Some homeowner claims settle amicably. Many do not. The claim may be denied outright, or you may reach an impasse with the adjuster over what the policy covers and what the damage is worth. Negotiating a claim's value and interpreting coverage language is typically beyond the average homeowner's expertise.
Robert J. Lee has experience litigating property damage cases for homeowners unable to recover unpaid benefits. From start to finish, we work closely with you and your insurance representatives to make sure the claim is handled fairly.
How we help
- Review your policy and explain what it actually covers
- Document the damage with photographs, estimates, and expert inspections
- Challenge low-ball offers and wrongful denials
- Advise whether appraisal, mediation, or litigation is the right path
- File suit when needed to put real pressure on the carrier
Claims we handle
Hurricane and wind damage, roof leaks, plumbing and water damage, mold, fire and smoke, theft and vandalism, sinkhole and foundation issues.
Do not settle for a low offer
Signing a settlement release ends your right to collect on that claim in the future. Keep notes of every conversation, photograph damage and repairs in progress, and speak with an attorney before you accept. When carriers learn a policyholder is represented, they tend to take a second look.
Frequently asked questions
How long does an insurance company have to settle a claim in Florida?
Florida law generally requires a property insurer to pay or deny a claim within 60 days after receiving notice, with limited exceptions. Missing that deadline can expose the insurer to interest and other consequences.
What if I already accepted a partial payment?
Accepting an undisputed partial payment usually does not waive your right to pursue the rest of the claim unless you signed a release. Bring us the paperwork and we will tell you where you stand.
Is there a deadline to report hurricane damage?
Yes. Florida currently requires notice of a new property claim within one year of the date of loss, and supplemental or reopened claims within 18 months. Report promptly and keep proof of your notice.
