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Property Insurance Claims

Property Insurance Dispute Firm Serving Miami

Was Your Claim Denied or Underpaid? Our Florida Attorneys Can Help.

If your insurance provider has offered you a lowball settlement, refused to pay your claim in full, or denied your property claim, Cernitz Law can help. With more than five dozen years of combined experience, our Miami property insurance dispute lawyers are extensively experienced in all aspects of property insurance claims, including issues and disputes related to both residential and commercial properties. We have handled thousands of cases, taken on every major insurance company, and successfully secured millions of dollars for our clients. If you are struggling to rebuild your life after the devastation left behind by a hurricane, tornado, tropical storm, windstorms, floods, fire, plumbing loss or another disaster or loss, we are here to help.

Contact us online or call (305) 370-3255 now to find out if you have grounds for legal action. Free consultations are available. Se habla Español.

Property Damage Claims We Handle

The Cernitz Law team is equipped to handle property insurance disputes resulting from:
  • Broken plumbing pipes
  • Burglary
  • Business income/interruption loss due to property damage
  • Collapses
  • Covid-19 business interruption claims
  • Explosions
  • Fires
  • Hail
  • Hurricanes
  • Lightning strikes
  • Plumbing issues
  • Sinkholes
  • Smoke
  • Theft
  • Tornados
  • Tropical storms
  • Vandalism
  • Vehicle impact
  • Water leaks
  • And more
Additionally, we can assist you if your insurance provider has engaged in bad faith practices. Insurance bad faith occurs when an insurance provider wrongfully delays or denies a claim. Whether you simply need assistance reviewing your insurance policy or are forced to take your insurance provider to court for bad faith practices, we have your back.

We Know How to Litigate Against Common and Unique Insurance Company Tactics

Like all businesses, insurance companies are primarily driven by profit. Because of this, they often do everything they can to minimize payouts—even when it comes at the expense of policyholders. At Cernitz Law, we are highly experienced in Florida property damage claims. We know the common loopholes used by insurance companies to avoid paying claims in full and, most importantly, we know how to fight against these tactics.

Some common tactics taken by insurance companies to avoid paying claims in full (or altogether) include:

  • Wrongfully denying coverage for part or all of a claim
  • Asserting that a claim is excluded and/or not covered by the policy
  • Purposefully delaying the processing and/or payment of a claim
  • Asserting that an action or inaction taken by the policyholder voids coverage
  • Attempting to force policyholders to accept a low settlement offer
  • Making misleading or outright false statements regarding a policy and/or coverage
  • Requiring release of supplemental claims as a condition of a payment or settlement
  • Undervaluing property damage estimates

While insurance claims often get denied for legitimate reasons—notice of proof and loss, exclusions, pre-existing damage, wear and tear, recession, etc.—you should contact a lawyer the moment you suspect your claim may have been mishandled to learn about your legal rights and options.

Let Us Help You Recover from Your Losses

When you are dealing with the loss of your home or business, the last thing you need is an insurance dispute. Our skilled attorneys can assist you with every aspect of your property damage claim, from initial reporting of the claim to filing suit on a denied or underpaid claim. We are prepared to aggressively represent you in court and work to secure the full and fair payment you deserve. We assist individuals, homeowners, small business owners, commercial property owners, condominium owners, Condo Associations, boat owners, automobile owners, and others who have suffered considerable property damage due to a wide range of losses.

We have what it takes to help you navigate the property damage claim process. Call (305) 370-3255 or send us a message online to speak to a lawyer at our property insurance dispute firm in Miami now.

What Clients Are Saying

- Robert M.

Justin Cernitz - I would definitely describe you as personable, compassionate, sincere, and a brilliant negotiator! You masterfully performed and strategically described the different scenarios with the best possible outcome to the teeth and accurately del

- Raul V.

Cernitz Law did an excellent job representing us on a property and casualty insurance matter and I wouldn't hesitate to engage them again in the future. They were extremely professional and we were very pleased with our results.

- Tom W.
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Great knowledgeable attorneys who get you winning results! The insurance company denied my homeowner’s property damage claim leaving me with the bill for the repairs. Justin personally handled my case, answered all my questions, and got me a great

- Brian B.

Very professional, answered all our questions always responded in a timely manner. Accomplished what he said he would do. Very happy with the service we received.

- Kathy D.
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