Florida Property Insurance Dispute Attorneys

Don’t Settle for Less Than You Deserve. Let Cernitz Law Fight for You.

When you suffer property damage due to a natural disaster, accident, or crime, you expect your insurance company to honor your policy and pay your claim. Unfortunately, Insurance companies are in the business of making money, not paying claims. They often use various strategies to reduce or deny payouts to policyholders who have suffered property damage. At Cernitz Law, we have extensive experience in Florida property damage claims. We are familiar with the common tricks and traps insurance companies use to avoid their obligations, and, more importantly, we know how to overcome them.

If your insurance claim has been denied or underpaid for any reason—lack of proof, exclusions, pre-existing damage, wear and tear, recession, etc.—you should consult a lawyer as soon as possible to determine your legal rights and options.

Our Miami property insurance dispute attorneys have over 50 years of combined experience in helping property owners recover the compensation they are entitled to. We have handled all types of property insurance claims, from residential to commercial, and we have taken on every major insurance company in Florida. We have recovered millions of dollars for our clients who have suffered property damage from hurricanes, fires, floods, plumbing issues, theft, vandalism, and more.

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Types of Property Insurance Claims We Hand

Broken plumbing pipes




Business incomE




Tropical storms




Vehicle impact


Water leaks

Lightning strikes

And more

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We Have the Skills and Experience to Handle
Any Insurance Company Strategy

Insurance companies are in the business of making money, and they often try to reduce or deny payouts to policyholders who have suffered property damage. At Cernitz Law, we have extensive knowledge and experience in Florida property damage claims. We are familiar with the common tricks and tactics insurance companies use to avoid paying what they owe, and we know how to counter them effectively.

There are many reasons why an insurance claim may be denied legitimately, such as lack of proof, policy exclusions, pre-existing damage, wear and tear, and recession. However, if you believe your claim was handled unfairly or improperly, you should contact a lawyer as soon as possible to determine your legal rights and options.

Some of the strategies that insurance companies use to avoid paying claims in full (or at all) include:

Wrongfully denying coverage for part or all of a claim

Trying to pressure policyholders to accept a low settlement offer

Claiming that a policy does not cover or excludes a claim

Making misleading or false statements about a policy or coverage

Intentionally delaying the processing and payment of a claim

Requiring release of supplemental claims as a condition of a payment or settlement

Arguing that a policyholder’s action or inaction voids coverage

Underestimating property damage costs

Are you tired of settling for less than you deserve regarding your property damage claim? Let us assist you in challenging those unfair strategies and pursuing the total compensation that rightfully belongs to you.

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Let Us Help You Recover from Your Losses

Losing your home or business is devastating enough without an insurance dispute. Our skilled attorneys can help you with every aspect of your property damage claim, from filing the claim to suing the insurance company if they act in bad faith. We are ready to represent you aggressively in court and work to secure the full and fair payment you deserve. I love to help individuals, homeowners, small business owners, commercial property owners, condominium owners, Condo Associations, boat owners, automobile owners, and others who have suffered significant property damage due to various causes.

We Help Our Clients With A Wide Variety of Cases

Our Clients Say Excellent

4.9 Stars Reviews

4.9 out of 5 based on 100+ reviews

“Cernitz Helped Fixed Everything”


Payment Received

Hurricane Irma caused significant damage to
Rodolfo’s home. After working with Cernitz Law in the past for denied insurance claims, Rodolfo contacted us again for assistance. We were able to recover over $50,000 in damages.

“My House Now Looks Beautiful”


Payment Received

We used to represent insurance companies. We know their games. Now, we go after them to help you! For 15+ years, we have helped our clients maximize recoveries for their property damage claims, including damages from hurricanes. We will review your case in as little as 30 minutes.

“Guided Me Through The Process “


Payment Received

We understand that many Floridians are feeling overwhelmed by the damages caused by Hurricane Ian. It’s natural to feel like you can’t afford to hire a lawyer to help you get the compensation you deserve.

See All Results

We Help Our Clients With A Wide Variety of Cases.

We fight to get you what you deserve across multiple case types from property damages to personal injuries

olga pereiro
olga pereiro
Adam Feldman at Cernitz Law Firm, was extremely professional, knowledgeable and caring providing me with his expert opinion and honest representation. I wish I could provide a rating of 1,000. I recommend this law firm to anyone who needs their services, you will be well satisfied.
Anna Kleiner
Anna Kleiner
I recommend Cernitz Law and Adam Feldman. They worked for us and quickly resolved our situation. Very professional.
Cherie Sanchez
Cherie Sanchez
After wasting 2 years with public adjusters and other attorneys, we finally found Cernitz Law. They were able to settle our claim for our roof. Thank you Justin and your team for all your help!
Strollin Nolen
Strollin Nolen
UPC underpaid us and went solvent. I signed retainer with cernitz law 233 days ago. Case went FIGA. FIGA case now closed. Only giving 4 stars review because I have not been able to get a status update from Cernitz after calling them multiple times and left messages but have not got a call back. I still have Ian repairs to do and I have no idea whats going on. If cernitz law could give me an update and a timeframe I will give them 5 star rating. 443 days since hurricane. 233 days in cernitz's hands. Have absolutely no idea whats going on and no calls, texts, or emails letting me know...
Seynabou Ndiaye
Seynabou Ndiaye
Hands down Adam Feldman from Cernitz law is the best lawyer a client can ask for! Here is why.. We purchased a high end vehicle from a dealership in Fl. After the payment in full and months of a waiting period for the title, we realized we were dealing with a fraudulent dealership. They never had the title of the vehicle. Even worse for us, we gave them back their vehicle while they still had our money. Of course they agreed to refund us our money but since they were liars they gave us the run around for another 5 months. We had enough of their lies and finally decided to find us a lawyer to take care of the matter. We did our due diligence to look for the best lawyers in Florida and that lead us to Cernitz Law firm. Their reviews were excellent . We spoke with Adam about our case and right away we knew he was the right lawyer for us because He cared about our situation. After hiring him, Adam didn’t disappoint. He got us quickly all our money back from the dealership and even more. We simply couldn’t ask for a better lawyer. Adam was very efficient and he is great at what he does . He doesn’t mess around 🤣 On top of that he is very professional and communication was great. We are grateful we have him as a lawyer and we definitely recommend him and the Cernitz team to anyone in need of their services Thank you Adam.
christopher fleming
christopher fleming
Justin and his team were awesome. The process of the insurance claim was absolutely ridiculous and we would not have been able to deal with of insurance company without their help. Thank you for helping our family when we needed it the most.
Called Mr. Cernitz after the insurance company gave us a fraction of the actual damages inflicted by Hurricane Ian. After dealing with the storm and its aftermath, the ineffective insurance company, adjusters that never showed up, shady roofers and a pointless public adjuster I was shocked at the efficiency and relative speed at which the attorneys at Cernitz settled our claim. I was also pleasantly surprised at how quickly Mr. Cernitz responded to any and all inquiries… usually within a couple of minutes! Bravo Zulu Sir and thank you for your patience and support. If you find yourself in the unfortunate position of doing battle with your insurance company; stop, take a deep breath and call the attorneys at Cernitz. You won’t regret it.
Eric Nitsche
Eric Nitsche
I recently had major hurricane damage and my insurance company (that just recently left the state) basically screwed me on what they would cover. I had to get a FEMA loan to cover my deductable and damages that the isurance company would not pay. I was sceptical when I saw the ad. I reponded thinking what have I got to loose? Cernitz Law responded right away. They walked me through everything and explained the process. So easy to work with, responsive and very informative. They were able to recover all my losses and it did not cost me anything. Thank you to everyone at Cernitz Law!
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As one of the leading property damage and
personal injury firms in Florida, we can assist you with all of your legal needs. We will help get you the compensation you deserve.

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comillas I would leave 20 stars if I could! I just want to say Thank you for your representation on my behalf for the damages caused by Hurricane Ian!