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# Cernitz Law: We Are Cernitz Law
As a leading property insurance law firm headquartered in Miami but with offices all over Florida, New York and Texas, we help homeowners and commercial property owners recover compensation for storm, fire, water, and other types of damage. 

## Sitemaps
[XML Sitemap](https://cernitzlaw.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Hurricane Ian Damage Claims Still Unresolved in Cape Coral? Here’s Where You Stand in 2026](https://cernitzlaw.com/hurricane-ian-claim-unresolved-cape-coral-2026/)
- [Condo vs. Homeowner Insurance Claims in West Palm Beach: What’s the Difference?](https://cernitzlaw.com/condo-vs-homeowner-insurance-claims-west-palm-beach/)
- [Public Adjuster vs. Property Damage Attorney in Tampa Bay: Which One Gets You More? (2026)](https://cernitzlaw.com/public-adjuster-vs-property-damage-attorney-tampa-bay/)
- [The 5 Best Property Damage Attorneys in Miami (2026)](https://cernitzlaw.com/best-property-damage-attorneys-miami/)
- [Hurricane Ian Claims: What’s Still Actionable in 2026 (And What’s Expired)](https://cernitzlaw.com/hurricane-ian-claims-2026-deadlines/)
- [Sinkhole Damage Claims in Florida: What Insurance Covers and What It Doesn’t](https://cernitzlaw.com/sinkhole-damage-claims-florida/)
- [Bad Faith Insurance Claims in Florida: What Qualifies and How to Prove It](https://cernitzlaw.com/bad-faith-insurance-claims-florida/)
- [Public Adjuster vs. Attorney for Your Insurance Claim: When to Use Each](https://cernitzlaw.com/public-adjuster-vs-attorney-insurance-claim/)
- [How Long Do You Have to File a Property Insurance Claim in Florida?](https://cernitzlaw.com/how-long-file-property-insurance-claim-florida/)
- [How to File a Water Damage Insurance Claim in Florida](https://cernitzlaw.com/water-damage-insurance-claim-florida/)
- [The Complete Guide to Filing a Hurricane Damage Insurance Claim in Florida](https://cernitzlaw.com/hurricane-damage-insurance-claim-florida-guide/)
- [Insurance Underpaid Your Claim? Here’s What to Do](https://cernitzlaw.com/insurance-company-underpaid-claim/)
- [Stolen Car Insurance Claim Denied? Here’s What to Do](https://cernitzlaw.com/stolen-car-insurance-claim-denied/)
- [Vandalism Claim Denied? How to Fight Back](https://cernitzlaw.com/vandalism-claim-denied-how-to-fight-back/)
- [When to Hire a Property Damage Lawyer](https://cernitzlaw.com/when-to-hire-property-damage-lawyer/)
- [How to Prove Theft to Your Insurance Company](https://cernitzlaw.com/how-to-prove-theft-to-insurance/)
- [Storm Damage Claim Denied? Step-by-Step Guide](https://cernitzlaw.com/storm-damage-claim-denied-step-by-step-guide/)
- [Citizens’ CEO speaks after judge halts administrative hearings to solve disputes](https://cernitzlaw.com/citizens-ceo-speaks-after-judge-halts-administrative-hearings-to-solve-disputes/): “The fact is that the conduct of the lawyers who do engage in … fraudulent litigation … drove up policyholder premiums and helped create Florida's insurance crisis,” said Tim Cerio, the CEO of Citizens Property Insurance Corp., the state's insurer of last resort, during a meeting of the insurers’ governing board on Sept. 24.
- [Meet Justin Cernitz, Esq. of Cernitz Law](https://cernitzlaw.com/meet-justin-cernitz-esq-of-cernitz-law/): Today we’d like to introduce you to Justin Cernitz, Esq..
- [Top Lawyers: Candise Shanbron of Cernitz Law On The 5 Things You Need To Become A Top Lawyer In Your Specific Field of Law](https://cernitzlaw.com/top-lawyers-candise-shanbron-of-cernitz-law-on-the-5-things-you-need-to-become-a-top-lawyer-in-your-specific-field-of-law/): As a part of this interview series, I had the pleasure of interviewing Candise Shanbron, Esq. managing partner and COO of Cernitz Law.
- [Hurricane season is here: What to know to protect your home](https://cernitzlaw.com/hurricane-season-is-here-what-to-know-to-protect-your-home/): By getting the right coverage and planning ahead, homeowners can protect their property and finances this hurricane season.
- [Your Insurance Company May Be Using A Drone To Spy On Your Property From The Air](https://cernitzlaw.com/your-insurance-company-may-be-using-a-drone-to-spy-on-your-property-from-the-air/): Some insurance companies are now using drones to do property inspections from the air. In some cases, insurers are using the results of these inspections to refuse to insure the property altogether. This may be especially concerning for property owners in certain areas at high risk of natural disasters, where insurance options may already be limited as insurers have been dropping customers.
- [The Changing Landscape of Commercial Real EstateInsurance: Technology, Risk Mitigation and Broker Strategy](https://cernitzlaw.com/how-commercial-owners-can-adjust-to-changing-landscapes-of-property-insurance-risk-management-copy/): More and more commercial real estate owners are traveling to insurance hubs like London and Bermuda to sit down with underwriters and make their case in person. Other foreign insurers are beginning to follow this trend, with some suggesting that trips to places like Japan and Germany might soon be on the horizon as well. But what has caused this dramatic shift?
- [Tariffs Add Financial Pressure to Projects from Steel and Lumber to Bond Markets](https://cernitzlaw.com/tariffs-add-financial-pressure-to-projects-from-steel-and-lumber-to-bond-markets/): At this point, there’s little surprise that the increased tariffs scheduled to start today will negatively impact commercial real estate. CBRE, CommercialEdge, and S&P Global Ratings have all projected this.
- [How Commercial Owners Can Adjust to Changing Landscapes of Property Insurance, Risk Management](https://cernitzlaw.com/how-commercial-owners-can-adjust-to-changing-landscapes-of-property-insurance-risk-management/): No matter where owners of commercial properties stand politically or how they feel about issues like climate change, one undeniable fact is that natural disasters are becoming increasingly common.
- [The Business Side Of Law: Justin Cernitz On 5 Things You Need To Create Or Lead A Successful Law Firm](https://cernitzlaw.com/the-business-side-of-law-justin-cernitz-on-5-things-you-need-to-create-or-lead-a-successful-law-firm/): Law school primarily prepares lawyers for the practice of law. But leading or starting a law firm requires so much more than that. It requires the entrepreneurial skills that any CEO would need to run a business; How to manage personnel, how to hire and fire, how to generate leads, how to advertise, how to manage finances, etc. On the business side of law, what does an attorney need to know to create a successful and thriving law practice? To address these questions, we are talking to successful law firm principals who can share stories and insights from their experience about the “5 Things You Need To Create Or Lead A Successful Law Firm”.
- [Are Florida Insurance Companies Changing Insurance Policies Without Insureds Knowing?](https://cernitzlaw.com/are-florida-insurance-companies-changing-insurance-policies-without-insureds-knowing/): The Florida insurance market is facing a growing crisis, driven by a combination of judicial reluctance and insurance companies’ tactics that undermine the intent of consumer protection laws. While the state’s regulations allegedly aim to protect policyholders, insurance companies are finding ways to technically comply with the laws, while still navigating around these protections, leaving the insured at a disadvantage.
- [How long will California wildfire victims wait for insurance payouts?](https://cernitzlaw.com/how-long-will-california-wildfire-victims-wait-for-insurance-payouts/): Experts say it's incredibly difficult to gauge a timeline of when wildfire victims of the California wildfires will receive their insurance payouts, noting that it could be anywhere from a few weeks to several years. 

## Pages
- [Fire Damage Attorney St. Petersburg, FL](https://cernitzlaw.com/st-petersburg/fire-damage/)
- [Fire Damage Attorney Orlando, FL](https://cernitzlaw.com/orlando/fire-damage/)
- [Fire Damage Attorney Tampa, FL](https://cernitzlaw.com/tampa/fire-damage/)
- [Fire Damage Attorney Miami, FL](https://cernitzlaw.com/miami/fire-damage/)
- [Jeffrey Saidenstat](https://cernitzlaw.com/our-team/jeffrey-saidenstat/): Admitted in
- [Candise Shanbron](https://cernitzlaw.com/our-team/candise-shanbron/): Admitted in
- [Adam Feldman](https://cernitzlaw.com/our-team/adam-feldman/): Admitted in
- [Justin Cernitz](https://cernitzlaw.com/our-team/justin-cernitz/): Admitted in
- [Cernitz Law Guide](https://cernitzlaw.com/guide/)
- [Accessibility statement](https://cernitzlaw.com/accessibility-statement/)
- [Thank You](https://cernitzlaw.com/thank-you/)
- [Terms & Conditions](https://cernitzlaw.com/terms-conditions/): By using our website, you hereby consent to our Privacy Policy and agree to its terms.
- [Commercial Property Damage Litigation Miami, FL](https://cernitzlaw.com/miami/commercial-property-damage/)
- [Storm & Disaster Damage Litigation Houston, TX](https://cernitzlaw.com/houston/storm-damage-claims/): Edit with Bricks
- [Commercial Property Damage Litigation Houston, TX](https://cernitzlaw.com/houston/commercial-property-damage/)
- [Homeowner Insurance Disputes Houston, TX](https://cernitzlaw.com/houston/homeowners-insurance-disputes/)
- [Hurricane Damage Claims Houston, TX](https://cernitzlaw.com/houston/hurricane-damage-claims/)
- [Insurance Claim Denials & Underpayments Houston, TX](https://cernitzlaw.com/houston/insurance-claim-denials/)
- [Hurricane Damage Litigation Long Island, NY](https://cernitzlaw.com/long-island/hurricane-damage-claims/)
- [Insurance Claim Denials & Underpayments Long Island, NY](https://cernitzlaw.com/long-island/insurance-claim-denials/)
- [Storm & Disaster Damage Litigation Long Island, NY](https://cernitzlaw.com/long-island/storm-damage-claims/)
- [Homeowner Insurance Disputes Long Island, NY](https://cernitzlaw.com/long-island/homeowners-insurance-disputes/)
- [Commercial Property Damage Litigation Long Island, NY](https://cernitzlaw.com/long-island/commercial-property-damage/)
- [Hurricane Damage Litigation Orlando, FL](https://cernitzlaw.com/orlando/hurricane-damage-claims/)
- [Insurance Claim Denials & Underpayments Clearwater, FL](https://cernitzlaw.com/clearwater/insurance-claim-denials/)
- [Storm & Disaster Damage Litigation Clearwater, FL](https://cernitzlaw.com/clearwater/storm-damage-claims/)
- [Hurricane Damage Litigation Clearwater, FL](https://cernitzlaw.com/clearwater/hurricane-damage-claims/)
- [Commercial Property Damage Litigation Clearwater, FL](https://cernitzlaw.com/clearwater/commercial-property-damage/)
- [Homeowners Insurance Disputes Clearwater, FL](https://cernitzlaw.com/clearwater/homeowners-insurance-disputes/)
- [Commercial Property Damage Litigation Orlando, FL](https://cernitzlaw.com/orlando/commercial-property-damage/)
- [Homeowners Insurance Disputes Orlando, FL](https://cernitzlaw.com/orlando/homeowners-insurance-disputes/)
- [Storm & Disaster Damage Litigation Orlando, FL](https://cernitzlaw.com/orlando/storm-damage-claims/)
- [Insurance Claim Denials & Underpayments Orlando, FL](https://cernitzlaw.com/orlando/insurance-claim-denials/)
- [Storm & Disaster Damage Litigation West Melbourne, FL](https://cernitzlaw.com/melbourne/storm-damage-claims/)
- [Hurricane Damage Litigation Melbourne, FL](https://cernitzlaw.com/melbourne/hurricane-damage-claims/)
- [Homeowner Insurance Disputes Melbourne, FL](https://cernitzlaw.com/melbourne/homeowners-insurance-disputes/)
- [Commercial Property Damage Litigation Melbourne, FL](https://cernitzlaw.com/melbourne/commercial-property-damage/)
- [Insurance Claim Denials & Underpayments Melbourne, FL](https://cernitzlaw.com/melbourne/insurance-claim-denials/)
- [Commercial Property Damage Litigation Naples, FL](https://cernitzlaw.com/naples/commercial-property-damage/)