Miami Property Damage Attorney
Insurance companies have lawyers. So should you.
When your home or business takes a hit, the last thing you need is a runaround from your insurance company. Cernitz Law will step in to protect your rights and help you recover what is rightfully yours
“No fee unless you win!”
Justin Cernitz & Candise Shanbron | Managing Partners
Why Miami Claims Are Different
Miami-Dade sees more property damage claims per capita than almost anywhere else in Florida. Older housing stock, salt air corrosion, and a hurricane season that delivers consistently all contribute. When Hurricane Irma hit in 2017, tens of thousands of South Florida claims were denied, delayed, or underpaid. Hurricane Ian in 2022 did the same. Policyholders who handled those claims without legal help consistently walked away with less.
We Know the Carriers Writing Policies Here
Cernitz Law handles property damage litigation in Miami-Dade Circuit Court. We’ve worked against every major carrier operating in South Florida.
Citizens Property Insurance, the state’s insurer of last resort, is one of the most aggressive claim fighters in the Florida market. Universal Property and Casualty routinely opens with low offers on hurricane damage. Heritage Property and Casualty leans on exclusion clauses that catch homeowners off guard.
Each carrier runs its own claims strategy. Our attorneys know where those strategies fall apart.
Miami Properties Have Coverage Complications Most Firms Miss
Condo unit owners in Brickell and Edgewater deal with master policy overlaps that affect what their individual policy actually covers. Homes in flood zones along Biscayne Bay face questions about where a standard homeowner policy ends and NFIP flood coverage begins. Commercial properties along Coral Way or in the Design District carry business interruption clauses that insurers read very differently than the owners who signed them.
What You Can Do If Your Claim Was Denied or Underpaid
Florida law gives you the right to challenge your insurer’s decision. If your carrier delayed your claim, sent an adjuster who missed damage, or denied coverage on a policy exclusion, those decisions can be contested. In many cases, carriers settle once an attorney gets involved.
We work on contingency. You owe nothing unless we recover money for you. We’ll review your claim at no cost and tell you directly whether it’s worth pursuing.
Clear Communication From Start To Finish
You should never feel left in the dark about your own case. We keep things transparent and easy to follow.
We Protect What You Worked Hard to Build
Whether it is your home or your business, we treat your case with urgency and care. When your insurer drags their feet, we take the lead and push forward.
No Win No Fee
If we do not win, you owe nothing. That is how committed we are to getting results and delivering real value for our clients.
Our Services In Miami, FL
Miami is no stranger to heavy storms, floods, and sudden roof leaks during what was supposed to be a quiet afternoon. When damage strikes, insurance companies often delay, dodge, or offer payouts that barely cover repairs. You should not have to chase down help when you are already overwhelmed. At Cernitz Law, we confront insurance roadblocks head on and work to help you get what your policy promised.
Homeowner Insurance Disputes
When your home is damaged and your insurance adjuster goes quiet, we step in. We deal with the delays, so you do not have to.
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Commercial Property Damage Litigation
Your business cannot afford downtime. We work to get your claim resolved quickly so you can reopen your doors with confidence.
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Hurricane Damage Litigation
Miami storms are powerful. So is your policy. We make sure your coverage works for you when the winds have done their worst.
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Storm & Disaster Damage Litigation
Water damage spreads fast and mold can follow quickly. We act with urgency to press insurers for a fast and fair outcome.
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Insurance Claim Denials & Underpayments
A denied claim does not mean the fight is over. We analyze every detail and take action to challenge decisions that do not add up.
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We get our clients Results
Miami Homeowners And Business Owners Rely On Us
Your insurance company does not get to decide what you are owed. You do. When you work with Cernitz Law, you have dedicated advocates who know how to fight for every dollar you deserve. Let us review your case at no cost and help you pursue the compensation that protects your home and your future.
See All ResultsLouis GalterioHurricane SettlementI had a wonderful experience with this firm. My insurance company was undercutting my damages claim from Hurricane Ian. Even though I was hesitant to get a 3rd party involved, I now realize that nothing would have happened without the help of Attorney Adam Feldman of the firm. He was friendly, knowledgeable, and patient and I would not hesitate to use this firm again. I highly recommend them.
Robin RandallHurricane SettlementFighting insurance companies on your own is a losing battle. Thankfully, we have settled. I’ve got back all the money I spent from the hurricane damage and I’m thrilled with the service.
David ReeseHurricane SettlementI would like to take a moment and say that I have the utmost praise for Cernitz Law. They handled a lawsuit against my home insurer who greatly underpaid my claim for Ian damage. Everyone there with whom I interacted was friendly, knowledgeable, polite and a pleasure to deal with. Along with those attributes also came professional and effective. We won! If you should need an attorney Cernitz Law can do the job.
Natacha CazeauProperty Damage SettlementI had a great experience with Cernitz Law firm. They won 3 cases for me in the past the first one in 2013 for my bathroom claim and two more for my roof and hurricane Irma. I will definitely refer my family and friends to Cernitz Law firm because they are working so hard to make sure you win the cases. You won’t regret it you will be very happy at the end
Yuriy GorobetsPipe LeakDear Homeowners if by any chance your home became a victim of weather disaster or something leaked I strongly recommend to contact Justin Cernitz and his team before making a call to your insurance. You will save yourself a lot of unnecessary headache and stress. Highly recommend!
Sherrilyn NorwoodHurricane SettlementThe Cernitz Law group, and in particular Adam Feldman, handled our claim with professionalism, keeping us informed and responding to any calls and emails immediately. He also made sure that any negotiations were in our best interest and that we were comfortable with the final outcome.
Joseph VuHurricane SettlementThe Cernitz Law Firm represented 2 of my properties included water damage to one of the properties during the IAN Hurricane. Insurance ran me around and did not wanted to pay for the damages. I hired Cernitz Law Firm to work with insurance company and all 3 cases settled in a good faith. If anyone has damaged properties, I would highly recommend Cernitz Law Firm to handle the loss. You will not be disappointed with their representation. Cernitz Law Firm thank you for your incredible work.
BrieHouse Property DamageI can’t say enough great things about Cerntiz Law Firm. They helped me navigate a challenging homeowner insurance claim with professionalism and expertise. From the start, they were attentive, responsive, and made sure I understood each step of the process. Their dedication to my case made a stressful situation much easier, and they fought hard to get the best possible outcome for me. I highly recommend Cernitz Law to anyone in need of legal assistance. Thank you for your outstanding service!
Ready To Fight For What You Deserve
You should not have to beg your insurer for fair treatment. We take the pressure off your plate and focus on results that matter. Your recovery is our mission.
- Address: 9350 S Dixie Hwy Suite 1220, Miami, FL 33156
- Phone: (305) 370-3255
- Email: info@ceritzlaw.com
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Frequently Asked Questions
How much does a property damage lawyer cost in Miami?
Most property damage attorneys in Miami, including Cernitz Law, work on a contingency fee. You pay nothing upfront. If we win or settle your case, our fee comes out of the recovery. If we don’t recover anything, you owe nothing. Florida law also allows attorney fees to be recovered from the insurer in certain cases, which can reduce the amount taken from your settlement.
What if my insurer already denied my claim?
A denial isn’t final. We review the denial letter, your policy language, and the adjuster’s findings to see where the insurer’s reasoning breaks down. Many denials rest on policy interpretations that don’t hold up under scrutiny.
How long do I have to take action after a storm claim denial in Florida?
Florida law recently tightened the deadline. You generally have one year from the date of loss to file a supplemental or reopened claim, and filing deadlines for litigation are tied to your policy terms. Don’t wait to get a review.
Do I need a lawyer to dispute a low settlement offer?
You don’t need one, but insurers know when they’re dealing with an unrepresented claimant. Having an attorney on record changes how quickly carriers respond and what they’re willing to offer.
Vizcaya Museum And Gardens
A symbol of old Miami elegance, Vizcaya is both historic and resilient. That same spirit inspires how we protect and advocate for our clients.
Freedom Tower
Known for welcoming those in search of refuge, the Freedom Tower reminds us why strong representation matters. We stand for our clients the same way it has stood for the city.
Wynwood Walls
Creative, fearless, and always in motion. That is the energy we bring into every case. We believe in standing out for the right reasons and making an impact.