Did Your Insurance Company Deny Your Property Damage Claim After Hurricane Irma? 

If your claim was ignored, denied, or they made a low-ball offer in bad faith, you need an experienced insurance attorney who knows how to fight for a fair property damage settlement. Let our legal team based in Tampa, Florida inform you of all your legal options and help you determine whether filing a lawsuit is necessary. Call (813) 906-1151 for a free consultation now.

Our Florida Insurance Dispute Lawyers Can Help You.

We Fight Bad Faith, Denied, and Undervalued Property Damage Claims Including:

  • Water Damage Claims
  • Wind Damage Claims
  • Dispute Underpayment & Nonpayment
  • Bad Faith Insurance Practices
  • Undervalued & Low-Ball Offers
  • Denied Claims
  • Appeal Unfair Insurance Claims
  • Insurance Company Fraud
  • Deceptive & Misleading Insurance Policies

The hurricane damage lawyers at Armando Personal Injury Law Firm in Tampa, Florida represent policy holders against insurance companies. We fight for people across the state filing commercial or residential property damage claims, so that they are not treated unfairly.  We fight denied, unfair, and bad faith wind and water damage claims caused by storms and Hurricanes like, Irma and Andrew. We handle residential claims for homeowners, commercial claims for business owners, and many other types of water damage and wind damage claims.

Our attorneys will fight low-ball and unfair claim settlements offered by insurance companies and negotiate a fair payout for your lost property or damage sustained. Whether your claim was denied, your insurance company isn’t answering the phone, or you were told that your claim is not valid because of some false technicality, our insurance claim lawyers can help you.

After a storm like Hurricane Irma, with wind and storm surge levels rivaling that of a nuclear bomb, it is essential that you hire an attorney immediately to actively pursue a claim against the insurance company responsible for the property damage so you can restore your home and/or business as soon as possible.


Worried about how you will pay for an insurance lawyer’s help? Don’t worry. Consultations are free and if we recover a settlement for you, we will charge your insurance company for attorney fees.

Insurance Companies Never Do the Right Thing After Hurricanes

Don’t think that because you have always paid your home insurance premiums or business property insurance on time that the insurance company will handle your claim fairly and quickly.

Guess what?  That is not what happens because insurance companies are backed by a team of lawyers and adjusters looking for any reason to deny your claim. Doing this saves the insurance company money and maximizes corporate profits. Don’t let them dictate your property damage claim.

Don’t make the mistake of thinking your insurance company is your friend or that they are really trying to help you. YOU should question every recommendation by them because they do not look out for your best interest. Their priority is to reduce your claim payout and maximize their profits!

Call Armando to speak with an insurance claim lawyer in Tampa as soon as possible. Our team will work hard to analyze every detail of your claim against your insurance policy, and make sure that the insurance company can’t deny or minimize your claim. If they do deny your claim, we can fight it. This catastrophic storm has destroyed enough, don’t let them take what is rightfully yours.

tampa police escort national guard troops into city after hurricane irma

Our attorneys’ combined litigation experience is over 30 years. We are here to fight for you and get you a fair and just result! Get the power of our experience, knowledge, investigators and experts to work for you!

Types of Property Claims We Fight

  • Wind Damage: broken windows, missing roof tiles, roof damage, damage caused by falling tree & debris
  • Water Damage: roof leaks, electric short from water, damaged inventory, furniture, sheetrock, carpet, etc.
  • Hurricane Damage: hail, rain, tornados, lightning strikes, etc.

How Our Attorneys Help Maximize Property Damage Settlements

  1. We request and read over all of your applicable polices to see what rights and responsibilities you have to make sure we comply with all conditions required so that the insurance company doesn’t deny your claim on a “technicality.”
  2. We make sure that the type of damage we are claiming is covered by the applicable policy and the insurance company doesn’t wrongfully deny the claim and and “non-covered event.”
  3. We review the facts and the policy to make sure that there was not any “non-disclosure” on your behalf when you applied for the policy.
  4. We make sure that your claim is not presented fraudulently.
  5. We make sure your insurance company doesn’t wrongfully cancel your policy. 

Answers to Common Hurricane Damage Claim Questions

  1. How much does a Florida hurricane insurance damage claims lawyer costs?

If we win a judgment against the insurance company we would have our attorneys’ fees paid for by the insurance company pursuant to Fla. Stat. 627.428. In other cases we are paid a percentage out of the proceeds we obtain for our client. Either way the client only pays if we make a recovery for them.

  1. How long do I have to file a claim against my insurance company for Hurricane Irma damage to my property in Florida?

You have 5 years to file insurance claims according to Florida law, but for wind damage or Hurricane damage the statute of limitation to file a property damage claim is 3 years.

  1. What can I do if my insurance company is
  • Taking too long;
  • The value of the damages is disputed;
  • Or they are wrongfully denying my claim?

Generally the Statue of limitations is five years for insurance claims according to Fla. Stat. Sec. 95.11 . However, in May 2011 the legislature reduced the time for windstorm and hurricane damage to three years. Additionally, now insurance companies can hold back payments for home damage until after the repairs or remodel have been made!

  1. Where can I go to look at the insurance rules?

You can look at Title 37 of the Florida Statues which is named “Insurance”. This title contains Florida’s rules insurance companies must follow, definitions, provisions regarding rates and statute of limitations along with other information.

  1. How are insurance policies for water damage different from flood damage?

Flood and water damage insurance policies are very different but are typically differentiated as water from outside coming in (flood damage) vs. water inundating the home or business from within (water damage). Water damage from a roof leak is generally covered by most wind, water, or hurricane insurance policy. If you are confused don’t be ashamed; policies are usually written by lawyers and can be overly confusing. Let our team work for you!

  1. How Do I know what damage is covered by my insurance policy?

The type of damage your policy covers depends on the type of insurance you have and what event we are trying to get covered. Insurance policies are designed to protect against certain risk. Property risks covers damage to your property. Polices inevitably have exclusions and those exclusions must be spelled out in the policy clearly. In Florida, a homeowners’ insurance policy is required to have hurricane coverage unless the owner of the property signs a handwritten statement rejecting coverage or the property is in a wind pool area.

  1. How do I make a claim for property damage from my insurance company?

Every Company and every policy is different. However, they all require you to notify them of the claim to start the process. Be careful, because anything you say to them when you open the claim can be used to deny and/or minimize your claim later. It is always best to wait to have a lawyer assist you through this process. Call our office to schedule a free consultation. We won’t charge you anything up front, you only pay if we get a settlement for you.

  1. If my insurance company has made me a low ball offer, what are my options?

Don’t accept a low ball offer. Remember the insurance company is looking out for the bottom line always. Undervalued claim offers are not uncommon after a major storm like Irma, but that does not make them right. You need to hire a lawyer to help you either resolve the claim fairly or litigate the case in court!

  1. What happens if the insurance company denies my claim?

We can help you fight denied property damage claims. Just because they say they are not responsible doesn’t make it so! Call our office to speak with a lawyer today.  We want to review the policy and their denial as quickly as possible and see if they are wrong! IF they are wrong we can get all of your damages paid!

  1. What is considered a bad faith insurance practice?

A bad faith insurance practice involves first party losses. If an insurance company or carrier denies valid claims, offers underpayments far below the fair market value for lost or damaged property; fails to notify the policy holder that they can appeal a claim; fails to fully investigate or in any way tries to intimidate the homeowner or commercial property insurance policyholder this is considered bad faith.

  1. What does Replacement Value mean?

Replacement value means the cost to replace the property that was damaged, but this “estimate” can also be grossly undervalued by the insurance claims. Don’t let them maximize profits by denying your legitimate claim.

  1. What does Actual Cash Value mean?

Actual cash value is the value of the property at the time of the loss or damage. Actual cash value takes depreciation into account. Replacement value payouts are usually a lot higher, and if the policy isn’t clear the insurance company will always try to use Actual cash value. Don’t let them.

  1. After the Hurricane should I start the cleanup process before I contact the insurance company?

It depends, but usually the answer is NO. After a hurricane, insurance companies require assessor to evaluate the property or inventory damages and submit a report before any damages will be covered. If you being to clean up prior to the assessment being done, be aware that the insurance company may not cover any efforts by you unless you have the express written consent. That is where our attorneys can help make sure the insurance company diligently and quickly comes to evaluate your damage and/or covers any efforts by you to begin to cleanup the mess.

  1. Does my Hurricane policy cover flooding?

It depends, but the majority of hurricane policies do not cover flooding and you are required to have a separate flood policy in Florida. However, in some instances the policy is silent on this issue and we may be able to get the hurricane policy to cover the damages.

  1. If I hire a contractor after the hurricane will the insurance company pay for it?

Before hiring any contractors, we have to make sure the insurance company expressly authorizes it and we have to be certain the contractor is qualified and licensed. Remember there are a lot of fraudulent contractors out there after a hurricane. Please let one of our attorneys assist you through this complicated process and don’t become a victim of fraud.

  1. Should I take pictures of the damage?

Yes, absolutely. In fact you should take pictures before you believe a Hurricane will strike so you have evidence of the condition of the property immediately before the hurricane.

  1. Is There a Property Damage Lawyer Near Me that Can Visit My Home or Business?

Most likely! If you are located in the greater Tampa area or anywhere else in Florida and need legal assistance, please contact us and we’l l send a member of our team out asap. Call (813) 482-0355 or request an appointment using the form below.

home boarded up before hurricane


  1. 2017 Florida Statutes Title XXXVII Fla. Stat. 627.428 Attorney’s fee. http://www.leg.state.fl.us/statutes/index.cfm?mode=View%20Statutes&SubMenu=1&App_mode=Display_Statute&Search_String=627.428&URL=0600-0699/0627/Sections/0627.428.html
  2. 2017 Florida Statutes Title VIII Chapter 95, 95.11 Limitations other than for the recovery of real property. http://www.leg.state.fl.us/statutes/index.cfm?mode=View%20Statutes&SubMenu=1&App_mode=Display_Statute&Search_String=95.11&URL=0000-0099/0095/Sections/0095.11.html