Homeowners Insurance Claims Lawyer

Homeowners Insurance Claims in South Florida

You purchased homeowners insurance to protect yourself in case anything happens. There was peace of mind knowing that the insurance policy was there if you needed it. Unfortunately, something did happen, and now, the insurance company isn’t delivering on its promise. After spending all that money on premiums, the insurance company is treating the policy like nothing but a worthless piece of paper.

A South Florida homeowners insurance claims lawyer from The Santos Law Offices can help you fight back. Whether your claim has been denied or undervalued, we will defend your rights and protect your interests.

Reasons for Homeowners Insurance Claim Denials

Insurance companies must provide a reason when denying a claim. Common reasons include:

  • The policy doesn’t cover the damage. 
  • The claim wasn’t filed by the deadline.
  • The deductible is higher than the cost of the damage. 
  • Unpaid premiums 
  • Failure to mitigate damage 
  • Mistakes made when filing the claim
  • The insurance company made a mistake when denying the claim.
  • Bad faith denial 

Regardless of the reason provided, speak to a South Florida homeowners insurance claims lawyer to see if you can fight back.


Florida homeowners insurance companies are bound by the law to act in good faith when assessing claims. This means that insurance companies must pay legitimate claims in a timely manner. Unfortunately, some Florida homeowners insurance companies act in bad faith when denying claims. These companies don’t have a legal reason for the denial but refuse the payout.

If an insurance company denies, underpays, or ignores a valid claim, it’s acting in bad faith. Your South Florida homeowners insurance claims lawyer can hold the company accountable, so you can get the money that you deserve. 


There are two sets of deadlines you must keep in mind when filing a homeowners insurance claim. First, you must follow the insurer’s deadline for the initial claim. The deadline varies greatly from one company to the next, with some enforcing a 30-day filing deadline while others give you two years. Read your policy carefully to ensure that you file by the deadline.

There is also a deadline for filing a breach of contract lawsuit against the company. You have five years from the date the damage occurred to file the claim. For instance, assume that your insurance company gives you two years to file a claim. You wait the full two years, and then your claim is denied. Because the damage occurred two years ago, you have three years to file a breach of contract lawsuit. Your South Florida homeowners insurance claims lawyer can go over your contract and discuss the deadlines with you.

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Why Choose Santos Law offices

  • Free Consultation – Go over your case during the free phone consultation. 
  • Highly Rated – The firm has received numerous rave reviews and recommendations on Google and Avvo.
  • Bilingual – Dalyla Santos and the staff at The Santos Law Offices are fluent in English and Spanish, ensuring that each client receives proper representation. 
  • Multiple Practice Areas – The Santos Law Offices specializes in bankruptcy, civil litigation, insurance claims, and immigration. 
  • Personalized and Affordable Legal Services – Dalyla Santos truly cares about her clients. She provides personalized and affordable legal services to help individuals and citizens throughout South Florida.
  • A Firm With Purpose – The Santos Law Offices gives back to the community through pro bono work, mentorships, and charitable donations. Also, employees are supported and recognized for the work they do.


You need to be careful when speaking to the homeowners insurance company. Anything you say can be used against you when denying your claim and defending the decision. If you have to speak to the company, provide short, honest answers and don’t admit fault or negligence. Also, if the company asks to record your conversation, refuse. Finally, consult with a South Florida homeowners insurance claims lawyer. Once you hire a lawyer, he or she can speak to the company for you. Then, you won’t have to worry about saying something that can be used against you in court.


Your South Florida homeowners insurance claims lawyer can file a lawsuit against the insurance company. Leading up to the lawsuit, you might get the opportunity to settle your claim. You will also go through mediation, which can lead to another settlement offer. Your attorney will advise you on the offers you receive. You can choose to accept a settlement or take the case to trial, where your attorney will present the evidence in front of a judge and jury.

Tell Us About Your Case

Contact Us Today for Your
Free Case Evaluation

We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.

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