Hurricanes, storms, burst pipes, and leaks can cause serious damage to your home, condo, or business. When your insurance company delays, underpays, or denies your claim, Miami property damage lawyer Tomas Robirosa can help you understand your policy, meet Florida's deadlines, and fight for a fair payment. Serving Miami-Dade, Broward, and Palm Beach counties. Se habla español.
Property Damage Claims We Handle
Property damage can disrupt your home, business, and daily life. We help homeowners, condo owners, and property owners with claims against their insurers and disputes over repairs.
- Hurricane and Storm DamageRoof, window, and interior damage from hurricanes, tropical storms, and windstorms, including wind vs. flood disputes and hurricane deductibles.
- Water DamagePlumbing leaks, burst and leaking pipes, window leaks, appliance leaks, and sewage or drain backup.
- Denied and Underpaid Insurance ClaimsChallenging denials, lowball estimates, delays, and unfair use of policy exclusions.
- Condominium DisputesDisputes with condo associations over water damage, repairs, maintenance of common elements, and insurance responsibilities.
Florida Property Insurance Rules You Should Know
- Report quicklyA new or reopened claim generally must be reported within one year after the date of loss; a supplemental claim within 18 months. Every case is different, so speak with an attorney to confirm the deadline that applies to you.
- Insurer deadlinesInsurers generally must acknowledge a claim within 7 days, inspect within 30 days of proof of loss, and pay or deny within 60 days after notice, subject to limited exceptions.
- Pre-suit noticeBefore suing a property insurer, the policyholder must generally give at least 10 business days' written notice of intent to sue.
- Protect the propertyMost policies require reasonable steps to prevent further damage. Keep receipts for emergency repairs.
How we help
We review your policy and the insurer's estimate, document the full scope of damage, communicate with the adjuster, and pursue reinspection, appraisal when the policy allows it, or litigation when necessary.
Request a free claim review or call (305) 600-0529. Información en español.
Florida Law at a Glance- Report the claim promptly: under current Florida law, a new or reopened property insurance claim generally must be reported within one year after the date of loss, and a supplemental claim within 18 months. Every case is different, so speak with an attorney to confirm the deadline that applies to you.
- Insurer deadlines: Florida law generally requires the insurer to pay or deny the claim within 60 days after receiving notice, unless factors beyond its control prevent it.
How We Handle Property Damage Claims
- Step 1Free claim reviewWe review your policy, your claim, and every letter from the insurance company, in English or Spanish.
- Step 2Documenting the damageWe gather photos, repair estimates, and independent inspections to show the full cost of the loss.
- Step 3Challenging the decisionWe respond to delays, underpayments, and denials, and send any pre-suit notice Florida law requires.
- Step 4Lawsuit if neededIf the insurer or association will not treat you fairly, we are prepared to take the case to court.
Frequently Asked Questions
Do I need a lawyer for a property damage insurance claim?
Not every claim needs a lawyer. A lawyer can help when the insurer delays, underpays, or denies a claim, disputes the cause of loss, or relies on exclusions you do not understand.
How long do I have to report property damage to my insurer in Florida?
Under current Florida law, a new or reopened property insurance claim generally must be reported within one year after the date of loss, and a supplemental claim within 18 months. Every case is different, so speak with an attorney to confirm the deadline that applies to you.
How long does my insurance company have to pay my claim?
Florida law generally requires the insurer to pay or deny a property claim within 60 days after receiving notice of the claim, subject to limited exceptions. Every case is different, so speak with an attorney to confirm how this applies to you.
Do you help condo owners?
Yes. We help condominium unit owners with property damage claims and disputes with their associations over repairs, water damage, and insurance.
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