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Property People Law FL Insurance Claim AttorneysCALL NOW

Storm-season claim deadlines are running, talk to us today Trusted by homeowners for 10+ years

Insurance company denied, delayed,
or underpaid your claim?

We're Florida property damage attorneys. From hurricanes along the coast and the Panhandle to cast iron pipe failures and sinkhole damage statewide, we fight insurance companies that delay, deny, and underpay homeowner claims. No fee unless we recover.

Free, no-pressure case review — usually within 1 business day
No fee unless we recover money for you — contingency basis
Property damage specialists — we know the carriers, adjusters, and judges here
A denial isn't the end — most denied claims have legal weaknesses worth challenging
We bring our own experts — independent adjusters and engineers, not the carrier's
Available 24/7 for a free case evaluation — including nights and weekends after major events

Call (844) 776-7364 Or get a callbackTell us about your claim

Miami · Fort Lauderdale · Tampa · Orlando · Jacksonville · West Palm Beach

$150M+

recovered

10+ years

fighting insurance companies

5.0★★★★★

from 100+ Google reviews

No fee

unless we win your claim

Why this is happening

You paid premiums for years — and when disaster hit Florida, your insurer treated you like the enemy.

Florida sees more named storms than any state in the country. Hurricane Milton across Tampa Bay, Helene's Big Bend and Panhandle hit, Ian's Fort Myers landfall, and earlier storms have left a long claims aftermath. Even between hurricanes, cast iron pipe failures, sinkhole activity, and slab leaks generate thousands of underpaid or denied claims a year. Adjusters undercount damage. Files quietly close. Pressure to sign settlement releases before the full repair scope is even visible. Lowball offers when you're exhausted and want it to end.

You don't have to accept that. Florida has specific laws built to protect policyholders. The Unfair Claim Settlement Practices Act (Fla. Stat. § 626.9541) lists prohibited practices insurers aren't allowed to use against you — failing to investigate fairly, misrepresenting policy provisions, dragging out claims to force settlements. Florida's civil remedy statute (Fla. Stat. § 624.155) lets policyholders pursue damages when those practices cross the line. That's where the real leverage comes from.

"Within two weeks of hiring them, the adjuster came back out. Within two months, my claim was paid in full, about 4× what State Farm originally offered."— Marcus T. · Hurricane Wind Claim

"We'll get back to you"Months pass. Repairs stall. The damage gets worse — and in Florida's heat and humidity, mold and structural rot set in fast while you're waiting for callbacks that never come.
"Wear and tear, not covered"A blanket denial that ignores the carrier's own policy language and the duty to investigate fairly under Fla. Stat. § 626.9541(1)(i).
"Sign here to close it out"Pressure to sign a release before you've seen what full repair actually costs — a tactic Fla. Stat. § 626.9541(1)(i) specifically prohibits when liability is reasonably clear.
"Take it or fight us"A take-it-or-leave-it offer designed for Florida homeowners without a lawyer. Once that calculation changes, the offer usually does too.

What we handle

Florida homeowner claims we fight every day

If your damage is property-related and your insurer isn't paying what they should, we should talk.

Hurricane & wind damage

Florida sees more named storms than any state in the country. Hurricane Milton across Tampa Bay, Helene's Big Bend and Panhandle hit, Ian's Fort Myers landfall, and Irma's coast-to-coast track left a long claims aftermath. Carriers routinely classify wind-driven water as 'flood damage' (excluded under most homeowner policies) instead of covered wind intrusion. We dispute those classifications, handle named-storm and wind disputes statewide, and challenge hurricane deductibles applied to losses that don't qualify.

Cast iron pipe & water damage

Cast iron pipe failures are one of the most common — and most underpaid — claims in older Miami-Dade and Broward homes. Carriers love to deny these as 'long-term deterioration' or 'normal wear and tear.' Florida law and the carrier's own policy language usually tell a different story when the failure was sudden and accidental. The same playbook applies to slab leaks, supply-line failures, and other water damage carriers want to call gradual.

Sinkhole damage

Sinkholes are uniquely Florida — and uniquely complicated. Carriers routinely undervalue sinkhole claims, dispute the structural damage, or push 'stabilization only' settlements that leave you with a half-fixed home. Florida law (Fla. Stat. § 627.706) defines what insurers owe on these claims, and we know how to enforce it.

Fire & smoke damage

Smoke and soot damage is routinely undervalued. Florida fire claims also raise complex code-upgrade questions under the Florida Building Code during reconstruction — we document the full scope so the rebuild matches what your policy promised, not what the adjuster wishes it cost.

Denied claims

A denial letter is the carrier's opening position, not a court ruling. Most Florida denials we see have legal weaknesses under Fla. Stat. § 626.9541(1)(i) — particularly the duties to investigate fairly and to deny only on reasonable grounds — that turn the leverage back to the homeowner.

Underpaid & bad faith

When the offer doesn't come close to actual repair costs, or the insurer drags its feet, Florida's civil remedy statute (Fla. Stat. § 624.155) lets policyholders pursue damages beyond the policy limits — including for unfair claim settlement practices the carrier should have avoided. Once a carrier sees that exposure laid out, the offer usually changes.

Why homeowners choose us

A Florida property damage firm built for one thing,
policyholders.

We don't represent insurance companies. Ever.
That's not a marketing line, it's a structural choice.

Policyholders only

Some Florida firms represent insurers one day and policyholders the next. We don't. The conflict of interest under Florida's Rules of Professional Conduct is real, and carriers know it — when we walk in, they know we have no relationships to protect on the other side.

No upfront cost

We work on contingency. No retainer, no hourly bill, and no fee unless we recover money for you. Under Florida's professional conduct rules, the financial risk stays with us — not with the homeowner who's already been through a loss.

Miami office · statewide reach

Florida-licensed attorneys serving homeowners across the state — from Miami and the Atlantic coast to the Gulf, Tampa Bay, Orlando, and the Panhandle. Office in Miami, with cases handled statewide. We know the carriers writing in Florida, the adjusters they send, and how Miami-Dade, Broward, Palm Beach, Orange, and Hillsborough County courts handle insurance disputes.

How it works

Four steps from a denied Florida claim to a fair settlement

Most Florida homeowners are surprised how little they have to do once an attorney is involved — even with carriers used to taking advantage of policyholders without representation.

You call us

Free, confidential conversation. Bring your policy, the carrier's denial letter or estimate, and any photos you took before repairs began. If you've filed FEMA paperwork or a Florida DFS complaint, bring those records too.

We investigate

We send Florida-licensed adjusters and engineers to document the real scope of damage — including the structural issues sinkholes leave behind, the wind-driven water intrusion carriers misclassify as flood, and the cast iron pipe failures common in older Miami-Dade and Broward homes.

We negotiate

We send the carrier a documented demand citing the Fla. Stat. § 626.9541 violations that apply. Many cases resolve here — once a carrier sees a § 624.155 civil remedy exposure laid out, the offer changes.

We litigate if needed

If they still won't pay fairly, we file suit in Florida circuit court or federal court, with the resources to take it all the way.

What "fighting back" actually looks like.

Every case is different, but these are the kinds of recoveries we secure for Florida homeowners when we push back on a lowball offer or wrongful denial.

$897k

Hurricane, Roof & Interior

$225k

Pipe Burst & Mold

$300k

Fire Bad-Faith Claim

Past results do not guarantee future outcomes. Each case is evaluated on its specific facts and policy terms.

What clients say

Real stories from Florida homeowners

★★★★★

"I was about to accept $11,000 from my carrier for a roof I'd been quoted $38,000 to replace. Property People Law got me $46,500 and handled the whole thing. I literally never spoke to the adjuster again."

Jenna R.

Hurricane Wind Claim

★★★★★

"They were calm, clear, and didn't talk down to me. Within a day I knew what my options were. Six months later my house was actually fixed, not patched."

David K.

Pipe Burst & Water Damage

Common questions

What homeowners ask us first

What does it cost to hire a property damage attorney?

Zero upfront. We're paid on contingency — only when we win, and only as a percentage of what we recover for you. No recovery, no fee. The first call is free.

My claim was already denied. Is it too late to fight it?

Most likely not. A denial letter is the insurer's opening position, not a final decision. Florida enforces filing deadlines tied to your policy's suit-limitation clause and state statute, so calling sooner gives us more options.

Can I just talk to the insurance company myself?

You can — just be careful. Recorded statements and casual phone conversations are routinely used to limit or deny claims down the line. If you've already had those conversations, that's not a problem — tell us exactly what was discussed.

How long should I expect this to take?

Most claims close in 60 to 120 days after we step in. Bad-faith cases that move into litigation take longer. After we review your policy and the carrier's file, we'll give you an honest timeline.

Is my claim too small to bother with?

No. If it's been wrongly denied or significantly underpaid, the consultation is free and the math often surprises people — even modest residential claims can carry serious bad-faith leverage under Florida law.

My home was damaged in a hurricane and my claim was denied. Can you help?

Yes. Property People Law represents Florida homeowners whose claims have been denied, delayed, or underpaid after Hurricane Milton, Hurricane Helene, Hurricane Ian, and earlier storms. Carriers routinely undervalue wind, roof, and structural damage from named storms — and they count on most homeowners not pushing back. We read your policy, document what you're owed, and pursue what the carrier should have paid the first time.

Ready to talk?

Stop fighting your Florida insurer alone.

Tell us what happened. We'll review your Florida policy and the carrier's response under Florida law — and tell you straight whether we think you have a case worth pursuing. Free, confidential, no obligation.

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