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Property Damage Claims
We help Florida property owners and renters recover fair compensation on new, denied, and underpaid insurance claims.
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Florida Property Damage and Insurance Claim Attorneys
When your home or business is damaged, your insurance company is supposed to put you back in the position you were in before the loss, paying to repair the structure, replace destroyed belongings, and cover your additional living expenses. Too often, Florida insurers deny valid claims, underpay the true cost of repairs, or delay for months. Jimenez Legal levels the playing field, fighting for the full recovery your policy promises on new, denied, delayed, and underpaid property claims.
Our practice covers the full range of Florida property losses. We handle hurricane, tropical storm, tornado, hail, and fire claims, as well as water losses from plumbing, appliance, and roof leaks, plus mold, roof damage and replacement, theft, and vandalism. We represent homeowners on home insurance claims, businesses on commercial property claims, and boards on condo and HOA association claims.
We also recover the coverages insurers most often overlook, including additional living expenses, lost rental income, debris removal, and emergency mitigation costs. If your loss was caused by someone else, a contractor, a company, a neighbor, or an HOA, we pursue the responsible party as well.
Florida law sets strict deadlines for reporting storm and windstorm claims, and the Florida Department of Financial Services offers a consumer mediation program for disputed claims. The sooner you involve an attorney, the more leverage you keep. See our case results, learn about Attorney Edward G. Jimenez, and request a free consultation by calling (321) 465-3425.
Client Reviews
Why Insurers Deny and Underpay
Insurance companies are businesses, and every dollar they do not pay is a dollar they keep. They reduce property claims by blaming damage on wear and tear, applying exclusions broadly, writing estimates that omit necessary repairs, over-depreciating belongings, and delaying to pressure a quick, low settlement. Recognizing these tactics is the first step to defeating them, and it is what we do every day for Florida policyholders.
How We Build Your Claim
We start by reading your entire policy, not just the declarations page, to identify every coverage available. We then document the full scope of loss with our own inspections and experts, prepare a detailed estimate, and present a well-supported demand. When the insurer still will not pay fairly, we are prepared to invoke appraisal, pursue the statutory remedies Florida provides, and litigate. Most property cases are handled on a contingency basis, so there is no upfront cost to you.
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Losses We Handle
From single-family homes and condominiums to apartments, rentals, and commercial buildings, we handle residential and commercial property claims of every size. That includes complex matters such as water-damage caps, roof-age and actual-cash-value endorsements, matching disputes, ordinance-or-law and code-upgrade costs, business interruption, and bad-faith conduct. Whatever the peril and whatever the property, our focus is the same: the full, fair recovery you are owed.
Frequently Asked Questions
We handle hurricane, storm, fire, water, plumbing, mold, theft, and vandalism claims for homes, condos, rentals, and businesses across Florida.
Often yes. Many denials are based on misapplied exclusions or incomplete inspections and can be challenged or reopened.
Underpaid and closed claims can frequently be supplemented or disputed when the original estimate missed damage or applied improper depreciation.
Property damage claims are typically handled on a contingency basis, so you generally pay no upfront fees and we are paid from the recovery.
Florida sets strict deadlines, generally one year from the date of loss for new hurricane and windstorm claims, so contact us promptly.
Need Legal Services? Call us now!
Give us a call today and let us help you with what we do best
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