First-Party Property
& Homeowner's Claims

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Florida Lawyers for First-Party Property and Contractor Insurance Claims

We Fight for Contractors & Homeowners Suffering from Denied Insurance Claims 

When you purchase a first-party property insurance policy, you’re trusting that the insurance company will take care of you if your property incurs damages, and you need additional coverage for expenses. 
Examples of possible ways your property can incur damages include:

  • Storms
  • Strong winds
  • Fires
  • Burglaries

Unfortunately, insurance companies don’t always uphold their end of the agreement when you submit a claim. If you find yourself the victim of unfair treatment by your insurance carrier, you may be able to file a property claim against them.

When Insurance Carriers Delay or Deny Your Property Claim

“Bad faith” is when an insurance company fails to process, investigate, or pay your claim in a reasonable timeframe. Typically, the carrier has 90 days to accept or reject your claim once you’ve submitted it; if your claim is accepted, the carrier should issue you payment within 20 days.

The circumstances under which you can file a claim against your insurance carrier for negligence are listed in section 624.155 of the Florida Statutes

Additionally, the Statutes specify that you must give your insurance carrier 60 days to cure (or fix) an alleged violation of your policy. If they fail to remedy the issue within the 60-day timeframe, you can proceed with a property claim in court.

Contractors and Property Claims in Florida

If you’re a contractor, you face unique challenges when it comes to property claims. You can take certain steps when providing estimates or assessing repairs to protect yourself from dishonest insurance carriers. These steps include:

  • Reviewing the insurance policy with the homeowner 
  • Recording the scope of the property damage through photos
  • Coordinating with the homeowner so that you can be on-site when the insurance adjuster comes to inspect the property

We have years of experience helping contractors with property claims against insurance companies. We can advise you regarding documentation to file after a property inspection, and we’re ready to go to court for you if necessary.

How Our Attorneys Can Help You with a Property Insurance Claim

At RAK Law, our attorneys have substantial experience advocating for our clients with property claims. Here are some of the ways we can help you:

  • Get to know you and meticulously examine your case. If you set up a consultation with us, we’ll get to know you on a first-name basis. We’ll also look at all facets of your case and educate you regarding your rights and legal options.
  • Advise you through all steps of the legal process. We’ll advise you regarding which documentation to gather for your case and how to keep records of your interactions with your insurance carrier, as this can serve as beneficial evidence in court.
  • Research the insurance company and form a claim. We have years of legal experience and will leverage it to help you. We’ll analyze your insurance policy and determine the ways your carrier misled and failed to help you. We can also research existing citations against your insurance carrier, as it’s likely they’ve treated other policyholders similarly. These are all essential steps in forming a strong case against your carrier and bringing them to court so that you can receive your rightful compensation.

How Long Do I Have to File a Property Claim in Florida?

According to the Florida Statute of Limitations, you have 5 years to file a claim against an insurance carrier for failure to settle your property claim.

It’s wise that you contact our attorneys sooner, however, so that we can begin work on your case promptly and fight for the settlement you’re entitled to.

  • “RAK Law is by far the best law firm I have worked with.” - Frank D.
  • “They are the perfect combination of welcoming and knowledgeable.” - Allison E.
  • “He took the time to explain every step of the process to us... we were treated like family.” - Deanna S.
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Call Us Today for a Consultation

At RAK Law, we’re ready to investigate your case and pursue your rightful compensation.

Our trusted team has years of legal experience in our arsenal and can handle all that is necessary for your case.

If you’re a homeowner or contractor with an insurance claim in Florida, call (813) 750-0513 to learn how our determined attorneys can fight on your behalf. You can also submit your information here to schedule your consultation.

Why Choose RAK Law Firm?

Our Experienced Attorneys are trusted Civil Litigators

  • Trusted Advisors
  • Highly Personalized Service
  • Wide Range of Practice Areas
  • Representing Clients Statewide
  • Prepared To Go to trial
  • Experience You Can Count ON

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