Florida Home Insurance Law

Helping Florida Policyholders with all Types of Property Insurance Claims

Insurance Litigation Group is a Florida-based law firm representing policyholders involved in property and casualty insurance claims disputes in Florida. With experience based on years in public adjusting and courtroom litigation, our attorneys are well-equipped to take on any type of claim and dispute and work to resolve it quickly and effectively. When experience and rapid results matter, think ILG.

Our practice encompasses all manner of residential and commercial claims, including:

  • Water Damage
  • Wind Damage
  • Smoke and Fire Damage
  • Mold
  • Lightning
  • Hail
  • Hurricanes
  • Floods
  • Theft
  • Vandalism

Often there may be more than one cause of property damage, with some causes covered by insurance and others not, creating the groundwork for confusion and claims denials. For instance, was water damage on a premises caused by wind-driven rain, a storm surge or flooding, or even due to fire suppression after a fire? In the case of a fire, are the cause and origin disputed? How will the insurer handle interior water damage blamed on a leaky roof? Can the presence of mold be linked to a covered event? Should mold be suspected following water intrusion, whether it is visible or not? The questions that arise and provide grounds for dispute are seemingly endless and can come up in any type of claim.

Common bases for insurance disputes include the following:

Policy exclusions – Complex litigation is often required to resolve coverage questions, such as whether a given clause represents an exclusion or a limitation of coverage.

Wear and tear – Thorough investigation and the use of expert opinions may be needed to determine whether the source of damage is a sudden and accidental event or the result of long-term neglect.

Pre-existing damage – Was water damage due to a leak made worse because of the property owner’s failure to remedy, or was it impossible to know of the leak until the damage became apparent?

Rescission – Insurers may evade their responsibilities by claiming unpaid premiums or application errors on the part of the insured, or failure to comply with the insured’s duties in the event of loss. Are these allegations true and reasonable, or merely pretexts to avoid liability?

At Insurance Litigation Group, we take the time to analyze and interpret your policy and understand the full measure of damages available to you. In the event of a total loss, you are entitled to the full value of your policy under Florida’s valued policy law. Insurance companies may fight against a declaration of total loss and argue that you are able to rebuild. We work with construction experts, and others to determine the facts and argue for total loss payments in appropriate cases. In anything less than a total loss, you may be entitled to a wide range of benefits including for example:

  • Damage to real and personal property
  • Related loss of income
  • Living expenses
  • Relocation expenses
  • Loss of rental income
  • Business interruption

Act Quickly to Resolve Insurance Disputes

Not only is it important to move quickly on your claim so that you can receive your benefits sooner; it is also essential to protect your rights. Many insurance policies contain a suit limitation clause, imposing a limited time frame within which to bring a lawsuit against the insurer in the event of a dispute. You may not be aware of this clause, but your insurance carrier is, and they may delay and drag out your claim past this deadline before you realize what is happening.

Contact an experienced insurance claims lawyer as soon as possible to secure your claim and work toward prompt, effective results. In Florida, call Insurance Litigation Group at 786-529-0090 for a free consultation.

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