Miami Property Insurance Claims Attorney
When Your Insurance Company Denies, Delays, or Underpays Your Claim
You purchase property insurance to protect your home or business when unexpected damage occurs. But after a hurricane, roof leak, plumbing failure, or fire, navigating the claims process can become frustrating—especially when your insurer disputes the damage or offers less than you believe your policy covers.
Nodarse Law helps Florida property owners evaluate insurance disputes and understand their options when an insurer fails to properly address a claim.
What Types of Property Insurance Claims Do We Handle?
Property insurance disputes can involve:
Hurricane and wind damage: Roof damage, broken windows, and storm-related structural damage.
Water damage: Burst pipes, plumbing leaks, and other potentially covered water losses.
Roof damage: Disputes over repairs, replacement, and the cause or extent of damage.
Fire and smoke damage: Damage to the property and its contents.
Mold-related damage: Claims involving mold associated with a potentially covered loss, subject to policy terms and exclusions.
Denied or underpaid claims: Disputes over coverage, repair estimates, or the amount paid by the insurer.
Coverage depends on the insurance policy, the cause of the damage, applicable exclusions, and the circumstances of the loss.
What If Your Insurance Claim Is Denied or Underpaid?
An insurance company's initial decision does not necessarily resolve every dispute. Depending on the circumstances, you may be able to challenge a denial, dispute an inadequate estimate, or seek additional payment for covered damage.
Evaluating a claim may involve reviewing your policy, the insurer's coverage decision, photographs, repair estimates, inspection reports, and other evidence documenting the loss.
Nodarse Law can review the circumstances, explain your legal options, and communicate with the insurer when appropriate.
What Should I Do After Property Damage?
Document the damage. Take photographs and videos before repairs when it is safe to do so.
Prevent further damage. Take reasonable steps to protect the property from additional loss and keep receipts.
Notify your insurer promptly. Follow your policy's reporting requirements and preserve copies of communications.
Keep records. Save estimates, invoices, inspection reports, receipts, and correspondence.
Review any denial or payment offer. Understand the insurer's reasoning and what the payment is intended to cover before agreeing to a settlement.
Seek legal guidance if a dispute arises. An attorney can review the policy, evidence, and available options.
Frequently Asked Questions
Can I challenge a denied property insurance claim?
Potentially. The insurer's decision should be evaluated against the policy language, the facts of the loss, and applicable Florida law. A denial is not automatically improper, but it may be open to challenge.
What if the insurance company pays less than the repair estimate?
You may be able to dispute the payment if the evidence supports additional covered damages. The policy, the insurer's estimate, and the scope of necessary repairs are important to that evaluation.
How long do I have to report property damage in Florida?
Deadlines can be strict. Under Florida Statute § 627.70132, initial and reopened property insurance claims generally must be reported within one year of the date of loss, while supplemental claims generally must be reported within 18 months, subject to statutory exceptions and requirements. Other deadlines may apply to filing a lawsuit. Do not assume that contacting the insurer alone preserves every legal right.
Contact Nodarse Law About Your Property Insurance Claim
If your property insurance claim has been denied, underpaid, or delayed, Nodarse Law can review the circumstances and help you understand your options under Florida law.
Contact Nodarse Law to discuss your property insurance dispute and determine the next steps.