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You can sue your insurance company when it breaches the contract you paid for or acts in bad faith when handling your claim. Remember, insurance policies are contracts. You pay premiums; the insurer agrees to cover certain losses. When they fail to uphold that agreement, the issue moves beyond a routine claim dispute.

Most property owners don’t expect to fight their own insurance company. You paid for coverage, reported the loss, and followed the process. Yet delays, low estimates, and partial denials are common, especially in Florida where insurers handle high volumes of weather-related damage claims.

You can contact our insurance claim lawyers anytime for a case review, but you should definitely call us if your claim has been pending for weeks without meaningful communication. Insurers tend to respond differently when they know the file is being reviewed by an experienced property insurance lawyer.

Citizens Insurance has recently introduced policy changes requiring certain disagreements to be settled through the DOAH rather than the conventional court system. Although Citizens frames this as an "alternative dispute resolution" method, it changes the means by which policyholders can legally enforce their rights.

Citizens is a necessary option, not necessarily a preferred one. If you're in a high-risk coastal area, have an older home, or have been denied by private carriers, Citizens may be your only realistic choice for property coverage. In that context, having coverage through Citizens is certainly better than being uninsured.

Property insurance helps protect homes and businesses from covered damage, but policies have limits, exclusions, and strict claim rules. Learn how coverage works, what’s excluded, and what to do if your claim is delayed or underpaid.

Florida hurricane insurance typically covers wind damage to your home and belongings but excludes flooding. Learn what’s covered, common claim issues, and how to protect your rights after a storm.

If you’re dealing with water damage, don’t guess at what your policy covers. A wrong move early in the claim can cost you thousands. Before signing anything, giving a recorded statement, or accepting a low estimate, talk to an insurance dispute attorney who knows how these companies operate.

Wrongful death settlements in Florida vary widely, but most cases fall somewhere between the low six figures and several million dollars, depending on the facts. Smaller cases often resolve for the limits of the available insurance policy, while cases involving clear negligence, significant lost income, or multiple dependent survivors can reach higher ranges.