EN
Free Consultation — Talk to a Florida Lawyer TodayNo fee unless we recoverHablamos españolAvailable 24/7
5.0Google Reviews
CALL 24/7(305) 600-0529WhatsApp UsText us now, tap to chat
EN
EN
Miami Beach · Hurricane & storm damage
Help with hurricane and storm damage claims for Miami Beach homes, condo units and buildings.
Miami Beach sits on barrier islands between the Atlantic Ocean and Biscayne Bay, so wind and rain reach it first. When a storm damages your house, your condo unit or your building, the insurance claim decides how the repairs get paid. Tomas Robirosa is a Miami Beach hurricane damage lawyer who helps homeowners and condo owners with those claims, in English or Spanish, from his Miami Beach office.
The city averages about 4.4 feet above sea level, and large parts of it, including several of the bay islands, were built on fill dredged from Biscayne Bay in the 1920s. The 1926 Miami hurricane did heavy damage here. Later storms, including Wilma in 2005 and Irma in 2017, brought their effects to the area without a direct hit.
Many buildings are old. The Art Deco district has hundreds of hotels and apartment buildings built between 1923 and 1943, and North Beach has a large group of mid-century buildings. Older roofs, windows and stucco can let water in during a storm in ways that do not show up for weeks.
Most storm claims start with one of these problems:
Insurers often answer that the damage is old wear and tear, or that the water came from flooding rather than wind. That difference matters. The City of Miami Beach reminds residents that flood damage is generally not covered by a standard homeowners policy and needs separate flood insurance. Wind and wind-driven rain are generally handled under the property policy, subject to the hurricane deductible and the exclusions. Sorting out what caused each part of the damage is often the center of the claim.
Florida law sets short notice periods for property insurance claims. Under Florida Statute 627.70132, notice of a new or reopened claim generally must be given within one year after the date of loss, and notice of a supplemental claim within 18 months. For a hurricane, the date of loss is generally the date the storm made landfall. Your policy has its own notice and proof-of-loss conditions too, and insurers generally enforce them strictly. Every case is different, so speak with an attorney to confirm the deadline that applies to you.
Take photos and video before cleanup, keep a few pieces of the damaged material, and save receipts for tarps, fans and temporary repairs. Ask the insurer for a full copy of your policy, including the declarations page, and write down every call with the adjuster.
Tomas reviews the policy, the adjuster's estimate and any denial letter, and compares them with the actual damage. If the payment is short or the claim was denied, he explains your options in plain terms. You can read more about hurricane damage claims in Florida or see how we help residents on our Miami Beach page. Call (305) 600-0529 for a free review.
Prefer to talk to a lawyer now?
Call (305) 600-0529Se habla español · Available 24/7
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.
Recognition & memberships
Real reviews from real clients on Google.
Tell us what happened. We’ll explain your options in English or Spanish, with no obligation.
