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What You Can Do To Make Your Insurance Take Responsibility

When you buy homeowners insurance, you are buying the peace of mind that if tragedy should strike your home, you won’t have anything to worry about.

Unfortunately, insurance companies often do not have your best interests at heart when evaluating your property damage. As a result, many legitimate property damage claims are improperly assessed, which results in denials, underpayments and below deductible determinations.

Property Litigation Group represents property owners who believe the insurance company did not properly assess their property damage claim.

Ruined house on the beach after a storm due to strong waves

We Advocate for Homeowners

Are you facing the following types of damages?
Roof leakage, water dameged ceiling roof and stain on ceiling

Pipe and Roof Leak Damage

flood waters overtake a town in Florida

Flood and Water Damage

Smoke and fire damage

Fire and Smoke Damage

Mold, wall, cellar, brown cellar sponge, fungus, damage,

Mold Damage

Aerial view on damaged red single house roof after strong wind or explosion. Hole in the rooftop and floor. Rubble on the ground.

Storm and Hurricane Damage

We also know how to fight for you so that you can receive those funds. If you feel that your insurance has rejected, postponed or challenged your claim for damages in an unfair way, you may have a case to dispute their actions.

Let's Make Sure Your Needs Are Met

Tree Limbs Broken Down by the Side of the Road

When it comes to business practices, insurance companies are for-profit businesses, which is why their goal is always to make sure they save as much money as possible.

The for-profit business model results in insurance companies looking to pay as little as possible for your damages, rather than paying you what you deserve. What’s worse, the insurance company will often have a team of lawyers, adjusters, contractors and engineers all working for the insurance company justifying their actions.

For these reasons it is imperative that property owners retain the help of an insurance attorney to ensure that the insurance company acted in good faith in reaching its decision about your property damage. . These are all examples in which our law firm can help you.

Types of Claims

What Can You Do After Becoming A Victim Of A Roof Or Pipe Leak

Roof and pipe leak damage in your home can cause significant property damage. Water is absorbed by drywall, wood and other building material resulting in deterioration and mold. Often, insurance companies review only surface damage and neglect damage present behind drywall, cabinets, flooring and other building material. A forensic review of all damaged areas is necessary to ensure that all damage is appropriately accounted for. It is your insurance company’s responsibility to investigate all relevant damage. Our team will evaluate whether the insurance company complied with its responsibility to consider all relevant damages and represent you against your insurance company if they failed to do so.

Heavy rain and wind is a natural part of Florida weather, and the damage water and wind can do to your roof may cause it to become structurally unstable, and even cause fires if it reaches electrical wiring. This damage doesn’t just pose risk to the structural integrity to your home, but threatens your and your family’s health as well. Unchecked leaks can become a breeding ground for mold that can make its way into your ventilation system, walls and carpets. People don’t often realize that a leak in their roof or pipes can make their entire home uninhabitable.

Make Sure That Your Insurance Company Gives You What You Deserve

The main goal of any business, insurance companies included, is to profit as much as possible from their business. Because of this, when your insurance company needs to cover the damages of an unnoticed leak in your home, they will often try to pay as little as possible for your damages, even if it is less than what you deserve for your damages.

If you feel that your insurance is being unfair with your damage claim, you need an attorney who can fight for what the insurance company owes you. Property Litigation Group knows how to make sure that your insurance isn’t cutting corners with your needs. If you have experienced a leak in your home, get a lawyer to make sure you get what you deserve.

Take Action Today

Reach out to us right away for a comprehensive coverage analysis and free damage evaluation. We can discover the underlying cause of damage and take immediate measures to prevent further mold and water damage to your home. We serve the Miami area and all of South Florida. Contact us at 305-506-4746 to begin recovering your losses today.

Your Mold Damage May Not Be Covered By Your Insurance

Hearing your home has mold damage is a frustrating experience. Mold begins to visibly appear on surfaces within 24-72 hours of water exposure. A small water leak inside a wall or a roof can lead to major mold infestation and property damage. The full extent of the damage can be unclear until further investigation, and your homeowners insurance may not give you the coverage you expect.

At Property Litigation Group, we understand your frustrations and are available to make the insurance claims process simple and beneficial to you.

Are You Covered For Mold?

Certain “all risk” homeowners insurance policies may cover mold damage if the mold growth is a direct result of a covered peril, such as water damage. Other policies, such as “named peril,” may have mold exclusions that will leave you with the entire bill for repairs. Mold coverage depends entirely on the event that caused the mold. That is why it is important to focus on how the mold began to grow, as opposed to the mold itself. Homeowners often report the presence of mold alone to their insurance companies, which is a mistake. Mold is almost always excluded, unless it was caused by a covered cause of loss. An experienced attorney can evaluate your policy and property damage in order to ensure that mold damage is correctly reported, evaluated and compensated.

Unfortunately, in many cases, your insurance company will not check for mold.

What To Expect After Finding Mold Damage

Be sure to have a professional mold assessment company document that you do in fact have mold. They also must document that the mold resulted from the property damage you incurred.

Once Mold is confirmed, it is important that property owners retain the services of a mold remediation company in order to stop the spread of additional mold and to remove any existing mold.

Mold remediation work can be very costly. However, most homeowner insurance policies provide coverage for mold removal. Therefore, it is important that you provide the proper reports your insurance company requires. If you do not, they will not pay for your mold claim. Repairs can take time and displace you from your home — understanding your options during mold remediation is essential.

Help For Denied Claims

If your insurance company is denying your mold insurance claim, whether you are a homeowner or remediation company, contact Property Litigation Group today.

We offer Miami, Florida residents free attorney consultations and free site inspections. Call 305-506-4746 today or use the online form to set up your appointment.

We Can Inspect Your Water And Flood Damage For Your Claim

Water damage can come as a result of a leaking roof, a pipe burst or external factors such as storms or floods. Whether you see it or not, water continues to seep downward into the lowest recesses of a building. Then, through a phenomenon called osmotic pressure, water can also get absorbed and climb walls and furniture.

Property Litigation Group can help you understand the extent of the damage to your home and exactly what your homeowners insurance policy will cover. 

Are You Covered For Mold?

Certain “all risk” homeowners insurance policies may cover mold damage if the mold growth is a direct result of a covered peril, such as water damage. Other policies, such as “named peril,” may have mold exclusions that will leave you with the entire bill for repairs. Mold coverage depends entirely on the event that caused the mold. That is why it is important to focus on how the mold began to grow, as opposed to the mold itself. Homeowners often report the presence of mold alone to their insurance companies, which is a mistake. Mold is almost always excluded, unless it was caused by a covered cause of loss. An experienced attorney can evaluate your policy and property damage in order to ensure that mold damage is correctly reported, evaluated and compensated.

Unfortunately, in many cases, your insurance company will not check for mold.

Working With Insurance Companies

The cause and extent of the water damage need to be clearly defined in your claim. Unfortunately, you may discover that your insurance policy may not cover all types of water damage.

Additionally, many insurance providers have steadily declined coverage on water damage claims over the years. Understanding the nuances of your water damage and policy is essential to get you the repairs you deserve — and not out of your own pocket.

One key differentiation in these insurance claim cases is determining water damage versus flood damage. A typical homeowner insurance policy will specifically dictate that water which causes damage to a home prior to coming into contact with the ground is not to be considered flood water. This differentiation can largely affect your claim’s coverage.

Property Litigation Group Takes Immediate Action

We take important and urgent steps to prevent further damage to your home and your claim. We know firsthand that unchecked water damage can quickly manifest into mold, requiring expensive repairs.

Furthermore, the insurance company may claim that you neglected to protect your property and refuse to cover the costs. We will refer the appropriate mitigation teams who can step in with protective measures to reduce the chances of this happening.

If your insurance company is denying your water insurance claim, whether you are a homeowner or remediation company, contact Property Litigation Group today. We serve residents of South Florida from our office location in Miami.

Call 305-506-4746 for a free consultation with an attorney or free site visit, or schedule using our simple online form.

Have You Faced Fire Or Smoke Damage To Your Home?

Facing a fire at home or enduring serious smoke damage is a frightening time for you and your family. Your property can be significantly damaged, and fire or heat absorption can significantly impact the structural integrity of buildings. Adding to the threat is an often-underestimated threat of lasting smoke damage.

At Property Litigation Group, we understand the tumultuous aftershock that a fire can cause. From clothing to appliances to irreplaceable memories, all can potentially be lost in a fire. The stress only increases when a valid insurance claim is denied, delayed or underpaid.

Understanding The Scope Of Fire And Smoke Damage

A fire in one room can damage belonging and surfaces throughout the entire property and cause odors that may last for years. 

Most of the time, fires can be detected on time thanks to state-of-the-art fire alarm systems; however, the smoke damage is evident and needs to be addressed as soon as possible to avoid further damage.

Unfounded Claims Of Arson

A very common excuse that insurance companies tend to make is the accusation of arson. In the case of arson, fire damage would not be covered under the insurance policy. This burden of proof lies entirely in the hands of the insurance company.

If there is instance of a claim denial without factual evidence, the insurance company could be in violation.

Let Us Help You And Your Home

Property Litigation Group represents policyholders who have diligently paid their costly insurance premiums with the expectation of coverage. Additionally, we represent remediation companies that have promptly responded to provide emergency services and have proper assignment of benefits, and yet are denied payment by the insurance company.

Please contact Property Litigation Group in Miami, Florida, as soon as possible to discuss your claim with a lawyer. The sooner you act, the easier we can conduct a free site visit.

We also offer free consultations on your case by calling 305-506-4746 or using our online contact form.

Beginning Your Recovery From Hurricane Or Storm Damages

You pay your insurance premiums every month, and you may have never needed to file a claim before. When your home suffers catastrophic damages in a matter of minutes during a hurricane or massive storm, the last thing you want to do is fight your insurance company to make it do its job.

Unfortunately, it is all too common for insurance companies to delay, underpay or unfairly deny hurricane insurance claims. 

What Happens After The Storm

Hurricane Irma affected over six million people in a matter of days. Because of that damage, thousands of victims filed insurance claims in Florida alone. Most insurance companies address filed claims in a “first-come, first-served” manner. When filing your claim, it is important to keep in constant touch with your insurance provider and get regular updates to your claim.

During the claims process, your provider will likely send an adjuster to evaluate the damages your home sustained and estimate the claim. This is one of the most crucial steps in the claims process, as it will largely impact the amount of funds offered to you. This is where Property Litigation Group can help you. Our lawyers can act as watchdogs to not only make sure your insurance is doing its job but to also make sure that they are paying for all damages covered under your policy.

You Are Not Alone In Your Recovery

The attorneys of Property Litigation Group know that the weeks after a hurricane are some of the most critical and stressful days of your life. We also know that you shouldn’t go through them alone.

If you are trying to receive funds from your insurance company for hurricane or storm damages, get the help you deserve. If you are in the Miami area, contact us at 305-506-4746 for a free consultation today.

Hurricane Insurance Claim FAQ

No one can truly prepare for the devastation of a hurricane strike. After it passes, your insurance might not be providing you with the coverage you deserve. If you feel as though your insurance provider underpaid you, or denied your hurricane insurance claim wrongfully, you are not out of options. Read our FAQ to get answers to your initial questions and contact Property Litigation Group for help pursuing rightful compensation.

There are several steps that you can take if your insurance provider denied you claim for damage. The first step you need to take is to confirm why they denied your claim. Once they have given you an explanation, review your insurance policy.

It is important to remember that the people at your insurance company are just like anyone else, and they can make mistakes too. Review your insurance policy and confirm if your most recent insurance policy permits their reason for denying your claim. During this process, you should document everything. Generating a paper trail can be a massive aid to your efforts. If you don’t agree with the original insurance inspector’s findings, you can request a second independent inspection. This is a good example of why you need to make sure nothing tampers with your home damages after a storm. Our attorneys can guide you through this process, with thorough coverage analysis and damage inspection.

If you feel that your insurance company is offering you too little for your losses, the first thing you should know is that you do not have to accept their first offer. Considering any business’s primary goal is to make money, it would only make sense that your insurance company would offer you as little as possible for your damages.

If you aren’t satisfied with what your insurance company is doing, reach out to our property insurance litigation lawyers.Never agree to sign a release in exchange for an initial payment without the advice of an experienced attorney.

If you have accepted a settlement that wasn’t sufficient, our attorneys may be able to reopen your claim, and help you receive a fair payout. This process can be complex, and you will likely need an experienced attorney who can help you navigate the bureaucratic maze ahead of you.

Property Insurance Claims

There is a lot you must do to obtain rightful coverage after experiencing a hurricane or another type of property damage. It is important to know the steps of a property insurance claim.

The attorneys of Property Litigation Group have listed below some of the first measures you can take:

  1. Document everything. Once you are certain there is no major structural damage or live wires in your home, thoroughly photograph all the damage your property received. You will likely only be able to capture the surface damages, and you will need a professional to come in and document the water damage with thermal imaging and moisture analysis.
  2. Call your insurance provider. Keeping open communications with your insurance company is critical to receiving a fair payment for your damages. In the initial call, vividly describe the damages to your home, and offer to send them pictures. This can improve the chances that they fairly assess the damage.
  3. Let the insurance adjuster evaluate the damages. Once your insurance provider is aware of the major damages to your home, they will send an insurance adjuster to your home to evaluate the damages firsthand. It is important to be present for this evaluation so that you can help the adjuster make sure they do not overlook any hidden damage.
  4. Get an independent analysis of the damage. Once your insurance has done an inspection, get an experienced inspector to review the damages as well. At Property Litigation Group, we have a skilled team to fully evaluate home damage. Having a second inspection gives you a cost assessment of your damages and can help make sure your insurance properly covers your damages.
  5. Know what comes next. After a major Florida hurricane or storm, your insurance company will likely be busy with an influx of claims, but that does not excuse them from helping you in a timely manner. Your insurance company needs to respond and schedule an inspection of your home within 20 days from the time you give notice about your damages. Your insurance company also needs to finish their adjustment within 90 days of the report date as well.
  6. Get the payment you deserve. If you feel that your insurance provider is trying to delay, underpay or unfairly deny coverage for your damages, you still have options. We will fight for the payment you deserve.

Don’t Wait To Contact Us For Help

If you are in South Florida, contact Miami-based Property Litigation Group at 305-506-4746 for a free consultation with a lawyer to determine what your options are today.

Effective Steps To Communicate With Your Insurance Company

You want your insurance company to work hard for you, but that doesn’t always happen by itself. If you are in the process of filing an insurance claim, we here at Property Litigation Group can guide you through the process. We want you to know there are some measures you can take to help things go smoothly.

The first thing you can do is continually touch base with your insurer. Calling in every few days to check on the status of your claim helps keep matters on course. This will also grant opportunities to provide anything that your insurer needs, without having to wait for them to ask for it. It is important to document any of your conversations and their outcomes, as this will prove your efforts if they attempt to delay your claim.

How To Stand Your Ground Against Your Insurer

If things are not going how you hoped, if the process is taking longer than you imagined, or if your insurer isn’t offering a fair payout for your damages, do not be afraid to voice your concerns. There are times where speaking out can fix these issues. If you aren’t making progress with your representative, ask for a supervisor. It is beneficial to remain calm and polite. Ultimately, you may need an attorney to help you obtain the compensation you are owed.

Basic Strategy Tips For The Policyholder

With most insurance policies, you need to report a loss within 60 to 90 days, and up to a year for damages. The sooner the better. Delaying the reporting of a claim can serve as the basis for a denial of coverage. During your claims process, if your insurer presents you with a release, do not sign it without having an attorney review it first. Releases often remove the burden of responsibility from the insurer, leaving you with most of the bill. Remember, insurers will likely lowball you with their first offer. We can help you negotiate for a fair amount.

You Do Not Have To Face This Alone

If you feel uncomfortable with the claims process, call a lawyer. Property Litigation Group knows how to make sure your insurer treats you right. Our Miami-based firm serves all of Florida. Contact us at 305-506-4746 for a free consultation and begin your strategy today.

Know These Common Insurance Company Tactics

You might have been a loyal customer of your insurance provider for years, never failing to make monthly payments. Unfortunately, loyalty doesn’t ensure that your insurance is going to give you a fair payment for your property damages. Some insurance companies use known tactics to pay customers as little as possible. Florida storms will likely cause you to need your insurance someday. We at Property Litigation Group want you to know what to look out for when filing a claim with your insurance. Know these common insurance company tactics and how we can fight them:

  • Delay your payment for as long as possible. Your insurance might try to delay your payment so you are more willing to accept a smaller settlement. Allowing our team to make a full evaluation of your claim early will help you make sure that you get a fair offer. As long as you cooperate with the carrier’s investigation, the insurance company should be issuing payment for covered damages within 90 days of reporting the claim.
  • Claim some of the damages are a result of your neglect. Every insurance policy requires homeowners to protect their home from additional damage following a loss. In certain situations, a mitigation company may be necessary to protect your home from additional damage, such as mold, deterioration or additional water intrusion. Property Litigation Group will evaluate the circumstances of your damage and refer the necessary mitigators to ensure your compliance with policy conditions. Often, unaware homeowners will rely on the insurance company too much and fail to take any independent steps to protect the home. This may result in a denial of coverage due to neglect.
  • Some of the damage is due to wear and tear. It is common for insurance companies to try to avoid paying for some damages by saying the damages are pre-existing or caused by wear and tear. Wear and tear is an extremely broad exclusion because all property has some form of wear and tear. Property owners must be vigilant to ensure that insurance companies do not take advantage of the ambiguous nature of the wear and tear exclusion. If your claim was denied because of wear and tear, contact Property Litigation Group for a case evaluation.
  • They might ask you to sign a release. A release might free your insurance from any liability to pay for damages. You should never sign a contract without an attorney present.
  • Blame damage on something not covered in your policy. . Often, an insurance company will claim that the water damages you received are a result of flood damage, which most insurance rarely covers. This can result in devalued or denied claims. Homeowners must be vigilant and seek an independent analysis of the cause of the damage to ensure that the insurance company is acting in good faith.

We Stand Up For Homeowners

If you feel like your insurance is not being fair with your claims process, our lawyers help you fight back. We are located in Miami. Contact us for a free consultation and site inspection at 305-506-4746.

You Don’t Have To Settle For A Delay

Your repairman doesn’t make you wait months before they fix your car, and your electrician doesn’t stall repairs for months. So, you may be surprised when your insurance provider delays your insurance claim payment.

Unfortunately, this is more of a common practice than you might think. Florida storms can cause heavy damage to your home, and you shouldn’t have to fight your insurance company just to get the service that you pay for every month. If you have a delayed property insurance claim, we can help speed up the process. 

Steps You Can Take To Speed Up A Claim

You should know that delaying your payment is a strategy that insurance companies use so that you are more willing to accept a lowball offer for your claim. To fight this tactic, there are things that you can do to speed things up.

It is important to know that insurance companies need to schedule an inspection no later than 20 days from your first call about your damages, and they have a total of 90 days to finish their adjustment. When dealing with your insurance, keep frequent communications open with them, but remain courteous and polite when you do so. If the person you speak with isn’t providing you the answers you are looking for, do not be afraid to speak to a supervisor. You might find more progress through those superior channels. Ultimately, our attorneys can handle communication with the insurance company if they do not address your claim. 

Stay Organized And Well-Documented

If your first few calls aren’t working, start writing letters. Insurance companies are more likely to acknowledge letters in a timely manner, compared to phone calls. Keep dates and copies of everything you send, and the calls you take. If, after taking these initial steps, your insurance provider’s actions aren’t satisfying, call an attorney. A good lawyer can help you get the payment you deserve, when you deserve it. 

We Can Advocate For You

If you feel like your insurance provider is making you wait it out, don’t hesitate to get help today. Contact Property Litigation Group at 305-506-4746 and set up a free consultation at our Miami location. 

What Can You Do If Your Property Insurance Claim Was Denied

Having your insurance provider deny your claim for property damages doesn’t mean that it is the end of the line for you. You pay a lot of money for your premiums every month under the good faith that your insurance will help when you need it. There is a variety of reasons your insurance provider might give you as to why they denied your claim, such as:

  • Lack of coverage
  • Application misrepresentation
  • Neglect
  • Insurance fraud
  • Failure to cooperate
  • Failure to show damaged property
  • Prejudice
  • No Peril Created Opening
  • No Direct Physical Damage


Whatever the reason may be, it is important to get their reasoning in writing. Documenting as much as possible can drastically help your case in the long run. If you think that your insurance company is denying your claim unfairly, don’t be afraid to get an attorney who knows how to fight for a fair decision. Property Litigation Group has effectively challenged hundreds of improperly denied property damage claims for the benefit of our clients. You Don’t Have To Take “No” For An Answer

If you feel like your insurance company is acting against your best interests, you may have a bad faith insurance claim on your hands. In this kind of issue, in addition to pursuing the coverage you pay for, you might also be able to sue the insurance company for violating a relationship of good faith and fair dealing.

To properly prepare yourself for any legal matter of this nature, you can take several steps to help your case. During your exchanges with your insurer, document any communications with the company and its representatives. You also want to maintain your records, keeping information and pictures of what you have insured, and monitor any expenses you incur. Most importantly, if you are disputing your insurer’s actions, contact us immediately.

We Help Homeowners With Denied Insurance Claims

Our lawyers are strong advocates for homeowners facing unfair claim denials throughout Florida. Contact Property Litigation Group at 305-506-4746 today, and set up a free consultation in Miami.

Do Not Take The First Settlement Offer You Are Given

While the idea of purchasing insurance to act as a safety net in life is a good idea, the claims process does not always go smoothly. If you have submitted a claim for property damage to your insurance provider, you might worry that their initial offer is too small. Just like any other business, an insurance company’s goal is to make as much money as possible. So, when it comes down to how much you receive in your insurance claim, they will likely offer you the smallest settlement possible.
Fortunately, you do not have to agree to the first offer your insurance gives you, as the amount offered is up for negotiation. However, if you plan on negotiating for a better offer, prepare yourself for a fight with our help. Property Litigation Group helps Florida residents counter lowball settlement offers after major storms and other types of damages. 

You Can Ask For A Larger Settlement From Your Insurance

If you try to negotiate for a better offer from your insurance, it will not be easy. It is common for your insurer to try to avoid paying for expenses by claiming that some damage existed before the reported cause of loss, or other damages were a result of neglect afterward. During your efforts, your insurer will likely coax or even pressure you to accept a low settlement. Remember, it is your right to ask for an appropriate settlement to cover damages under your policy. Our determined attorneys can negotiate on your behalf to obtain your rightful payment.

We Are Here To Help

If you or a loved one is struggling to get the insurance company to pay their part, see an attorney who can help you today. We at Property Litigation Group know how to fight insurance companies for what they owe. If you are in the Miami area, contact us at 305-506-4746, and set up a free consultation with a lawyer today.

Let Us Help You Fully Recover From Property Damages

Property damage is often undervalued by insurance companies.

We can help you get a full picture of the loss with our skilled team of specialists who will document all applicable damages. We serve the Miami area and all of South Florida.

We offer free consultations and property inspections to make taking your first step toward recovery even easier.

Give us a call at (305) 506-4746