Risks of Handling a Property Damage Claim Alone in Florida


Dealing with property damage can be an incredibly stressful and overwhelming experience. When an incident damages your commercial or residential property, you likely have a lot of questions about the claims process and ensuring you receive fair compensation. It’s tempting to try handling it alone, but there are significant risks involved with that approach. An experienced property damage attorney in Florida can help guide you, protect your rights, and work to get you the maximum recovery.


Our team of skilled attorneys at Cernitz Law has guided clients through property damage insurance claims. For more information, call our team at 305-370-3255

You May Miss Out on the Compensation You Deserve

One major risk of handling a property damage claim alone is that insurance companies know most people lack negotiating experience. As a result, insurers may make lowball offers, hoping you’ll accept less than full value. An attorney understands policy intricacies and works to maximize your settlement or award. With a property damage lawyer Miami on your side scrutinizing estimates, questioning exclusions, and negotiating firmly, you enhance your chances of recovering all allowable damages.

Insufficient Settlement Offers

Insurers often make initial settlement offers that seem fair but ultimately fall short of covering the actual property damages and associated expenses. Retaining a property damage attorney in Florida with experience in these cases acts as your advocate to contest those offers. They thoroughly assess your situation, document all damages/costs, and relentlessly negotiate until securing sufficient compensation.

Missed Reimbursable Expenses

Beyond direct property destruction, incidents often generate ancillary costs like temporary lodging, storage fees, and lost income that also merit reimbursement. An experienced attorney in Florida thoroughly investigates which expenses fall under your coverage to include within demands and settlement proposals. Going it alone risks overlooking or undervaluing these costs.

You May Inadvertently Jeopardize Your Claim

Another considerable risk is that an innocent misstep during the claims process could weaken your position or invalidate your claim altogether. Insurance policies and laws contain intricate technicalities, exclusions, and deadlines that trained property damage attorneys understand. They guide you in providing necessary documentation, meeting all requirements, and avoiding costly mistakes. Having a property damage lawyer in Miami prevents you from accidentally saying or doing something that gets used against you.

Meeting Strict Deadlines

Most insurance policies impose stringent deadlines for submitting documentation, replacing property, and even filing suit if necessary. Miss a deadline and you may lose certain coverage or see a claim get denied outright. Beyond policy time limits, Florida Statute 95.11 also imposes deadlines on when you can take legal action following property damage. A property damage attorney manages this calendar of deadlines properly to preserve all your rights.

Responding to Insurer Requests

Insurers commonly bombard policyholders with paperwork and invasive requests after an incident, which can feel intimidating. Well-meaning attempts to cooperate could backfire by providing harmful info insurers leverage against you. Experienced counsel handles all communications, advises on responding prudently, and shields you from such exposure.

You Also Risk Having Limited Recourse After Accepting an Offer

Once a policyholder agrees to a particular settlement, reversing course if it proves inadequate poses challenges. Insurers count on claimants lacking understanding of available legal remedies. Attorneys know options like contesting bad faith claim handling and can pursue additional compensation where warranted, even post-settlement. They also recognize questionable situations meriting litigation. On your own, overlooked damages or errors often get discovered too late.

FAQs on Florida Property Damage Claims

1. What are common reimbursable expenses in a property damage claim?

Temporary housing, storage fees, income loss, and reasonable costs tied directly to the incident often qualify for reimbursement under many policies. An attorney thoroughly investigates which specific expenses apply under your coverage.

2. Can I still recover damages even after an initial payment?

Potentially yes depending on the specifics. Experienced counsel can evaluate if bad faith or other factors allow pursuing additional funds even after initial payment by the insurance company.

3. What laws impose deadlines for property damage claims and lawsuits?

Beyond policy time limits, Florida Statute 95.11 establishes deadlines for taking legal action – consult qualified counsel to preserve rights.

4. Should I provide recorded statements or documentation to insurers without attorney advice?

No, an attorney should handle all communications and guide your responses to avoid jeopardizing your claim.

5. How much settlement should I realistically expect?

There is no universal rule on precise settlement values – retain an attorney to thoroughly assess your unique situation and relentlessly negotiate the maximum justified amount.

Choosing a Property Damage Attorney in Florida 


Suffering property damage often brings painful financial and emotional stress. Yet trying to handle claims alone out of necessity tends to exacerbate rather than alleviate that burden. Partnering with a dedicated property damage lawyer in Florida levels the playing field against sophisticated insurers and takes the weight off your shoulders. With an attorney as your fiercely committed advocate, you can focus on recovery and restoration knowing your rights stay protected. Reach out today for a free consultation and case assessment.


If you’re suffered property damage, you do not have to navigate the claims process alone. Our team has years of experience helping clients win cases throughout South Florida. For your free consultation, call Cernitz Law today at  305-370-3255