
My insurance company says the damage is "wear and tear" or "pre-existing."
Can I still file a claim?
Can I still file a claim?
Yes, this is one of the most common denial tactics in Florida. Insurers often try to categorize storm damage (like a roof leak) as "long-term neglect" to avoid paying. However, if a storm or specific event exacerbated an issue or was the primary cause of the loss, you may still be covered. We use independent experts and engineers to prove the damage was caused by a covered event, not just old age.
Why was my legitimate hurricane or storm claim denied?
In 2024, Florida insurers closed nearly half (46.7%) of home insurance claims without payment. Common reasons include claiming the damage didn't meet the deductible, blaming "flood" instead of "wind" (which requires separate policies), or citing complex policy exclusions you may not have noticed. A denial is not the final word; it is often just the beginning of the negotiation process.
Do you handle renters insurance claims, or just homeowners?
We handle both. While homeowners claims often involve the structure (roof, walls), renters insurance claims focus on your personal property (furniture, electronics, clothing) damaged by fire, water, or theft. If your insurer is refusing to pay the full value of your lost belongings, we can advocate for you.

