CALL US FOR A FREE CASE REVIEW
CALL US FOR A FREE CASE REVIEW

Florida Property Damage Lawyer

From hurricane-ravaged coasts to inland neighborhoods flooded by torrential rain, Florida homeowners face some of the toughest property damage challenges in the country. And when disaster strikes, your insurance company should be there to help—not make things harder. If your claim has been delayed, denied, or underpaid, it’s time to get help from a Florida property damage lawyer who knows how to hold insurers accountable.

At Your Insurance Attorney, we represent homeowners across Florida—Miami, Orlando, Tampa, Naples, Maitland, and beyond—who are battling their insurance companies after suffering major losses. We don’t wait around for the insurer to play fair. We step in, take over the fight, and push to get you the full compensation your policy promises.

Whether your home has been damaged by:

  • Hurricanes or tropical storms
  • High winds or hail
  • Water intrusion or pipe bursts
  • Mold, fire, or electrical damage
  • Roof collapse or structural failure

We’re ready to stand by your side. We know the tactics Florida insurers use to undervalue claims, and we know how to challenge them. Don’t settle for excuses. You paid for protection—now let us help you enforce it.

Table of Contents

Why You Need a Florida Property Claim Damage Lawyer

Over $1 Billion Recovered Badge

Florida’s insurance market is one of the most complex—and adversarial—in the country. Carriers have exited the state in droves, policies have gotten narrower, and homeowners are being left to fight uphill battles for fair treatment. If your property is damaged, you’ll likely find yourself:

  • Struggling to reach your adjuster
  • Facing repeated delays and vague answers
  • Receiving an estimate that doesn’t cover actual repair costs
  • Getting blamed for “maintenance issues” instead of storm-related damage
  • Being told certain damages are excluded, even if the policy suggests otherwise

And you’re expected to handle all of this while trying to keep your family safe and your home livable.

That’s where we come in.

As Florida property damage lawyers, we handle the entire process—claim submission, documentation, negotiation, and legal action if necessary. Our team doesn’t just know the law—we understand how Florida insurers operate and how to pressure them effectively. You don’t have to accept less than you deserve. Let us protect your rights while you focus on rebuilding.

Our Approach to Florida Property Damage Claims

When you hire Your Insurance Attorney, you get more than just legal representation. You get a team that treats your case like it matters—because it does.

Here’s how we work:

  • Free consultation: We start by listening. We’ll review your policy, the damage, and where your claim stands.
  • Immediate action: If you’ve been denied or lowballed, we don’t wait. We begin assembling evidence and challenging the insurer’s decision right away.
  • Independent assessments: We work with licensed contractors, engineers, and public adjusters to get real, objective damage estimates.
  • Aggressive negotiation: Our attorneys know the deadlines and pressure points that force insurers to respond. If they don’t, we escalate.
  • No out-of-pocket cost: We work on contingency, so you pay us nothing unless we recover money for you.

We’ve represented homeowners across the state—from beach condos in Miami to single-family homes in Central Florida to retirement communities on the Gulf Coast. Every case is different. Every client matters. We don’t take shortcuts, and we don’t back down.

Where We Serve in Florida

Florida’s geography—and its extreme weather—mean that different parts of the state face very different property risks. Our team is based throughout Florida and understands how regional conditions affect claims.

Here’s where we regularly serve clients:

  • South Florida: Miami, Hialeah, Fort Lauderdale, Kendall, Coral Gables
  • Central Florida: Orlando, Maitland, Kissimmee, Sanford
  • West Florida: Tampa, St. Petersburg, Clearwater, Brandon
  • Southwest Florida: Naples, Fort Myers, Cape Coral, Bonita Springs
  • North Florida: Jacksonville, Gainesville, Tallahassee (select cases)

Whether it’s roof damage in Tampa from high winds, mold and water intrusion in Miami after summer storms, or structural damage in Naples from a recent hurricane, we’ve seen it all—and we know what it takes to win.

Our deep understanding of Florida’s weather patterns, building codes, and insurance company tactics allows us to tailor your claim strategy for the highest chance of success.

What Sets Your Insurance Attorney Apart

Not all law firms are built to handle property damage claims. Some dabble. We focus. At Your Insurance Attorney, property insurance disputes are a major part of what we do, and we take pride in fighting back when insurers don’t hold up their end of the bargain.

Here’s what makes us different:

  • We know Florida law: We keep up with every update to state insurance statutes and use them to challenge unfair practices.
  • We fight like trial attorneys: We prepare every case as if it may go to court, because sometimes that’s what it takes.
  • You get personal attention: You’re not just a case number here. We communicate often, explain your options clearly, and involve you in every step.
  • We work with the right experts: Our network of damage assessors, contractors, and estimators is all licensed and reliable.
  • We’re built for speed and strategy: Florida insurance companies use delay as a weapon. We counter that with preparation, deadlines, and pressure.

When insurance companies try to wear you down, we step up and take control of the fight. If your Florida property has been damaged, don’t wait—get legal support that’s ready to push back.

How to Properly Document Property Damage in Florida

Before you clean up, repair, or throw anything away, it’s critical to document the damage. In Florida, insurers will scrutinize every part of your claim, and without the right evidence, they may try to deny or reduce your payout.

Here’s how to protect your claim from the start:

  • Photograph everything: Start with wide shots of entire rooms or areas, then take close-ups from multiple angles. Include structural damage, water stains, cracks, broken items, and debris.
  • Take video walkthroughs: Narrate what you’re seeing and explain any details that photos might not capture (like foul smells or dangerous conditions).
  • Save before-and-after photos: If you have older photos showing your property in good condition, include them.
  • Create an inventory: List damaged personal property (TVs, appliances, furniture) with estimated values, purchase dates, and receipts if available.
  • Note the timeline: Write down when the damage occurred or was discovered, when you contacted the insurance company, and what temporary steps you took to mitigate further harm.

Proper documentation gives your Florida property damage lawyer the leverage needed to push for full compensation. If your insurer tries to claim the damage was “pre-existing” or caused by “wear and tear,” the right evidence can shut those arguments down fast.

Common Reasons Florida Insurance Claims Get Denied or Underpaid

Even when Florida homeowners follow the rules, insurance companies often find ways to reduce payouts—or avoid them entirely. Understanding the most common reasons for denial can help you prepare, avoid pitfalls, and respond effectively if it happens to you.

Here are some of the most common excuses we see:

  • “Pre-existing damage”: Insurers may claim your roof, plumbing, or foundation issues were not caused by a recent event, but by long-term neglect or previous wear.
  • “Insufficient documentation”: If you didn’t provide detailed photos, estimates, or timelines, they may say the damage isn’t provable.
  • “Non-covered peril”: Some policies exclude certain types of damage (like mold or floodwater) unless specific endorsements were purchased.
  • “Failure to mitigate”: If you didn’t take action to stop further damage—like putting up a tarp or shutting off a leaking pipe—they might reduce or deny your claim.
  • Policy language confusion: Many insurers rely on vague or technical policy terms to justify low offers or exclusions.

We don’t just know these tactics—we challenge them every day. If you believe your claim was wrongly denied or undervalued, Your Insurance Attorney can investigate and hold your insurer to their obligations.

Florida’s Property Insurance Deadlines: What You Need to Know

Missing a deadline in Florida can cost you your entire claim. Florida’s property insurance laws are strict, and the burden is on the homeowner to meet all timelines—even when they’re displaced or overwhelmed after a disaster.

Here are the most important deadlines you should know:

  • Initial claim filing: You must notify your insurer within 1 year of discovering the damage.
  • Supplemental claims: If new damage is discovered or costs increase, you must file within 18 months of the original loss date.
  • Insurer response time: Insurance companies must respond within 14 days of your notice and make a coverage decision within 60 days after receiving proof-of-loss documentation.
  • Lawsuit deadline: If you’re forced to take legal action, you generally have 5 years from the date the insurance company breached the contract (e.g., denied or underpaid your claim).

Don’t leave these deadlines to chance. A Florida property damage lawyer from our team can manage all timelines, file everything properly, and ensure you don’t lose your right to full compensation.

What If You Already Made Repairs or Threw Damaged Items Away?

Life after a property disaster is chaotic. Sometimes homeowners rush to clean up, make urgent repairs, or throw away soaked furniture or debris before documenting everything. If that happened to you, don’t panic—you may still have options.

Here’s how we help clients in this situation:

  • Contractor reports: We work with professionals who can provide repair summaries and estimated damage descriptions even after work is done.
  • Receipts and invoices: Any documents showing what you spent on repairs or replacements can help reconstruct your claim.
  • Witness statements: Neighbors, family, or contractors who saw the damage before cleanup may be able to provide written support.
  • Historic photos: Even photos from social media or old listings can help demonstrate your home’s condition before the loss.

It’s always better to document before repairs, but if you didn’t, that doesn’t mean your claim is dead. Talk to Your Insurance Attorney. We’ll evaluate what’s still possible and build the strongest case based on the evidence you do have.

Get a Florida Property Damage Lawyer on Your Side Today

When your home is damaged, you need answers—fast. You need someone who understands Florida’s laws, insurance company tactics, and what it takes to protect your rights. That’s where we come in.

At Your Insurance Attorney, we’ve helped countless Florida homeowners across Miami, Orlando, Tampa, Naples, and beyond fight back against unfair claim denials and lowball offers. 

We don’t just file forms. We build real cases. We challenge every excuse. And we don’t stop until you get the compensation your home—and your family—deserve.

We offer:

  • Free consultations
  • No fee unless we win
  • Personalized attention and updates
  • Statewide representation across Florida

Call us today to speak with a Florida property damage lawyer who will stand up for you.

Miami: (888) 570-5677
Orlando: (888) 423-5677

Justice for you—that’s what we do.

Frequently Asked Questions

You must notify your insurer within 1 year of discovering the damage and file any supplemental claims within 18 months.

Not always, but if you’re getting vague answers, low estimates, or unexplained delays, a Florida property damage lawyer can pressure them to move quickly and fairly.

You don’t have to. We work on contingency, which means you pay nothing unless we recover money for you.

Usually yes, but deductibles for hurricane damage are higher, and some policies may exclude certain related issues like flooding or mold unless additional coverage was purchased.

We serve clients statewide, including Miami, Maitland, Orlando, Tampa, St. Petersburg, Naples, Fort Myers, and surrounding regions.

Your Insurance Attorney - Miami Office

2601 South Bayshore Drive 5th Floor
Miami, FL 33133
Ph: 888-570-5677

Client Testimonials

Champ Crawford
I had the pleasure of working with Attorney Braddy on a complicated legal matter, and I can confidently say that he exceeded all my expectations. From the very beginning, Braddy demonstrated a deep understanding of insurance law and a genuine commitment to achieving the best outcome for me.He took the time to explain every step of the process, ensuring I felt informed and comfortable throughout.
Ajani Booth
Definitely one of the best experiences with an attorney that I've had in a long while. Took what I thought was a complicated case & simplified it for me. Got what I needed in the end + then some. Would recommend to anyone!
Jason Allard
Brian Braddy is a phenomenal attorney who led me through the entire process of my case. He was very knowledgeable, responsiveness, and caring during my time of need. 10/10 recommendation!
Jermaine Cooksey
I have always had a wonderful experience with everyone that I have had an interaction with at this firm.

We don’t get paid unless you do.

Marcos Ramirez
I was involved in a car accident and Zachary Doniger represented me and did a great job settling my claim. He is extremely knowledgeable and has great communication skills. I wouldn't recommend any other firm to go to if you are involved in an accident. Overall amazing.
Stephen Chaikin
Absolutely the best law firm my son got into 2 car accidents amazing results 5 STARS !! ASK fort Carla she’s a super star
Tati Properties
Zach Doniger was my insurance attorney after my car accident, the firm handled my case very professionally with excellent communication throughout the process. I highly recommend them!
Pat C
I highly recommend Zachary Doniger as your personal injury attorney. I was involved in a car accident for the first time and I was not at fault. Zach and the rest of the team eased my mind, guided me and answered my questions about the whole process. They keep you updated and promptly respond to you . Definitely great customer service and professionalism. . I am also very happy with the settlement I got, thanks to his outstanding negotiation skills I got a great offer from the insurance company.
Claudia Diaz
Dayana Rodriguez helped me with my case in a car accident against United auto insurance, Stephanie Cabrera was my attorney. Thank you!
Marcos Ramirez
I was involved in a car accident and Zachary Doniger represented me and did a great job settling my claim. He is extremely knowledgeable and has great communication skills. I wouldn't recommend any other firm to go to if you are involved in an accident. Overall amazing.
Stephen Chaikin
Absolutely the best law firm my son got into 2 car accidents amazing results 5 STARS !! ASK fort Carla she’s a super star
Tati Properties
Zach Doniger was my insurance attorney after my car accident, the firm handled my case very professionally with excellent communication throughout the process. I highly recommend them!
Pat C
I highly recommend Zachary Doniger as your personal injury attorney. I was involved in a car accident for the first time and I was not at fault. Zach and the rest of the team eased my mind, guided me and answered my questions about the whole process. They keep you updated and promptly respond to you . Definitely great customer service and professionalism. . I am also very happy with the settlement I got, thanks to his outstanding negotiation skills I got a great offer from the insurance company.
Claudia Diaz
Dayana Rodriguez helped me with my case in a car accident against United auto insurance, Stephanie Cabrera was my attorney. Thank you!
Don’t settle for a lowball amount or suffer in silence when an insurance company denies your claim. We can review your case for free and we don’t take a penny unless we win.

#FearTheBeard ™

FAQ

You handle personal injury,
property damage, and health
claims. How do you do it all?

What does “we don’t get
paid until you do” mean?

Why should people speak
with YIA first before calling
their insurance company?

AS SEEN ON...

As Seen On Logos
as seen on networks