Insurance disputes need three things.

Filing Requirements

Report the Damage Promptly

Homeowners insurance claims generally must be reported within the deadlines set by Florida law and your insurance policy. Delays could affect your ability to recover.

Meet Your Policy Requirements

Homeowners are typically required to protect the property from further damage, cooperate with inspections, and provide requested records and information.

Document Your Losses

Photographs, repair estimates, receipts, and other documentation can help support your claim and show the full extent of the damage.

Receive a Coverage Decision

Your insurance company generally must investigate your homeowners insurance claim and issue a coverage decision before a lawsuit can be filed.

Complete the Pre-Suit Process

Florida law generally requires homeowners to submit a Notice of Intent to Initiate Litigation before filing most homeowners insurance lawsuits.

File Before the Deadline

Homeowners insurance lawsuits are subject to legal deadlines, so taking prompt action can help preserve your right to pursue compensation.

Results may vary depending on your particular facts and legal circumstances.

How We Can Help

Review Your Insurance Policy

We examine your policy to determine what coverage applies, identify exclusions, and explain your rights under the policy.

Investigate and Document the Damage

We gather evidence, review estimates, and work with experts when needed to build a strong claim supported by documentation.

Handle Communication With the Insurance Company

We communicate directly with the insurer, respond to requests, and help prevent unnecessary delays or misunderstandings.

Challenge Wrongful Denials or Underpayments

If your claim was denied, delayed, or underpaid, we can dispute the insurer's decision and pursue the benefits you may be entitled to.

Negotiate a Fair Settlement

We negotiate with the insurance company to seek compensation that reflects the full extent of your covered losses.

Take Legal Action if Necessary

If the insurance company refuses to resolve the dispute fairly, we can file a lawsuit and represent you throughout the litigation process.

It's easy to get started.

The Fee Is Free®.
Only pay if we win.

  • Number 1
    Submit your claim
    With a free case evaluation, submitting your case is easy with Morgan & Morgan.
  • Number 2
    We take action
    Our dedicated team gets to work investigating your claim.
  • Number 3
    We fight for you
    If we take on the case, our team fights to get you the results you deserve.

In Their Words

Real clients share their experience.

When it came to negotiating, they didn't just settle for anything. They definitely went to the bat for me.

Lashondra
lashondra
Wistia

They took care of me, and now we're doing okay. Thank God that I went to Morgan & Morgan.

Ray
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Wistia

The company handled absolutely everything from start to finish.

Sean
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Wistia

Lashondra

lashondra

Ray

Video thumbnail for ordsi98jme

Sean

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Results may vary depending on your particular facts and legal circumstances.
Based on select nationwide reviews.
FAQ
  • What is a homeowner insurance claim?

    It’s a request to your insurer to cover damage or loss to your home or belongings under your policy.

  • What types of damage are typically covered?

    Common examples include fire, storm, theft, water damage, and liability if someone is injured on your property.

  • Why might my claim be denied?

    Claims can be denied due to policy exclusions, missed deadlines, insufficient documentation, or disputes over damage value.

  • How can a lawyer help with my claim?

    An attorney can review your policy, gather evidence, negotiate with the insurer, and take legal action if needed to secure your compensation.

  • Do I have to pay upfront for legal help?

    We work on contingency, which means we don’t get paid unless you do.

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