Property Damage Lawyer in Boca Raton, Florida – Get Legal Help With Your Insurance Claim

Boca Raton is a beautiful place to live, but when storms, floods, or other unexpected events cause damage to your property, the recovery process can be frustrating—especially when your insurance company doesn’t cooperate.

If your claim has been delayed, denied, or undervalued, working with a property damage lawyer in Boca Raton can make a big difference. This article explains the types of damage typically covered by insurance, how the claims process works, and when it’s time to get legal support.

Common Types of Property Damage in Boca Raton

Homeowners and business owners in Boca Raton face a wide range of risks due to weather, accidents, and crime. These include:

• Hurricane and windstorm damage

• Roof and ceiling leaks

• Flooding and water intrusion

• Mold growth due to moisture

• Fire or electrical damage

• Vandalism and burglary

While most of these incidents are covered under standard insurance policies, insurers may use fine print or vague terms to reduce or deny payouts. They may blame pre-existing damage, neglect, or excluded causes even when the claim is legitimate.

If the damage is caused by a declared disaster, you may also qualify for FEMA Individual Assistance, which can help with temporary housing and emergency repairs.

How the Property Damage Claims Process Works in Florida

Understanding the claims process is the first step toward protecting your property and finances. Here’s what usually happens:

1. You report the damage to your insurance company.

2. An adjuster visits to assess the damage.

3. You receive a settlement offer, often lower than expected.

4. You negotiate or dispute the offer if it doesn’t reflect actual repair costs.

5. Legal support may be needed if the insurer doesn’t act fairly.

According to Florida Statute 627.70131, insurers must acknowledge your claim within 14 days and issue payment (or explain denial) within 60 days. If they don’t follow the law, you can take legal action.

Why Insurance Companies Undervalue or Deny Claims

Insurance companies are businesses—and unfortunately, many aim to protect profits over policyholders. Common tactics include:

• Arguing that the damage was wear and tear, not sudden

• Providing lowball repair estimates

• Delaying communication to wear you down

• Using complex language to confuse homeowners

• Demanding repetitive or unnecessary documentation

If your claim is being mishandled, you can report your insurer to the Florida Office of Insurance Regulation (FLOIR). However, involving a lawyer often leads to quicker and more favorable results.

When Should You Hire a Property Damage Lawyer?

You don’t need to wait for a denial to seek legal help. You should contact a property damage lawyer in Boca Raton if:

• Your insurer has not responded within the legal timeframe

• The settlement offer doesn’t cover all repair costs

• Your claim was denied unfairly

• You’re struggling to interpret the policy terms

• You feel pressured into accepting a fast, low offer

Having a lawyer on your side helps ensure your voice is heard and your evidence is considered. Lawyers can also coordinate with public adjusters, contractors, and engineers to support your claim.

What You Can Do to Strengthen Your Claim

Even before you hire a lawyer, here are a few actions you can take:

• Take clear photos and videos of all damage

• Save receipts and invoices for emergency repairs

• Request a copy of the insurance adjuster’s report

• Get your own independent estimate if possible

• Avoid signing a release until you fully understand the terms

If your claim is storm-related, FEMA provides excellent resources to guide you through cleanup and temporary housing options.

How Louis Law Group Helps Boca Raton Residents

At Louis Law Group, we help homeowners and property owners in Boca Raton resolve difficult insurance claims. Our team understands how insurers operate and what it takes to get them to pay fairly.

We can help you by:

• Reviewing your policy and rights under Florida law

• Gathering expert estimates and evidence

• Negotiating a higher settlement

• Filing a lawsuit if your insurer fails to act in good faith

We’ve helped countless Florida residents recover from hurricanes, fires, and water damage—and we’re here to help you too.

Recommended reading: What to Do if Your Property Damage Claim Is Denied

Frequently Asked Questions (FAQ)

Q: How long do I have to file a claim in Florida?

Florida law typically gives homeowners one year to file a property damage claim. However, it’s best to file as soon as possible to avoid delays or disputes.

Q: Can I reopen my claim if I already accepted a partial payment?

Yes. If the amount you received is insufficient or if new damage has appeared, you can request a supplemental payment or reopen the claim.

Q: Is mold covered by my insurance policy?

It depends on the cause. If mold resulted from a covered event (like a burst pipe or roof leak), it may be covered. Gradual mold from poor maintenance usually isn’t.

Q: Do I need to go to court to resolve my claim?

No. Many disputes are resolved through negotiation or mediation. A lawyer can help you settle without ever stepping into a courtroom.

Q: What if my insurer stops responding altogether?

You can escalate the matter legally. Florida law requires timely responses, and ignoring a claim can be grounds for a bad-faith lawsuit.

Conclusion

Your property is one of your most valuable investments. When damage strikes, your focus should be on recovery—not battling with your insurance company. A property damage lawyer in Boca Raton can help you protect your rights, navigate confusing policy terms, and get the compensation you need to rebuild.

At Louis Law Group, we’re committed to helping Boca Raton residents overcome unfair claim practices and recover what they’re owed. If your insurer isn’t playing fair, we’re ready to step in and fight for you.

Are you ready to take back control of your insurance claim and your peace of mind?

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.