No recovery, no fee
Hurricane claim denied or underpaid?
After a storm, the last thing you need is a fight with your insurer. We read your policy, find what the adjuster missed, and tell you plainly what your options are. The review is free.
- No recovery, no fee
- Free, no-obligation claim review
- Denied, delayed, and underpaid claims
- Homes, condos, and rental properties
Request your free claim review
Free review. No recovery, no fee.
How we handle your claim
Step 1: Tell us what happened
Share a few details about the storm damage and where your claim stands. We'll follow up to talk it through and answer your first questions.
Step 2: We review the policy and the paperwork
We go through your policy, the insurer's letters, the adjuster's estimate, and your photos to see what is covered and where the numbers fall short.
Step 3: We deal with the insurance company
We document the full scope of the damage, push back on lowball estimates and weak denials, and take legal action when the insurer won't do the right thing.
Step 4: You get back to rebuilding
Our goal is a fair payment that actually covers the repairs. We keep you updated at every stage so you always know where things stand.
Why homeowners call us
- Your policy, read line by line
- We go through the declarations page, endorsements, and exclusions that decide what your insurer owes, and explain them in plain English.
- Straight answers
- You'll hear what we honestly think of your claim, including when it doesn't need a lawyer.
- No recovery, no fee
- Your review is free. If we take your case, we're paid only if we recover money for you, and the terms are in writing before you sign anything.
Hurricane claim questions
Straight answers about Florida hurricane claims. Your situation may differ, so ask us about yours.
My hurricane claim was denied. Is it too late to do anything?
Not necessarily. A denial letter is the insurer's position, not the final word. Many denials rest on a narrow reading of the policy, an incomplete inspection, or a claim that the damage came from something other than the storm.
Florida law sets deadlines for reporting and reopening claims, and your policy may add its own, so it is worth having the denial reviewed as soon as you can.
What are the deadlines for a hurricane claim in Florida?
Under Florida Statute 627.70132, notice of a new or reopened property claim generally must be given within one year of the date of loss, and a supplemental claim within 18 months. Lawsuits have separate deadlines.
These rules have changed several times in recent years, so check the dates that apply to your loss with a lawyer rather than relying on what a neighbor was told.
The insurer says my damage was caused by flooding, not wind. What now?
Standard homeowners policies usually cover wind damage but exclude flood, which is covered separately through a flood policy. Insurers sometimes label damage as flood when wind did much of it.
Roof damage, broken windows, and water that entered through openings the wind created can point to a covered loss. 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 rather than a flat dollar amount. On a home insured for $250,000 with a 2% hurricane deductible, the first $5,000 of covered damage is yours.
In Florida the hurricane deductible generally applies once per calendar year, so a second storm in the same year may be handled differently. Your declarations page shows the exact figures.
Why was my claim paid so low?
Common reasons include an adjuster missing damage that isn't obvious, using repair prices below what local contractors charge, treating a full roof replacement as a patch job, or applying exclusions that don't fit the facts.
Comparing the insurer's estimate line by line with an independent one usually shows where the gap is.
Should I talk to a public adjuster or a lawyer?
A public adjuster can help measure and price your loss. A lawyer can do that and also handle disputes over coverage, bad-faith conduct, appraisal, and lawsuits.
If your claim has been denied or you are stuck in a dispute, it is worth talking to a lawyer first. We're happy to tell you if a lawyer isn't what you need.
What does it cost to talk to you?
Nothing. The claim review is free and there is no obligation.
If we represent you, we work on a contingency fee: no recovery, no fee. Our fee comes out of what we recover for you, and we explain exactly how it works, in writing, before you agree to anything.
