Residential Property Damage

Most Florida homeowners policies cover damage caused by hurricanes, wind, fire, water leaks, and vandalism — but each policy is different. Flooding, for example, typically requires separate flood insurance. A property damage attorney can review your policy and help determine exactly what’s covered under your claim.

Start by documenting the damage with photos and video, then notify your insurance company as soon as possible. Provide detailed information about the loss and save all correspondence. Because insurance companies often delay or underpay claims, contacting an attorney early helps protect your rights and ensures the claim is properly valued.

Yes — most Florida property damage claims require a Proof of Loss form, which is a sworn statement outlining the extent and value of your damages. It’s a critical part of the claims process and must be submitted accurately and on time. Errors or missing details can lead to delays or denials.

Under Florida law, homeowners generally have one year from the date of the loss to file a property insurance claim and 18 months to file a supplemental claim. These deadlines are strict, so it’s important to act quickly and seek legal guidance if the insurance company is stalling or disputing coverage.

Delays, lowball offers, and claim denials are common tactics used by insurance companies. If this happens, you have the right to challenge their decision. A property damage lawyer can investigate, gather expert documentation, and negotiate directly with the insurer — or file a lawsuit if necessary — to recover fair compensation.

Actual Cash Value refers to the cost of replacing your damaged property minus depreciation, while Replacement Cost covers what it actually costs to repair or rebuild with similar materials at today’s prices. Understanding which applies to your policy can significantly impact your settlement amount.

Yes — most policies include Loss of Use coverage, which pays for temporary housing, meals, and other expenses if your home is uninhabitable due to covered damage. Always save receipts and track expenses to ensure proper reimbursement.

Ensure your safety first, then take photos and videos of all affected areas. Prevent further damage (for example, by covering a broken roof or shutting off water). Notify your insurer promptly, and avoid signing any repair contracts or making recorded statements without legal advice.

Not always — it depends on your insurance company and claim history. While some insurers may raise premiums after multiple claims, filing one legitimate property damage claim is unlikely to cause cancellation or rate increases. However, consulting an attorney ensures your claim is handled strategically.

You should contact an attorney as soon as your claim is delayed, underpaid, or denied — or even before filing. A lawyer can handle communication with the insurance company, document your losses, and ensure your rights are protected every step of the way.