communication and negotiation. An experienced attorney will be accustomed to handling insurance companies and will be able to fight for you to be properly compensated.

If your insurance company violates the terms of your policy, refuses to pay you what you are owed, or generally acts in bad faith, you can sue them in the State of Florida.

You will have to pay legal fees, even if you lose your case unless your contract specifically says that you do not owe the fees if you lose. The contingency fee contract must be in writing and signed by the client and any attorney or law firm who will be paid under the contract.

Don’t Let Your Insurance Company Deny Your Claim

Homeowners’ insurance policies are a mix of property and liability insurance. The house and furnishings are typically protected from fire, weather, sinkholes, theft, accidents, hurricanes, wind damage, and other events that can cause damage to your property under the terms of your insurance coverage. If a person has been injured on your property, the company should provide coverage if the injured party sues.

Insurance companies are financially motivated to delay payment or deny your claim, even if it is valid. Residential insurance lawyers in Florida can help you dispute bad faith claim denials and hold your insurance company responsible for honoring their policy, which is a contract between the insurance company and the homeowner.

If they are acting in bad faith, insurance companies can be held liable by law for punitive damages on top of the coverage they owe.

Having a much-needed insurance claim denied during an already challenging and stressful time in your life can worsen your situation. Worrying about the financial burden on top of bad faith actions can be another burden. Trusted insurance claims lawyers from our law firm can help commercial, residential, motor vehicle, and other insurance policyholders resolve insurance claims disputes and hold insurance companies responsible for the very policies they offer.

Free Consultation

The insurance lawyers at Florida Home Claim, P.A. have the experience and knowledge necessary to get the insurance companies to offer the compensation you deserve without waiting.

Our law firm is proud to offer the personal legal representation you and your loved ones need so that your insurance claim can be accepted or paid out. We also offer a free consultation so we can help protect your rights and go after the financial compensation you deserve.

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Awards and Accreditations

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Robert handled a criminal traffic infraction and got it dismissed. He is a great attorney. I highly recommend him.

- Sam

I felt like I was Mr. Lee’s only client. He was very knowledgeable and attentive. I felt like he was determined to get the best outcome possible and wasn’t willing to settle for anything less than what was best for me.

- Christopher

I own and operate a few business’s in central Florida. I travel and communicate with Robert simply because his knowledge and persistence with getting my needs met are unmatchable. I would recommend him to anyone in the state!

- Spyro

Look…. Hands down this attorney is the real deal…. I arrived to his office spoke to face to face all the details and handed over all paper work he needed… all I can say is…. HE GOT THE JOB DONE YES I hired him, YES he was successful, YES I trust him.

- Matias Cas

From my extensive background in police and domestic altercations, Mr. Lee has been a blessing to my pursuit of happiness. Mr. Lee is a constant professional entity in my sphere of influence.

- Troy

I own and operate a few business's in central Florida. I travel and communicate with Robert simply because his knowledge and persistence with getting my needs met are unmatchable. I would recommend him to anyone in the state!

- Spyro

Robert have given me very informative advice regarding a Criminal Traffic Case that I am currently looking to have expunged. I recommend his services.

- Gary P.

I was in an accident which totaled my new car. Mr. Lee was highly recommend and not only did he meet my expectations but he went above and beyond. I was so thankful that he agreed to take my case on a contingency basis. It is hard to believe someone would work so hard without any payment. Mr. Lee was very informative throughout the process and always kept me in the loop. He negotiated with the insurance companies and hospital and helped me receive a settlement that exceeded my expectations. I was very pleased with the results and would highly recommend him. If you're looking for a fantastic Attorney look no further.

- Debra Johnson

I would highly recommend this attorney. My case was resolved in the manner in which it should have been. Further more Mr. Lee was the only attorney I found willing to take my type of case on a contingency basis.

- C Rosenthal

I have to say that everyone including Robert J Lee were very attentive and efficient with my case. Robert went above and beyond to resolve my case. Im very pleased with our end results and I would recommend Robert J Lee as an attorney. Thank you to everyone that was involved in my case.

- Eneida Perez


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