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# Kuhn Raslavich, P.A.: Florida Attorneys At Law | Tampa | Boca Raton

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## Posts
- [Your South Carolina Insurance Settlement Is Too Low: Here Is What to Do](https://thekrfirm.com/your-south-carolina-insurance-settlement-is-too-low-here-is-what-to-do/): If your insurance company just sent you a settlement offer that will not come close to covering your repairs, you are not alone, and you do not have to accept it. Homeowners and business owners across South Carolina run into this problem with a property damage insurance claim after almost every major storm season, and the adjuster's estimate often doesn't come close to the real-world cost of putting the property back together.
- [How To Request State Mediation For A Denied Florida Property Claim in Florida](https://thekrfirm.com/how-to-request-state-mediation-for-a-denied-florida-property-claim-in-florida/): Key Takeaways: Florida's section 627.7015 mediation program lets policyholders request a state-administered claim resolution conference after a denial or underpayment, without first filing suit or entering appraisal. The Department of Financial Services administers the program and sets mediator rules. Policyholders, insurers, and assignees may request a conference, though insurers generally aren't required to participate when a third-party assignee makes the request. Eligibility covers personal lines and commercial residential property claims but excludes commercial coverages, private passenger auto, and liability disputes. Gather your denial letter, policy provisions, photographs, estimates, and the DFS request form. Two 2025 bills would have changed the process but neither passed, so the current statute governs. A mediator cannot impose an outcome, leaving appraisal, breach of contract, or statutory remedies as next steps.
- [Condominium Association Property Insurance Claims in North Carolina: A Guide for HOAs and Unit Owners](https://thekrfirm.com/condominium-association-property-insurance-claims-in-north-carolina-a-guide-for-hoas-and-unit-owners/): When a storm rips into a shared roof or a supply line bursts behind a common wall, figuring out who pays is rarely simple inside a North Carolina condominium. Two separate insurance policies usually respond to the same loss, and each one covers a completely different slice of the building, which means a routine North Carolina property insurance claim can turn into a standoff between carriers before a single repair crew shows up.
- [How To File A Notice Of Intent To Initiate Litigation In Florida](https://thekrfirm.com/how-to-file-a-notice-of-intent-to-initiate-litigation-in-florida/): Key Takeaways: To sue a property insurer in Florida, you must submit a written notice of intent to initiate litigation to the Department of Financial Services on its official form under Fla. Stat. § 627.70152(3)(a). The statute applies to all suits arising under residential or commercial property insurance policies. The notice must be filed at least 10 business days before suit and generally cannot be submitted until the insurer has made a coverage determination under Fla. Stat. § 627.70131. It must state it is provided pursuant to the statute, describe the insurer's acts or omissions, and include an estimate of damages after a denial or an itemized presuit settlement demand for other disputes. Service may toll the Fla. Stat. § 95.11 limitations period for 10 business days in limited circumstances. Premature submission and incomplete itemization are common defects that can derail a lawsuit.
- [How The Florida Hurricane Deductible Calendar Year Rule Protects Homeowners](https://thekrfirm.com/how-the-florida-hurricane-deductible-calendar-year-rule-protects-homeowners/): Key Takeaways: For personal lines residential policies, Florida's hurricane deductible generally applies once per calendar year under Fla. Stat. § 627.701(5)(a)1, provided losses fall under policies issued by the same insurer or insurer group. If a later hurricane strikes the same year, the insurer may apply only the greater of the remaining hurricane deductible or the standard deductible. With multiple policies from the same insurer group, the deductible is the highest amount in any one policy, and separate structures are evaluated individually. The protection depends on staying with the same insurer or group, so switching carriers mid-season can reset the deductible. A lower deductible at renewal after a loss generally takes effect January 1 of the following year. Hurricane deductibles are triggered by storms declared hurricanes by the National Hurricane Center and apply from hurricane watch or warning issuance for any part of Florida until 72 hours after termination. Disputes often turn on storm characterization, timing windows, and claim deadlines.
- [What Is An Examination Under Oath In Florida Property Insurance Claims?](https://thekrfirm.com/what-is-an-examination-under-oath-in-florida-property-insurance-claims/): Key Takeaways: An examination under oath (EUO) is a formal, recorded proceeding where an insurance company's attorney questions a sworn policyholder about a property insurance claim. In Florida, the duty to sit for an EUO arises from the policy's "duties after loss" conditions, and related statutory provisions in Chapter 627, such as § 627.7152, recognize EUOs and recorded statements as conditions precedent to suit. Insurers use EUOs to verify ownership, occupancy, the date and cause of loss, scope of damage, and values claimed. An EUO differs from an informal recorded statement and from regulatory examinations under Fla. Stat. § 624.3161(7). Cooperation is contractual, and unreasonable refusal can jeopardize benefits, though policyholders retain rights under the Homeowner Claims Bill of Rights (Fla. Stat. § 627.7142) and payment timelines (Fla. Stat. § 627.70131). Careful preparation, organized records, and truthful answers provide the strongest protections, as material misrepresentation defenses frequently follow examinations. If denied, the contract claim must generally be resolved first, as Fla. Stat. § 624.1551 requires adverse adjudication before a property insurance bad faith action may proceed.
- [Hail Damage to Commercial Buildings in South Carolina: What Property Owners Need to Know](https://thekrfirm.com/hail-damage-to-commercial-buildings-in-south-carolina-what-property-owners-need-to-know/): A spring storm rolls across the Upstate, and within minutes your roof, your rooftop units, and your signage take a beating you cannot see from the parking lot. Weeks later, the settlement offer arrives, and it covers a fraction of what your contractor says the repairs will cost. If that sounds familiar, you are not imagining the gap. Large commercial hail losses are some of the most heavily scrutinized, and most frequently underpaid, claims an insurer handles, and a commercial property damage claim in South Carolina that turns on hail is no exception.
- [Hurricane Season 2026: What NC Homeowners Must Do Before the Next Storm Hits](https://thekrfirm.com/hurricane-season-2026-what-nc-homeowners-must-do-before-the-next-storm-hits/): Hurricane season runs from June through November, and the safest time to prepare is right now, before a named storm shows up on the map. As North Carolina storm damage claim attorneys, we see the same pattern every year: the homeowners who recover fastest are the ones who read their policy and documented their home long before the wind arrived. Once a system is in the forecast cone, your options narrow fast. Insurers often stop writing new flood and wind coverage when a storm is threatening, supplies run short, and you lose the calm hours you need to photograph your property and read your policy line by line.
- [Mold Damage Insurance Claims in North Carolina: What Is and Is Not Covered](https://thekrfirm.com/mold-damage-insurance-claims-in-north-carolina-what-is-and-is-not-covered/): After a storm or a water loss, mold can take hold in a matter of days. In western North Carolina, the flooding and saturation that followed Hurricane Helene left many homeowners fighting mold long after the water receded. If you have already filed a North Carolina storm damage claim, or you are about to, you have probably hit a confusing question: does your homeowners policy actually pay to remove the mold?
- [Storm Damage Roof Insurance Claim: Can You Get a New Roof After a Storm?](https://thekrfirm.com/storm-damage-roof-insurance-claim/): After a major storm, one of the first questions many homeowners ask is whether their insurance company will pay for a new roof. The answer depends on the damage, your policy, and whether repairs would truly return the roof to its pre-loss condition. For homeowners in Florida, a storm damage roof insurance claim can become frustrating when the carrier says a few repairs are enough, even though the roof may have more serious wind or hail damage than the first estimate suggests.
- [Home Insurance Claim in Florida: How Long Should It Take?](https://thekrfirm.com/florida-home-insurance-claim-time/): When you file a home insurance claim in Florida, you probably expect the process to move quickly. After all, your roof, walls, flooring, or personal property may need repairs right away. But many homeowners discover that getting a clear answer from the insurance company is not always simple.
- [Can I Negotiate a Higher Roof Damage Insurance Payout?](https://thekrfirm.com/negotiate-roof-insurance-payout/): A roof damage insurance payout can feel final when the check arrives, but that first payment is not always the end of the claim. Many Florida homeowners assume the insurance company’s estimate is complete and accurate. In reality, roof estimates can leave out important repair costs, underprice materials, or use labor numbers that do not match what contractors are actually charging.
- [How Do You Prove a Hail Damage Insurance Claim in Florida?](https://thekrfirm.com/prove-hail-damage-insurance-claim/): After a hailstorm, many Florida property owners assume the damage will be obvious and the insurance company will simply pay for repairs. Unfortunately, proving a hail damage insurance claim is often more complicated than pointing to a damaged roof. Insurance companies may say the damage is cosmetic, unrelated to hail, or caused by age instead of a covered storm.
- [State Farm Denied Roof Claim: What Should You Do Next?](https://thekrfirm.com/state-farm-denied-roof-claim/): If State Farm denied your roof claim, it can feel like the process is already over. It is not. Many Florida homeowners receive denial letters that cite wear and tear, no storm-created opening, or damage that supposedly falls below the deductible.
- [Large Commercial Property Losses: Navigating Commercial Insurance Claim Disputes in Florida Without Inheriting a Second Job](https://thekrfirm.com/large-commercial-property-losses-navigating-commercial-insurance-claim-disputes-in-florida-without-inheriting-a-second-job/): Navigating commercial insurance claim disputes in Florida after a large property loss is rarely straightforward; these situations often involve extensive structural damage, severe water intrusion, catastrophic fire damage, or complex mechanical failures. When a large commercial loss strikes, it simultaneously destabilizes multiple facets of your operations—disrupting leases, inventory, payroll, equipment lines, building code compliance, tenant obligations, and business income all at once.
- [How Can a Property Damage Attorney Help With Your Insurance Claim?](https://thekrfirm.com/property-damage-attorney-insurance-claim/): When your home or property is damaged, you may assume your insurance company will simply review the claim and pay what the policy requires. Unfortunately, the process is often not that simple. A property damage attorney can help protect you when the insurance company delays, undervalues, or questions your claim.
- [Citizens Property Insurance Claim Denied in Florida: What Policyholders Need to Know in 2026](https://thekrfirm.com/citizens-property-insurance-claim-denied-in-florida-what-policyholders-need-to-know-in-2026/): A Citizens property insurance claim denied in Florida is often about far more than a dollar figure on a repair estimate. The real dispute can run through coverage, timing, causation, policy exclusions, inspection findings, and the way Citizens handled the claim from the start. A lawyer with Kuhn Raslavich, P.A., will evaluate all of it under the policy that was in force on the date of your loss. Use our online form or call (877) 352-7767 for a free case evaluation. There is no cost to find out where your claim stands.
- [Does Homeowners Insurance Cover Structural Damage in Florida?](https://thekrfirm.com/homeowners-insurance-structural-damage/): When you discover cracks, roof movement, foundation concerns, or damaged support beams, one of the first questions is whether your homeowners insurance covers structural damage. Many Florida homeowners assume the answer is simple: if the home is damaged, insurance should pay. In reality, the answer often depends on what caused the damage and how your policy defines covered losses.
- [Hail Damage Insurance Claim Denied: What Colorado Homeowners Need to Know](https://thekrfirm.com/hail-damage-insurance-claim-denied-what-colorado-homeowners-need-to-know/): We also watch for claim-handling problems that quietly limit your options. This includes things such as delayed inspections, vague explanations, denial reasons that keep shifting, or exclusions the carrier leans on without real factual support. A Denver hail damage insurance claim denied without a fair review can leave you in a tough spot, but that denial letter is not always the final word. Find out what we can do for you by reaching out through our online form or calling 970-400-7732 for a consultation.
- [Roof Storm Damage Claim Denied in Florida? Common Reasons Why](https://thekrfirm.com/roof-storm-damage-claim-denied/): If your roof storm damage claim denied letter left you confused or frustrated, you are not alone. Many Florida homeowners believe that visible roof damage after wind, rain, or hail should automatically be covered. Unfortunately, insurance companies often look for policy exclusions, timing issues, or narrow interpretations of the damage before agreeing to pay.
- [Hurricane Helene Property Damage Claims in North Carolina: Is It Too Late to File?](https://thekrfirm.com/hurricane-helene-property-damage-claims-in-north-carolina-is-it-too-late-to-file/): Do Not Delay Hurricane Helene Property Damage Claims in North Carolina
- [Denied Homeowners Insurance Claim in Florida? What to Do Next](https://thekrfirm.com/denied-homeowners-insurance-claim-florida/): A denied homeowners insurance claim can make it feel like the insurance company has already made the final decision. That is not always true. In Florida, many homeowners receive denial letters that rely on policy exclusions, technical wording, or assumptions about the damage that may not tell the whole story.
- [My Colorado Hail Damage Claim Was Denied: What Can I Do?](https://thekrfirm.com/my-colorado-hail-damage-claim-was-denied-what-can-i-do/): If your Colorado hail damage claim was denied, the denial is not always the end of the road. Hail claims in Colorado often turn on policy language, deductibles, repair estimates, and whether the carrier says the damage is old, cosmetic, excluded, or below the deductible. 
- [Late Reporting of Claim in Florida: When Is a Property Claim Considered Too Late?](https://thekrfirm.com/late-reporting-claim-florida/): If your insurance company denied your property damage claim for late reporting of claim in Florida, you may feel like the decision is final. Many homeowners assume that if the insurer says they waited too long, there is nothing they can do. That is not always true.
- [Hurricane Season Insurance Checklist: What Florida Homeowners Must Do Before June 1](https://thekrfirm.com/hurricane-season-insurance-checklist-what-florida-homeowners-must-do-before-june-1/): A strong hurricane season insurance checklist gives Florida homeowners a chance to fix coverage gaps before the first named storm starts moving through the Atlantic. Hurricane season runs from June 1 through November 30, which means policy review should occur early enough to make changes before carriers, agents, and service providers are overwhelmed.
- [Is Hail Damage Covered by Homeowners Insurance in Florida?](https://thekrfirm.com/hail-damage-homeowners-insurance-florida/): If a hailstorm damaged your roof, you may assume your insurance company will simply inspect the property and pay what is owed. Unfortunately, many Florida homeowners discover that a covered loss can still become a disputed claim. Hail damage covered by homeowners insurance often depends on how the damage is documented, how the policy is written, and whether the insurer agrees the storm caused functional damage.
- [Does Homeowners’ Insurance Cover Hurricane Damage in North Carolina?](https://thekrfirm.com/does-homeowners-insurance-cover-hurricane-damage-in-north-carolina/): When homeowners ask whether their policy covers hurricane damage, the answer depends on which part of the storm caused the loss. In North Carolina, a standard homeowners policy often covers certain wind-related damage, but flood damage is usually excluded. Coverage can also vary depending on where the home is located and whether the policy carries a separate wind, hail, or named storm deductible. 
- [Long-Term Seepage Insurance Denial in Florida: Is the Insurer Right?](https://thekrfirm.com/long-term-seepage-denial-florida/): A long-term seepage insurance denial in Florida can feel final, especially when your insurance company says the damage happened slowly over time. Many homeowners assume that once the carrier uses words like “constant seepage” or “repeated leakage,” there is nothing left to do.
- [What Is the Insurance Appraisal Clause and How Can It Help Your Florida Claim?](https://thekrfirm.com/what-is-the-insurance-appraisal-clause-and-how-can-it-help-your-florida-claim/): A well-written policy can give you more than one path when a payment dispute starts to grow. One of those paths is the insurance appraisal clause, which is often used in Florida property claims when the insurer and policyholder agree that covered damage exists but disagree about the dollar value of the loss. Florida law recognizes appraisal as a process for estimating or evaluating the amount of loss through an impartial umpire.
- [Video – How Long Can My Insurance Company Delay My Property Damage Claim Before It Is Bad Faith?](https://thekrfirm.com/how-long-can-my-insurance-company-delay-my-property-damage-claim-before-it-is-bad-faith/): If your property insurance claim is being delayed without explanation, you may be dealing with more than just frustration — you could be facing insurance bad faith. In the attached video, Florida property insurance attorney Ben Raslavich explains when delays cross the line from inconvenient to legally actionable under Florida law, and what homeowners can do to protect their rights.
- [Matching Shingles and Florida Roof Rules, When Insurance Should Pay for More Than a Patch](https://thekrfirm.com/matching-shingles-and-florida-roof-rules-when-insurance-should-pay-for-more-than-a-patch/): Florida homeowners often hear that a damaged roof can be fixed with a small repair and nothing more. The Florida shingle match rule can point in a different direction when a patch leaves the roof with obvious differences in color, size, or quality, especially when the policy pays on a repair or replacement cost basis. 
- [Video – How to fight a homeowners insurance claim denial](https://thekrfirm.com/how-to-fight-a-homeowners-insurance-claim-denial/): If your homeowners insurance claim has been denied, frustration is understandable — but it doesn’t mean the fight is over. In the attached video, Florida property damage attorney Clayton Kuhn outlines the key steps homeowners can take to challenge a denial and pursue the compensation they deserve.
- [Underpaid Roof Claim, How to Compare the Insurance Estimate to a Real Contractor Bid](https://thekrfirm.com/underpaid-roof-claim-how-to-compare-the-insurance-estimate-to-a-real-contractor-bid/): An underpaid roof claim often starts with two very different numbers on your desk. One comes from the insurance company’s estimate, and the other comes from a roofing contractor or public adjuster who has actually priced the work needed on your Florida home. That gap can leave you wondering whether the carrier missed damage, used low pricing, or left out work that code and construction conditions will require. 
- [How long can an insurance company delay a property insurance claim in Florida?](https://thekrfirm.com/how-long-can-an-insurance-company-delay-a-property-insurance-claim-in-florida/): If your property insurance claim feels like it’s dragging on with no clear answers, you’re not alone. In the attached video, Florida property insurance attorney Ben Raslavich explains the legal timelines insurers must follow and what homeowners can do when delays cross the line into potential bad faith.
- [Can I Fight My Insurance Company If They Underpaid My Roof Or Hail Damage Claim?](https://thekrfirm.com/can-i-fight-my-insurance-company-if-they-underpaid-my-roof-or-hail-damage-claim/): When your roof suffers storm or hail damage, the first insurance estimate you receive may not tell the full story. In the attached video, Florida property damage attorney Clayton Kuhn explains why underpayment of roof and hail damage claims is one of the most common problems homeowners face in Florida — and how you can fight back. 
- [Hurricane Roof Damage Claim Timeline, What to Do in the First 24 Hours, First Week, and First Month](https://thekrfirm.com/hurricane-roof-damage-claim-timeline-what-to-do-in-the-first-24-hours-first-week-and-first-month/): What should I do if my insurer undervalues my hurricane roof damage claim?
- [What Evidence Do I Need To Win A Dispute With My Insurance Company After Property Damage?](https://thekrfirm.com/what-evidence-do-i-need-to-win-a-dispute-with-my-insurance-company-after-property-damage/): When your home suffers storm or water damage, evidence is critical — and you may already have more than you realize. In the attached video, Florida property damage attorney Clayton Kuhn explains the essential evidence needed to win a dispute with your insurance company after property damage. Proper documentation can mean the difference between a denied or underpaid claim and full recovery.
- [Roof Leak After a Storm, What Photos and Notes Help Your Insurance Claim Most?](https://thekrfirm.com/roof-leak-after-a-storm-what-photos-and-notes-help-your-insurance-claim-most/): A roof leak insurance claim often turns on what you can show, not just what you can say. In Florida, where wind, heavy rain, and tropical systems can quickly push water into a roof, photos and careful notes can help show when the damage started, how far it spread, and why the carrier should treat it as a covered storm loss rather than a long-term maintenance issue. 
- [Can I Reopen A Closed Or Underpaid Homeowners Insurance Claim After A Storm?](https://thekrfirm.com/can-i-reopen-a-closed-or-underpaid-homeowners-insurance-claim-after-a-storm/): Many Florida homeowners believe that once their insurance claim is closed, the opportunity to recover additional funds is gone. In the attached video, Florida property insurance attorney Ben Raslavich explains how you can reopen a closed or underpaid homeowners insurance claim and why acting quickly is critical under Florida law.
- [Does Dwelling Coverage Include My Roof?](https://thekrfirm.com/does-dwelling-coverage-include-my-roof/): Dwelling coverage sits at the center of most Florida homeowner’s policies because it protects the structure you live in, including parts of the roof, when a covered event causes direct physical damage. Homeowners often ask, "Does dwelling coverage include the roof?" The answer depends on the policy language, the cause of loss, and the application of exclusions and deductibles.
- [What Are My Rights If My Insurance Company Lowballs My Hurricane Claim?](https://thekrfirm.com/what-are-my-rights-if-my-insurance-company-lowballs-my-hurricane-claim/): Many Florida homeowners receive an insurance check after a hurricane only to realize it barely covers any of the damage. In the attached video, Florida property insurance attorney Clayton Kuhn explains what to do if your insurance company lowballs your hurricane claim and how to enforce your rights under Florida law.
- [Does Home Insurance Cover Lightning Damage?](https://thekrfirm.com/does-home-insurance-cover-lightning-damage/): Homeowners across Florida ask the same question after a strong thunderstorm: Does home insurance cover lightning damage? In many policies, lightning is a covered peril, but the real outcome depends on your coverage form, your deductibles, and how the insurer classifies the loss. Guidance from Kuhn Raslavich, P.A. begins with the policy wording, then moves to the facts as proven and the next steps for the carrier.
- [Is Wind Or Hurricane Damage Covered If My Insurance Company Blames ‘Wear And Tear’?](https://thekrfirm.com/is-wind-or-hurricane-damage-covered-if-my-insurance-company-blames-wear-and-tear/): Wind and hurricane damage can be devastating to Florida homes, but what happens when your insurance company denies your claim, claiming the damage is just “wear and tear”? In the attached video, Florida property insurance attorney Ben Raslavich explains why this is one of the most common denial tactics and how homeowners can still protect their right to full coverage.
- [My Hail Damage Insurance Claim Was Denied, What Do I Do?](https://thekrfirm.com/my-hail-damage-insurance-claim-was-denied-what-do-i-do/): A denied hail damage insurance claim can feel like the carrier shut the door without really listening. Florida homeowners still have options, but the next steps work best when they stay organized, meet deadlines, and stay tied to the policy language rather than frustration.
- [Does Homeowners Insurance Cover Water Damage From Burst Pipes Or Plumbing Leaks?](https://thekrfirm.com/does-homeowners-insurance-cover-water-damage-from-burst-pipes-or-plumbing-leaks/): Sudden water damage from burst pipes or unexpected plumbing leaks can cause major disruption to your home — and in many cases, your homeowners insurance should cover it. In the attached video, Florida property insurance attorney Ben Raslavich explains how water damage claims resulting from sudden and accidental plumbing failures are typically covered under standard Florida homeowners insurance policies, and why insurers often try to deny or underpay these claims.
- [Does Homeowners’ Insurance Cover Hurricane Damage](https://thekrfirm.com/does-homeowners-insurance-cover-hurricane-damage/): Hurricanes are a reality for Florida homeowners, and understanding your insurance coverage can mean the difference between a fully repaired home and unexpected out-of-pocket expenses. In the attached video, Florida property damage attorney Clayton Kuhn explains what hurricane damage is typically covered under a standard homeowners insurance policy and why many claims are denied, delayed, or underpaid.
- [What is Extended Dwelling Coverage in Florida?](https://thekrfirm.com/what-is-extended-dwelling-coverage-in-florida/): When selecting an insurance policy, homeowners often buy a dwelling limit that matches the home’s current value, then assume that number will still work after a major loss. In Florida, that assumption can break down fast when labor, materials, and code upgrades climb at the worst possible time. Extended dwelling coverage is designed to soften that gap when a covered event pushes rebuilding costs above your stated Coverage A limit.
- [Can You Sue an Insurance Company in Florida?](https://thekrfirm.com/can-you-sue-an-insurance-company-in-florida/): Can you sue an insurance company in Florida when the carrier refuses to pay what the policy promises? Florida law can allow it, but the “how” depends on what went wrong, what the policy says, and the steps already taken in the claim file.
- [How To File A Hail Damage Roof Insurance Claim](https://thekrfirm.com/how-to-file-a-hail-damage-roof-insurance-claim/): Hailstorms in Florida can strike with little warning, leaving behind damage that isn’t always visible from the ground. In the attached video, Florida property insurance attorney Ben Raslavich explains the essential steps homeowners should take to properly file a hail damage roof insurance claim and protect their right to full coverage.
- [Homeowners Insurance Coverage A B C D Explained](https://thekrfirm.com/homeowners-insurance-coverage-a-b-c-d-explained/): Homeowners often hear the phrase “homeowners insurance coverage A B C D” and assume it is just industry shorthand. In Florida, those letters can decide whether a roof claim gets fully scoped, whether a detached garage repair stays underpaid, or whether a family has help paying for a place to live after a serious loss. Clear definitions reduce surprises, especially when wind, rain, and water intrusion create fast-moving damage.

## Pages
- [Thank You](https://thekrfirm.com/thank-you/): We’ve received your submission. We will get back to you with lightning speed.
- [South Carolina Storm Damage Claim Attorneys](https://thekrfirm.com/south-carolina-property-damage-attorney/storm-damage-claims/): South Carolinians know how a line of severe storms can push across the Midlands and the Upstate or roll in from the coast and turn a solid home into a patchwork of repairs. Confusion often follows: which losses fall under wind coverage, which involve floods, and how fast an insurer must move.
- [South Carolina Wind Damage Claim Attorney](https://thekrfirm.com/south-carolina-property-damage-attorney/wind-damage-claims/): Insurance should help you restore your home or building after wind damage, yet the claim process often feels like a second storm. A South Carolina wind damage claim attorney with Kuhn Raslavich, P.A. can bring structure to the paperwork, keep the story consistent, and press for a fair decision when the carrier delays or undervalues the loss.
- [South Carolina Roof Damage Claim Attorney](https://thekrfirm.com/south-carolina-property-damage-attorney/roof-damage-insurance-claims/): Storm seasons in South Carolina can turn a solid roof into an urgent problem overnight, yet the real stress often starts when the insurance paperwork begins. From hurricanes and tropical storms along the Grand Strand and the Lowcountry to hail and straight-line wind across the Midlands and the Upstate, a single event can leave you facing a carrier that sees the damage very differently than you do. A roof damage insurance claim lawyer can step in when the carrier’s numbers feel disconnected from what the roof actually needs, when the adjuster’s scope leaves out key items, or when delays start stacking up with no clear end date.
- [South Carolina Property Damage Insurance Claims](https://thekrfirm.com/south-carolina-property-damage-attorney/property-damage-insurance-claims/): A home or business can look fine from the street while the inside tells a different story. There could be soaked drywall, warped flooring, a roof leak that spread farther than anyone expected, or smoke residue that clings to everything.
- [South Carolina Hurricane Damage Attorney](https://thekrfirm.com/south-carolina-property-damage-attorney/hurricane-damage-attorney/): Coastal winds, inland flooding, and weeks of backlogged adjusters can turn one storm into a prolonged dispute with an insurance carrier. When that happens, the right hurricane damage attorney can help you turn a confusing claim into a clear record of what the policy covers, what the carrier accepted or denied, and what still needs to be paid.
- [South Carolina Hail Damage Attorney](https://thekrfirm.com/south-carolina-property-damage-attorney/hail-damage/): Calling a hail damage attorney after a South Carolina storm can change the entire direction of a claim because the dispute usually starts in the paperwork, not on the roof.
- [South Carolina First Party Insurance Claims Attorney](https://thekrfirm.com/south-carolina-property-damage-attorney/first-party-insurance-claims/): A claim against your own insurance policy should feel straightforward. You paid premiums, a covered loss happened, and benefits should follow. Real life often looks different. Payment may arrive in pieces, the scope may shrink, or the carrier may keep requesting one more document. When that happens, a first-party insurance claim attorney can bring order to the process, set clear deadlines, and push for a position the company must stand behind in writing.
- [South Carolina Commercial Property Damage Claim Attorneys](https://thekrfirm.com/south-carolina-property-damage-attorney/commercial-property-damage-claims/): South Carolina commercial properties can sustain damage that hits quickly and then lingers. Wind can tear off roofing and pull water into a building before anyone arrives. A hurricane can leave a site standing but unusable because power, access roads, or tenant spaces are compromised. When a carrier begins requesting repeated proof, a Commercial Property Damage Claim Attorney will build a claim anchored in policy language, repair reality, and clean documentation that supports payment.
- [South Carolina Property Damage Attorney](https://thekrfirm.com/south-carolina-property-damage-attorney/): South Carolina property damage can seem manageable at first, until the insurance estimate comes back short, the adjuster questions the cause of the loss, or the repair timeline stretches into months of silence. When your home or business property takes a hit, a South Carolina property damage attorney can help you push for a fair number, keep the claim moving, and protect you from costly shortcuts.
- [Videos](https://thekrfirm.com/videos/): Storm Damage Roof Insurance Claim: Can You Get a New Roof After a Storm? Home Insurance Claim in Florida: How Long Should It Take? Can I Negotiate a Higher Roof Damage Insurance Payout? How Do You Prove a Hail Damage Insurance Claim in Florida? State Farm Denied Roof Claim: What Should You Do Next? How Can a Property Damage Attorney Help With Your Insurance Claim? Does Homeowners Insurance Cover Structural Damage in Florida? Roof Storm Damage Claim Denied in Florida? Common Reasons Why Denied Homeowners Insurance Claim in Florida? What to Do Next Late Reporting of Claim in Florida: When Is a Property Claim Considered Too Late? Is Hail Damage Covered by Homeowners Insurance in Florida? Long-Term Seepage Insurance Denial in Florida: Is the Insurer Right? Video – How Long Can My Insurance Company Delay My Property Damage Claim Before It Is Bad Faith? Video – How to fight a homeowners insurance claim denial How long can an insurance company delay a property insurance claim in Florida? Can I Fight My Insurance Company If They Underpaid My Roof Or Hail Damage Claim? What Evidence Do I Need To Win A Dispute With My Insurance Company After Property Damage? Can I Reopen A Closed Or Underpaid Homeowners Insurance Claim After A Storm? What Are My Rights If My Insurance Company Lowballs My Hurricane Claim? Is Wind Or Hurricane Damage Covered If My Insurance Company Blames ‘Wear And Tear’? Does Homeowners Insurance Cover Water Damage From Burst Pipes Or Plumbing Leaks? Does Homeowners’ Insurance Cover Hurricane Damage How To File A Hail Damage Roof Insurance Claim When Should You Call A Lawyer For A Denied Home Insurance Claim In Florida? The Role of Public Adjusters vs. Attorneys in Florida Property Damage Claims How do insurance companies undervalue property damage claims? VIDEO: Does my homeowners policy cover water damage resulting from a storm? VIDEO: Can I appeal a denied property insurance claim? VIDEO: Tips for Getting Insurance Companies to Pay Up After a Storm VIDEO: How to Photograph and Document Your Home for Insurance Claims VIDEO: Top 5 Mistakes People Make After Windstorm Property Damage VIDEO: What to Do if Your Florida Property Insurance Claim is Denied or Underpaid VIDEO: Hurricane Preparedness for Florida Homeowners: Legal Steps Before and After a Storm VIDEO: Filing a Proof of Loss in Florida: Common Mistakes and How to Avoid Them VIDEO: Critical Deadlines for Property Damage Claims in Florida: What Homeowners Must Know VIDEO: How Kuhn Raslavich Helped Homeowners Recover After Major Hurricanes  
- [Macy Stutts Thompson, Esq.](https://thekrfirm.com/our-team/macy-stutts-thompson-esq/): Macy Thompson is a Litigation Attorney at Kuhn Raslavich, P.A., where she represents individuals and businesses in a variety of civil litigation matters. Licensed in North Carolina and South Carolina, she is dedicated to guiding clients through complex disputes with clarity, precision, and effective advocacy.
- [North Carolina Commercial Property Damage Claim Attorneys](https://thekrfirm.com/north-carolina-property-damage-attorney/commercial-property-damage-claims/): North Carolina commercial properties can sustain damage that hits quickly and then lingers. Wind can tear off roofing and pull water into a building before anyone arrives. A hurricane can leave a site standing but unusable because power, access roads, or tenant spaces are compromised. When a carrier begins requesting repeated proof, a Commercial Property Damage Claim Attorney will build a claim anchored in policy language, repair reality, and clean documentation that supports payment.
- [North Carolina Hurricane Damage Attorney](https://thekrfirm.com/north-carolina-property-damage-attorney/hurricane-damage-attorney/): Coastal winds, inland flooding, and weeks of backlogged adjusters can turn one storm into a prolonged dispute with an insurance carrier. When that happens, the right hurricane damage attorney can help you turn a confusing claim into a clear record of what the policy covers, what the carrier accepted or denied, and what still needs to be paid.
- [North Carolina Storm Damage Claim Attorneys](https://thekrfirm.com/north-carolina-property-damage-attorney/storm-damage-claims/): North Carolinians know how a line of severe storms can push across the Piedmont or roll in from the coast and turn a solid home into a patchwork of repairs. Confusion often follows: which losses fall under wind coverage, which involve flood, and how fast an insurer must move. 
- [North Carolina First Party Insurance Claims Attorney](https://thekrfirm.com/north-carolina-property-damage-attorney/first-party-insurance-claims/): A claim against your own insurance policy should feel straightforward. You paid premiums, a covered loss happened, and benefits should follow. Real life often looks different. Payment may arrive in pieces, the scope may shrink, or the carrier may keep requesting one more document. When that happens, a first party insurance claim attorney can bring order to the process, set clear deadlines, and push for a position the company must stand behind in writing.
- [North Carolina Hail Damage Attorney](https://thekrfirm.com/north-carolina-property-damage-attorney/hail-damage/): Calling a hail damage attorney after a North Carolina storm can change the entire direction of a claim, because the dispute usually starts in the paperwork, not on the roof. 
- [North Carolina Wind Damage Claim Attorney](https://thekrfirm.com/north-carolina-property-damage-attorney/wind-damage-claims/): A North Carolina wind damage claim attorney can have a significant impact on how the appraisal affects your claim. Clear scope, consistent documentation, and steady pressure often decide whether an appraisal becomes a helpful tool or a confusing detour.
- [North Carolina Roof Damage Claim Attorney](https://thekrfirm.com/north-carolina-property-damage-attorney/roof-damage-insurance-claims/): Storm seasons in North Carolina can turn a solid roof into an urgent problem overnight, yet the real stress often starts when the insurance paperwork begins. A roof damage insurance claim lawyer can step in when the carrier’s numbers feel disconnected from what the roof actually needs, when the adjuster’s scope leaves out key items, or when delays start stacking up with no clear end date.
- [North Carolina Property Damage Insurance Claims](https://thekrfirm.com/north-carolina-property-damage-attorney/property-damage-insurance-claims/): A home or business can look fine from the street while the inside tells a different story. There could be soaked drywall, warped flooring, a roof leak that spread farther than anyone expected, or smoke residue that clings to everything. 
- [North Carolina Property Damage Attorney](https://thekrfirm.com/north-carolina-property-damage-attorney/): When your home, or business property takes a hit, a North Carolina property damage attorney can help you push for a fair number, keep the claim moving, and protect you from costly shortcuts.
- [Colorado Hail Damage Attorney](https://thekrfirm.com/colorado-property-damage-attorney/colorado-hail-damage-attorney/): When a claim does not add up, Kuhn Raslavich will step in early, build the record the carrier has to answer, and press for payment that matches the policy. If you want a Colorado hail damage attorney to review the denial, underpayment, or delay and lay out a clear path forward, we will be ready to evaluate the file and pursue the benefits you purchased. Get in touch for a free case review by calling 970-400-7732 or contacting us online.
- [Colorado Wind Damage Claim Attorney](https://thekrfirm.com/colorado-property-damage-attorney/colorado-wind-damage-claim-attorney/): When the carrier delays, underpays, or denies without a solid basis, a clear path forward exists. A Colorado wind damage claim attorney with our team will pursue the outcome your policy was supposed to deliver. See what we can do for you by scheduling a free consultation. You can use our online form or call 970-400-7732.
- [Colorado Snow and Ice Damage Attorney](https://thekrfirm.com/colorado-property-damage-attorney/colorado-snow-and-ice-damage-attorney/): Every Colorado snow and ice damage attorney with Kuhn Raslavich. P.A. knows how quickly a “simple” winter loss can turn into a drawn-out dispute. This is especially true when the policy language and the adjuster’s conclusions do not line up with what happened.
- [Colorado Roof Damage Claim Attorney](https://thekrfirm.com/colorado-property-damage-attorney/colorado-roof-damage-claim-attorney/): Colorado storms can tear up a roof fast, but the harder part often starts after the adjuster leaves. A Colorado roof damage claim attorney can help when the insurance process feels tilted, the estimate seems light, or the carrier keeps asking for “one more” document while the repair window closes. Kuhn Raslavich, P.A handles these disputes from the policy forward, with a clear plan for showing what happened, what the policy covers, and what the claim should pay.
- [Colorado Storm Damage Claims Attorney](https://thekrfirm.com/colorado-property-damage-attorney/colorado-storm-damage-claims-attorney/): Storm damage can turn into weeks of phone calls, estimates, and paperwork. When a roof, siding, windows, or interior finishes take a hit, the insurance claim is supposed to fund reasonable repairs, not create a second crisis. A Colorado storm damage claims attorney will look past the first estimate and focus on what the policy promises, what the damage requires, and what the carrier must do under Colorado law.
- [Wildfire and Smoke Damage Claim Attorney](https://thekrfirm.com/colorado-property-damage-attorney/wildfire-and-smoke-damage-claim-attorney/): When that happens, the claim often becomes a debate about scope, testing, and what “clean” actually means. A wildfire and smoke damage claim attorney can help turn that debate into a documented, coverage-based discussion that an insurer must answer.
- [Colorado First Party Insurance Claims Attorney](https://thekrfirm.com/colorado-property-damage-attorney/colorado-first-party-insurance-claims-attorney/): The point of a Colorado first party insurance claims attorney is simple: help you push a claim forward when your own insurance company slows it down, narrows the scope, or refuses to pay benefits that the policy promises. At Kuhn Raslavich, P.A., we focus on the claim record, the policy language, and Colorado’s rules that prohibit unreasonable delay or denial.
- [Colorado Commercial Property Damage Claims](https://thekrfirm.com/colorado-property-damage-attorney/colorado-commercial-property-damage-claims/): Running a business in Colorado means living with risk that doesn’t care about your calendar. Hail can shred a roof in minutes, wind can peel back membrane systems, frozen pipes can flood suites overnight, and wildfire smoke can shut down operations even when flames never touch the building. 
- [Colorado Property Damage Insurance Claims](https://thekrfirm.com/colorado-property-damage-attorney/property-damage-insurance-claim-lawyer/): How can people achieve fair outcomes on Colorado property damage insurance claims when the damage is real, but the process feels unclear? At Kuhn Raslavich, P.A., we see homeowners and business owners face significant challenges, even when the policy appears straightforward.
- [Tampa Hurricane Damage Attorney](https://thekrfirm.com/tampa-property-damage-attorney/tampa-hurricane-damage-attorney/): Hurricane losses in Tampa can feel confusing, especially when the damage looks different from house to house. A Tampa hurricane damage attorney can bring order to that confusion by lining up the facts, the policy language, and the deadlines that apply to Florida claims. Tampa has not suffered a direct hit from a major hurricane (Category 3 or higher) since 1921, yet several close calls in recent years still caused serious damage across the area through wind, rain, and storm surge. 
- [Orlando Commercial Property Damage Claim Attorney](https://thekrfirm.com/orlando-area-property-damage-attorney/orlando-commercial-property-damage-claim-attorney/): When a building, storefront, or office space is damaged, the problems can spread quickly into lost sales, delayed projects, and unhappy customers. An Orlando commercial property damage claim attorney can help you press for the benefits your business policy promised, especially when the carrier questions the scope of repairs or delays a clear answer.
- [Orlando Hurricane Damage Attorney](https://thekrfirm.com/orlando-area-property-damage-attorney/orlando-hurricane-damage-attorney/): When a hurricane impacts Central Florida, the aftermath can be overwhelming—especially when insurance companies delay, underpay, or deny valid claims. Working with an experienced Orlando hurricane damage attorney can help you navigate Florida’s complex insurance laws, meet critical deadlines, and pursue the full compensation your policy promises while you focus on repairing your home or business.
- [Orlando Storm Damage Claim Attorney](https://thekrfirm.com/orlando-area-property-damage-attorney/orlando-storm-damage-claim-attorney/): Storm season can turn a normal Orlando week into a mess of torn shingles, soaked drywall, downed fences, and surprise leaks that keep spreading. When a carrier slows the process or points to exclusions, an Orlando storm damage claim attorney can step in and push the claim toward a fair result supported by hard evidence.
- [Orlando First Party Insurance Claims Attorney](https://thekrfirm.com/orlando-area-property-damage-attorney/orlando-first-party-insurance-claims-attorney/): Orlando property owners often learn the hard way that a first party claim is not always simple. Even when the policy belongs to you and the premiums are paid, payment can still be delayed, denied, or an offer that does not match the actual cost of the loss. When that happens, an Orlando first party insurance claims attorney with Kuhn Raslavich, P.A. can work to compel the carrier to comply with the contract and Florida law.
- [Orlando Hail Damage Attorney](https://thekrfirm.com/orlando-area-property-damage-attorney/orlando-hail-damage-attorney/): Orlando storms do not always arrive as hurricanes, but they can create the same level of hassle from an insurance standpoint. Some of the hardest insurance fights start after a fast, loud hailstorm that leaves dents, cracked tiles, bruised shingles, and leaks that show up days later. An Orlando hail damage attorney can help you determine a clear plan for your claim and provide a way to push back when the carrier downplays what hail really did to your home.
- [Orlando Wind Damage Claim Attorney](https://thekrfirm.com/orlando-area-property-damage-attorney/orlando-wind-damage-claim-attorney/): If wind damaged your Orlando-area home and the carrier’s payment or scope does not match what the repairs truly require, Kuhn Raslavich will step in and build a claim record that holds up under Florida’s deadlines and claim-handling rules. Call us at 407-501-4833 or contact us online to speak with an Orlando wind damage claim attorney. We will put a clear, evidence-driven plan in place before delay and confusion start costing you real money.
- [Orlando Roof Damage Claim Attorney](https://thekrfirm.com/orlando-area-property-damage-attorney/orlando-roof-damage-claim-attorney/): A roof claim should be straightforward and fair: damage occurs, a report is filed, and repairs or replacement follow. Unfortunately, policyholders must sometimes call on an Orlando roof damage claim attorney due to an insurance company’s actions – or lack of action. 
- [Orlando Property Damage Insurance Claims](https://thekrfirm.com/orlando-area-property-damage-attorney/orlando-property-damage-insurance-claims/): Orlando property damage insurance claims often seem simple at first: something breaks, water or wind gets in, and you expect the policy you paid for to cover the loss. The hard part usually starts when the insurance company questions the cause, scope, price, or timing, leaving you stuck between a damaged home and a slow-moving claim.
- [Tampa Storm Damage Claims Attorney](https://thekrfirm.com/tampa-property-damage-attorney/storm-damage-claims/): Policy language turns storm damage claims into a detailed puzzle. Coverage sections distinguish between wind, wind-driven rain, interior water damage, and flooding, with each piece often governed by a separate exclusion or limitation. Many Tampa policies exclude flood damage unless you carry a separate flood policy through a private insurer or the National Flood Insurance Program, while still covering wind damage and resulting interior water damage when the storm opens a hole in the roof or walls.
- [Tampa First Party Insurance Claims Attorney](https://thekrfirm.com/tampa-property-damage-attorney/first-party-claim/): First party claims are different from claims against another driver or another business because you are dealing with your own insurer under a contract. An insurance claim lawyer with Kuhn Raslavich, P.A. can give that contract real teeth by matching the policy language with Florida claim rules, deadlines, and dispute tools. When you work with us, we will do everything we can to ensure that you do not leave money on the table.
- [Tampa Hail Damage Attorney](https://thekrfirm.com/tampa-property-damage-attorney/hail-damage-claims/): Tampa hailstorms can damage shingles, crack tiles, dent metal, and cause water to seep into ceilings and walls. When an insurance adjuster treats that damage as “minor” or blames wear and tear, a Tampa hail damage attorney can become an important part of protecting your home and your budget in the months after the storm.
- [Tampa Wind Damage Claims Attorney](https://thekrfirm.com/tampa-property-damage-attorney/wind-damage-claims/): At Kuhn Raslavich, P.A., our property insurance claims lawyers know how wind damage claims work in Florida. We will work to protect your rights and help you push back against an unfair insurance denial.
- [Tampa Roof Damage Claims Attorney](https://thekrfirm.com/tampa-property-damage-attorney/roof-damage-insurance-claims/): Roofs around Tampa take a beating from wind, rain, and strong sun. When shingles go missing or water stains appear on ceilings, many families suddenly face questions about deductibles, code upgrades, and whether the insurer will pay to repair or replace the roof. 
- [Tampa Property Damage Insurance Claims](https://thekrfirm.com/tampa-property-damage-attorney/insurance-claims/): Storms, plumbing leaks, and roof damage can disrupt daily life across Hillsborough County. When a storm or leak harms your home, you may feel unsure how to handle Tampa property damage insurance claims and nervous about missing a step that could cost you money your family needs. Clear information about the claim process and Florida insurance rules can make the next decisions much less stressful.
- [Tampa Commercial Property Damage Claims Attorney](https://thekrfirm.com/tampa-property-damage-attorney/commercial-property-damage/): Commercial buildings around Tampa carry more than walls and roofs. They hold employees, customers, inventory, and years of work. When a storm, pipe break, or fire shuts the doors, a Tampa commercial property damage claims attorney can become just as important as the contractor repairing the damage, because the claim will decide whether the business can reopen on solid ground or struggle for months.
- [South Florida Commercial Property Damage Claims Attorney](https://thekrfirm.com/south-florida-property-damage-attorney/commercial-property-damage/): The value of your settlement will typically increase if photographs, code, and manufacturer data support damage repair or replacement estimates. Gaps in evidence, on the other hand, invite delay. One of our commercial property damage claims attorneys will help close any existing gaps with vendor statements, testing, and whatever other proof is required to show the extent of work that must be done.
- [South Florida Storm Damage Claims Attorney](https://thekrfirm.com/south-florida-property-damage-attorney/storm-damage-claims/): Florida homeowners know how fast a normal afternoon can turn into a wind-and-water mess. After a hurricane, tropical storm, or severe thunderstorm, claim questions come fast. What is covered? How fast must the insurer respond? Which records matter most? A seasoned storm damage attorney will focus your claim on the rules that actually drive results in Florida, not guesswork or rumor.
- [South Florida First Party Insurance Claims Attorney](https://thekrfirm.com/south-florida-property-damage-attorney/first-party-claims/): South Florida homeowners buy coverage to protect roofs, interiors, and personal property from wind, water, and hurricane losses. When an insurer delays or underpays, a first-party insurance claim attorney can use Florida statutes, policy language, and claim procedures to press for full benefits. 
- [South Florida Hail Damage Attorney](https://thekrfirm.com/south-florida-property-damage-attorney/hail-damage/): Hail strikes South Florida less often than wind and rain, yet a single storm can bruise shingles, crack tiles, puncture underlayment, dent gutters, and flood interiors. When a carrier downplays the loss, a hail damage attorney will build solid proof, apply Florida’s deadlines, and push for coverage that actually fixes the problem.