Property insuranceclaims and litigation.
When a storm, leak or fire damages your home or business and your insurer denies, delays or underpays the claim, we pursue what your policy promised.
Your home is likely your most important investment. Your policy should protect it the way it promised.
You buy insurance with the reasonable expectation that your insurer will pay a covered claim. Yet every year, residential and commercial claims that should be covered are denied or underpaid, leaving owners wondering how they will pay for the repairs.
If your insurer is not honoring your policy, or you believe your claim was wrongfully denied or underpaid, we can help you fight back with a strategy built around your policy and your property.
Our founder began his career defending insurance companies. We know how a claim is reviewed from the inside, and where an insurer's position is weakest.
How we can help
Hurricane & wind damage
Roof, window and structural damage after a named storm or severe wind.
Water damage & leaks
Burst pipes, plumbing failures, appliance leaks and the damage they leave behind.
Roof claims
Claims denied as "wear and tear" or underpaid for a partial repair instead of a replacement.
Fire & smoke damage
Structural, contents and smoke damage, including additional living expenses.
Commercial property
Claims for business owners, landlords and property managers.
Denied, delayed or underpaid
Insurers that refuse to pay, stall the claim or offer far less than the repairs cost.
Is your claim worth a second look?
Answer three quick questions. Nothing is sent until you request a review.
How your case moves forward
You will always know where your case stands and what happens next.
Case review
We review your policy, the damage and the insurer's decision, then explain your options in plain language.
Documentation
We document the loss with photos, estimates and independent experts where the claim calls for it.
Negotiation
We present the claim and press the insurer to pay what the policy owes.
Litigation
If the insurer still will not pay, we are prepared to take the claim to court.
Led by a former insurance defense attorney.
Lazaro De La Noval began his career defending insurance companies. Since 2016 he has represented hundreds of homeowners and businesses in insurance disputes.
Meet LazaroCommon questions
General information only, not legal advice. Every case is different.
My claim was denied. Is it too late to do anything?
Not necessarily. A denial is often the start of the conversation, not the end. Florida law sets deadlines for reporting and disputing a claim, so have an attorney review your policy and the denial letter as soon as you can.
How long do I have to report property damage in Florida?
For most property claims, Florida law now requires notice to your insurer within one year of the date of loss, and supplemental claims within 18 months. Deadlines can depend on the policy and on when the loss happened, so call us if you are unsure.
What should I do right after the damage?
Photograph everything before cleanup, make temporary repairs to prevent further damage and keep the receipts, and report the claim to your insurer promptly.
Should I accept the insurer's first offer?
Not before you understand it. Underpaid claims are common, and accepting a payment can make it harder to recover the rest. We can compare the offer with your policy and the real cost of repairs.
Do you handle commercial claims?
Yes. We represent business owners, landlords and property managers as well as homeowners.
Request a case review.
Tell us what happened. An attorney will review your information and call to explain your options in plain language.
No recovery, no fee.
- Call the firm
- (786) 257-8847
- Office
- 8780 NW 18th Terrace, Doral, Florida 33172
- Hours
- Monday to Friday, 8:30 AM to 5:00 PM
Tell us about your case
It takes about two minutes. Everything you share stays confidential.
Sending this form does not create an attorney-client relationship.