Practice Areas
South Florida Home Insurance Claim Lawyer
Home Insurance
Your Homeowners Claim Was Denied. That's Not the End
Florida has one of the hardest homeowners insurance markets in the country, and policyholders feel it most at the worst possible moment, right after a loss. You pay your premiums faithfully for years, and then the storm hits, the pipe bursts, or the roof fails, and suddenly your insurer is slow to respond, eager to underpay, or looking for a technicality to deny your claim outright. At Furmanski Law Group, Daniel Furmanski represents homeowners against their own insurance companies and fights for the full payout the policy actually promises, in English or Spanish.
The claims we handle
We help homeowners across Broward and Miami-Dade with the full range of property losses. These include hurricane and windstorm damage, water damage from burst pipes and plumbing failures, roof damage, fire and smoke damage, mold, and losses from theft and vandalism. South Florida’s exposure to severe weather makes many of these claims seasonal and predictable, and insurers are well practiced at minimizing them. We are equally practiced at holding them accountable.
Why insurers underpay or deny claims
Insurance companies use a familiar set of tactics. A field adjuster may inspect quickly and estimate the damage far below its true cost. The insurer may label your loss as pre-existing or the result of wear and tear that the policy excludes. It may argue that you missed a deadline or failed to follow a notice requirement. It may apply aggressive depreciation to reduce what it pays. And sometimes it simply delays, hoping you will give up or accept a fraction of what you are owed. Recognizing these tactics is the first step to defeating them.
First-party claims and bad faith
Most homeowner claims are first-party claims, meaning the dispute is between you and your own insurer over what the policy covers. When an insurer’s conduct goes beyond a reasonable disagreement and becomes unreasonable delay or denial, Florida law may provide a separate remedy for insurance bad faith. We evaluate whether your insurer has crossed that line and pursue every avenue the law allows to make it pay what it owes.
Florida's claim rules and deadlines
Recent reforms have tightened the rules for property insurance claims in Florida. Policyholders generally must give notice of a new claim within a defined window, and there are separate, shorter deadlines for supplemental and reopened claims. The law on assignment of benefits has also changed. These deadlines are strict, and missing one can jeopardize an otherwise valid claim, which is why early action is so important. We make sure your claim is presented properly and on time.
What we do for you
Our approach is methodical. We re-inspect the property and document the true scope of the damage, often with independent experts. We read the policy closely to identify every coverage that applies. We invoke the policy’s appraisal or dispute provisions when that is the fastest path to a fair result, and we litigate when the insurer refuses to deal honestly. Throughout, we keep you informed and handle the insurer so you do not have to.
Why South Florida homeowners choose Furmanski Law Group
You should not have to fight your own insurance company alone, especially while you are also trying to repair your home. Daniel Furmanski gives you direct access to him, reads the fine print the insurer is counting on you to ignore, and pushes hard for the full value of your claim. He serves clients in English and Spanish and works on a contingency fee, so you owe nothing unless he recovers for you.
Frequently Asked Questions
Frequently Asked Questions About
Q: Should I hire a lawyer or a public adjuster?
They serve different roles, and in some cases both add value. We can explain the difference and what is right for your situation.
Q: My claim was denied. Can it be reopened?
Often yes, particularly within the supplemental or reopened claim window. A denial is frequently the beginning of the fight, not the end.
Q: How long do I have to file in Florida?
The notice deadlines are strict and were shortened by recent reforms. Call promptly so we can confirm your specific deadline and protect your claim.
Direct Lawyer Access
Talk directly with your lawyer today
If your homeowners claim was delayed, underpaid, or denied, you do not have to accept the insurer’s word as final. Call Furmanski Law Group at +1 (305) 900-6657 for a free, bilingual consultation.
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