Property Damage Lawyer in Plantation, Florida – Get Help Filing and Fighting Insurance Claims

Plantation, Florida, is no stranger to tropical storms, floods, and other hazards that cause property damage. Whether it’s a leaking roof after heavy rain, mold caused by poor drainage, or fire damage from an electrical fault, the aftermath is stressful—and your insurance company might not make it any easier.

If you’re dealing with delays, underpayments, or outright denials, working with a property damage lawyer in Plantation can help ensure you get the full compensation you’re entitled to. This article covers your legal rights, how claims work, and when to hire an attorney to handle disputes.

Types of Property Damage Common in Plantation

Due to its location and climate, Plantation residents frequently face:

• Wind and hurricane damage

• Roof and ceiling leaks

• Flooding and water intrusion

• Mold from water exposure or HVAC issues

• Fire and smoke damage

• Vandalism and break-ins

Insurers may try to claim these were caused by wear and tear or improper maintenance—even when the issue clearly stemmed from a sudden event. Understanding how to frame your claim and what your policy really covers is critical.

You can also seek federal assistance through FEMA if your property was affected during a federally declared disaster, including major hurricanes or floods.

What to Expect from the Insurance Claim Process

When you file a claim in Florida, this is what generally happens:

1. You notify your insurer and submit your claim.

2. An adjuster inspects the property and estimates repair costs.

3. You receive a settlement offer.

4. You negotiate—or accept it if it’s fair.

5. If the offer is too low or the claim is denied, you can dispute it.

Florida law requires that insurers follow strict deadlines. Under Florida Statute 627.70131, insurance companies must acknowledge your claim within 14 days and either approve or deny it within 60 days.

Why Insurance Companies Deny or Undervalue Claims

Even with a valid policy, many property owners encounter pushback when trying to collect fair compensation. Common tactics include:

• Claiming the damage is excluded from coverage

• Arguing the damage existed before the event

• Using low repair estimates that don’t reflect actual costs

• Requiring multiple rounds of documentation

• Delaying their response to pressure you into settling

You can file complaints with the Florida Office of Insurance Regulation if your insurer acts in bad faith, but having a lawyer involved often gets better results faster.

When Should You Contact a Property Damage Lawyer?

You don’t need to wait until a claim is denied to get legal support. Consider hiring an attorney when:

• The settlement offer doesn’t cover the full cost of repairs

• Your insurance company is dragging out the process

• You’re unsure what’s actually covered in your policy

• The adjuster’s report minimizes or misrepresents the damage

• You’ve had claims denied in the past

An experienced property damage lawyer can help you gather strong evidence, interpret your policy, and push back against unfair treatment from your insurer.

How Louis Law Group Can Help

At Louis Law Group, we represent property owners across South Florida, including Plantation, who are facing insurance claim challenges after property damage. Whether your home was hit by storm winds or your business flooded due to a plumbing issue, we’re here to help you recover what you’re owed.

Our legal support includes:

• Policy review to confirm your coverage

• Documentation and expert estimates to back your claim

• Negotiation with insurers to seek a fair payout

• Litigation support if your case goes to court

We understand the tactics insurance companies use—and how to beat them. With our help, you can avoid costly mistakes and move forward with peace of mind.

Helpful resource: What to Do if Your Property Damage Claim Is Denied

Tips to Strengthen Your Claim

To give yourself the best chance at a successful payout:

• Take photos of damage immediately

• Keep all receipts, reports, and repair estimates

• Write down who you spoke to and what was said

• Don't sign anything without understanding the terms

• Get a second opinion if the adjuster’s numbers seem low

If your damage was weather-related, FEMA’s website offers checklists and support options that may be helpful while waiting on insurance.

Frequently Asked Questions (FAQ)

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

You generally have up to 1 year from the date of the damage to file a claim, though your policy may list shorter or longer windows. Always check your specific terms.

Q: Can I reopen a claim that was underpaid?

Yes. If you received a partial payment that doesn't reflect the full cost of repair, a lawyer can help you challenge it and recover additional funds.

Q: What if my insurance company is ignoring me?

Florida law requires a response within 14 days. If they fail to comply, legal action may be warranted to force a timely review.

Q: Is mold damage covered by insurance?

It depends. Mold caused by sudden water damage (like a burst pipe) may be covered. Mold from long-term leaks or humidity may not be.

Q: Do I have to go to court if I hire a lawyer?

Not necessarily. Most disputes are resolved through settlement. Court is usually a last resort, but your lawyer can prepare for either scenario.

Conclusion

Living in Plantation means being prepared for sudden weather shifts, storms, and unexpected property damage. But while fixing your home or business is urgent, your insurance claim shouldn't leave you feeling helpless or frustrated. A qualified property damage lawyer can make all the difference—ensuring your claim is respected, your rights are protected, and your recovery is complete.

If you need help navigating the process, Louis Law Group is here to fight on your behalf—so you can get back to what matters most.

Isn’t it time you got the full value of the insurance you’ve been paying for?

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.