Denied or Delayed Property Damage Claim in Deerfield Beach Here's How to Fight Back

If your property damage claim was denied or delayed in Deerfield Beach, you're not alone—and you have rights. Insurance companies are notorious for slow responses, vague explanations, and unjustified denials. But don’t let them wear you down. With the right approach, you can challenge their decision and potentially recover what you’re owed.

Here’s how to fight back and protect your property.

Why Property Damage Claims Get Denied or Delayed

Insurance companies may delay or deny valid claims for several reasons:

• Missing or incomplete documentation like repair estimates, photos, or police reports

• Policy exclusions that are vaguely defined or misunderstood

• Disputes over the cause or extent of the damage

• Allegations of misrepresentation or inconsistencies in your claim

According to the Florida Division of Consumer Services, policyholders have the right to receive a detailed explanation when a claim is denied or delayed. Florida law also requires insurers to respond to claims promptly, usually within 14 days of notice and to pay undisputed amounts within 90 days

Why You Might Need a Property Damage Lawyer in Deerfield Beach

Taking on an insurance company alone can be overwhelming. That’s where Louis Law Group steps in. With extensive experience in Florida insurance law, our team is dedicated to helping Deerfield Beach homeowners resolve denied or delayed claims efficiently and effectively.

We help by:

• Analyzing your policy and denial reasoning

• Gathering the right documentation and expert evaluations

• Filing formal disputes or lawsuits when needed

• Negotiating settlements that reflect your actual losses

We fight for policyholders—not insurers—and we don’t get paid unless we win for you.

What to Do After Your Claim Is Denied or Delayed

Here’s what you should do immediately:

1. Review the Denial or Delay Letter Check for specific reasons, vague wording, or any reference to policy exclusions. Request clarification if needed.

2. Organize All Documentation This includes a copy of your policy, photos, videos, receipts, and all communications with your insurer. The Florida Department of Financial Services recommends keeping thorough records during any claims process.

3. File a Complaint or Seek Help If you suspect bad faith or an unjustified delay, you can file a complaint with the Florida Department of Financial Services – Consumer Services Division

4. Consult with a Property Damage Attorney An experienced attorney can help determine if your denial was lawful and advise you on the next legal steps.

How Louis Law Group Helps Deerfield Beach Homeowners At Louis Law Group, we offer free consultations to review your denial and provide clear advice on how to proceed. We handle:

Claims related to hurricanes, floods, fire, mold, theft, and more

Complex policy disputes

Litigation when negotiation fails

Best of all, we operate on a contingency fee basis—meaning we don’t get paid unless you do.

Frequently Asked Questions (FAQs)

Q: What should I do if my property damage claim was denied in Deerfield Beach?

Start by carefully reviewing your denial letter and insurance policy. Then gather all supporting documents like photos, repair estimates, and communications with your insurer. Consider filing a complaint with the Florida Department of Financial Services and consult with a property damage lawyer to explore legal options.

Q: How long does an insurance company have to respond to a property damage claim in Florida?

Under Florida law, insurers must acknowledge your claim within 14 days and pay or deny it within 90 days of receiving notice, assuming no factors beyond their control prevent timely action (Florida Statutes § 627.70131).

Q: Can I reopen a denied insurance claim in Florida?

Yes, you can. If new evidence becomes available or if you believe the denial was in bad faith or based on incorrect information, you can request a reconsideration or file an appeal. An attorney can help strengthen your case and pursue a legal remedy if necessary.

Q: What are signs that my claim was denied in bad faith?

Red flags include: vague or changing explanations, excessive delays without updates, failure to investigate your claim, or pressure to accept a low settlement. If you experience any of these, speak with a property damage lawyer right away.

Q: Will hiring a lawyer delay my claim even more?

• On the contrary, hiring a lawyer often accelerates the process. Insurance companies take claims more seriously when legal representation is involved. A lawyer can also prevent further delays by ensuring the insurer complies with all legal timeframes.

Conclusion: Don’t Let the Insurance Company Win

A denied or delayed property damage claim can turn your life upside down—but you’re not powerless. You have rights under Florida law, and help is available. At Louis Law Group, we advocate fiercely for homeowners in Deerfield Beach, making sure insurers play by the rules and pay what they owe.

Whether you’re dealing with hurricane damage, water intrusion, fire loss, or vandalism, we’re here to fight for you.

Contact Louis Law Group today for a free consultation. Call 833-657-4812 or submit a free case evaluation form to get started. Don’t wait—let us help you take the first step toward justice and financial recovery.