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Miami Beach · Denied insurance claims
Help for Miami Beach homeowners and condo owners whose property insurance claim was denied, delayed or underpaid.
A denial letter, or a check that covers a fraction of the repairs, is not always the insurer's last word. Tomas Robirosa is a Miami Beach insurance claim lawyer who reviews denied and underpaid property claims for homes and condo units, in English or Spanish.
The reasons tend to repeat, and many tie to how and where people live here. Miami Beach has a large stock of older buildings, from the Art Deco district built between 1923 and 1943 to the mid-century towers along Collins Avenue and in North Beach. It is also low, with tidal flooding during king tides. Insurers use those facts in their letters.
A denial letter should name the policy language the insurer relies on. Get a full, certified copy of the policy and compare. Exclusions often have exceptions, and the cause the insurer chose is not always the right one. Keep your photos, repair invoices and every email with the adjuster.
Underpaid claims often come down to the estimate. An adjuster may price only the stained part of a ceiling, skip the matching flooring in the next room, or leave out code upgrades an older Miami Beach building may need during repairs. A written estimate from your own contractor gives you something concrete to compare.
Under Florida Statute 627.70132, notice of a new or reopened property claim is generally due within one year after the date of loss, and a supplemental claim within 18 months. Policies add their own conditions, and both are generally applied strictly. Every case is different, so speak with an attorney to confirm the deadline that applies to you.
Tomas reviews the denial, the estimate and the policy, and explains whether the claim can be reopened, supplemented or challenged. Read more about denied insurance claims in Florida, see our Miami Beach page, or call (305) 600-0529 for a free review.
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Your Attorney
Tomas Robirosa is the founding attorney of Robirosa Accident & Injury Law. He built his practice around careful preparation and personal attention: when you hire the firm, you talk to your lawyer, in English or Spanish, and you always know where your case stands.
He graduated cum laude from Nova Southeastern University’s Shepard Broad College of Law, is a Florida Supreme Court Certified Circuit Civil Mediator, and is admitted to practice in Florida state courts and the U.S. District Court for the Southern District of Florida.
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