Storms, leaks, and sudden failures do not care about your schedule or budget. When a claim stalls or comes back short, a South Florida property damage attorney can bring order to the process, push for full payment, and keep the focus on fixing your home and getting your life back on track. Kuhn Raslavich, P.A., understands how insurers operate in this region and will put that knowledge to work for you.

Insurance paperwork can feel like a second job. Policy language, repair estimates, and inspections move fast, and missed details can cost real money. A seasoned attorney will step in, read your policy the way an adjuster does, build the proof insurers require, and push the claim to resolution. If your insurance company has failed to do what it should, we’re standing by to help.

Why a South Florida Property Damage Attorney Matters After a Loss

Across Broward, Miami-Dade and Palm Beach counties, claims in South Florida often involve wind, water, and roof systems that fail under repeated storm pressure. Adjusters look for wear and tear, pre-existing damage, or maintenance gaps to reduce what they owe, and an experienced lawyer will counter those tactics with dated photos, contractor records, and objective testing.

Condominium claims add another layer. Unit owners, associations, and master policies interact in ways that can create finger-pointing over who pays. A practical attorney will trace the damage back to the source, line up the right policy, and press the responsible carrier to honor its obligations.

Insurers also send requests that slow down claims. Examinations under oath, recorded statements, and re-inspections all come with rules. A skilled lawyer will prepare you for each step and protect your rights while advancing the claim.

Types of claims and cases that we can help you with:

• Storm Damage Claims
• Wind Damage Claims
• Roof Damage Claims
• Hail Damage Claims
• First Party Insurance Claims
• Property Damage Insurance Claims
• Hurricane Damage Claims
• Commercial Property Damage Claims

Complicated Climate-Related Property Damages

Homeowners here face a unique combination of heat, humidity, and wind that wears down building materials more quickly than in most places. Roof underlayments, fasteners, window seals, and stucco all take a beating, which means storm losses often spread beyond one obvious leak point.

Hurricanes trigger large claim surges, and carriers respond with catastrophe teams and tight internal guidelines. State regulators issue storm-specific guidance and orders that affect deadlines and grace periods, so an attentive attorney will track those changes and use them to your advantage when delays threaten payment.

Water losses persist even after the storm season ends. Supply-line breaks, AC condensate failures, and failed drain lines cause hidden damage behind walls and under flooring. A careful lawyer will insist on moisture mapping, proper dry-out, and a repair scope that addresses both structure and finishes, not just a quick patch.

Your Rights and Deadlines Under Florida Law

Florida sets timelines for insurers. Carriers must acknowledge claims promptly and move investigations forward without delay. Current law requires quick acknowledgement of your claim and sets firm clocks for payment or denial, with limited exceptions when factors outside the carrier’s control apply.

Those timelines matter because delayed decisions raise costs for temporary housing, emergency dry-out, and further damage. Your attorney will document every missed deadline, use Florida’s statutes to challenge slow-walking, and press for interest or other remedies when the law allows.

Written responses, proof-of-loss deadlines, and payment rules can change after major storms or legislative updates. A plugged-in lawyer will monitor official notices from Florida’s insurance regulators and cite them in negotiations when carriers overlook policyholder protections tied to disasters.

Interpreting Your Policy and Building The Claim

Kuhn Raslavich legal professionals will start by reading your policy front to back, including endorsements and exclusions, then build a claim file that matches the policy’s proof requirements. A focused attorney from our firm will coordinate inspections, consult with qualified contractors, and prepare a repair scope that accurately reflects how homes in South Florida are actually built and priced.

Clear paperwork creates leverage. Every page of your policy carries conditions, notice duties, and definitions that shape payment. We will chart those terms, flag the ones that are helpful to you, and plan evidence around them. Our team can also date and label photos, tie receipts to line items, and organize inspection notes. The carrier will see a complete record rather than loose fragments.

Evidence must match the policy’s language. We will document causation, scope, and price in a way that allows an adjuster to check each box without guesswork. A careful lawyer will ensure that estimates include materials commonly used in South Florida construction, account for code-required upgrades, and include reasonable labor and overhead costs supported by local rates.

Why Structured Communication With the Carrier is Crucial

Communication with the carrier will become structured. A persistent lawyer will send clean, dated submissions, track every deadline, and answer requests without opening doors to unrelated denials. If the claim still underpays or stalls, our firm will escalate through appraisal, civil remedy notices, and litigation.

Deadlines are crucial. Carriers work on internal clocks, and Florida law sets response and payment benchmarks. Kuhn Raslavich will calendar each event, follow up before the deadline, and document any delays that may require additional relief. One of our experienced attorneys will ensure that all exchanges remain professional and precise, so that nothing in your file creates confusion that delays payment.

Escalation follows a plan. Appraisal can resolve scope and price disputes when coverage is acknowledged. Civil remedy notices can compel carriers to correct violations within the statutory timeframe. If the insurer fails to make a fair settlement, we will be ready to go to court. We will explain each option, outline the next steps, and recommend the route that gets you to a fair check as efficiently as possible.

Disputes We See In South Florida Property Claims

Roof claims often hinge on whether wind caused a “direct physical loss” or if the carrier can attribute the problem to age or maintenance. A determined lawyer will use slope-by-slope photos, shingle uplift tests, weather data, engineering reports, and code-upgrade provisions to push back on those labels.

South Florida roofs endure heat, salt, and storm cycles that can mask wind damage. Kuhn Raslavich will press for testing that distinguishes storm-created openings from those caused by ordinary wear. A focused attorney will also track building code triggers for underlayment, fasteners, and secondary water barriers that many carriers overlook when pricing repairs. Other disputes that often occur include the following.

Water And Mold: Proving a Sudden Event

Water and mold disputes require clear causation. Carriers argue long-term seepage when a hidden leak goes unnoticed. Your Kuhn Raslavich attorney can use plumber reports, leak detection data, and timely mitigation records to prove that a sudden event caused the loss.

Causation drives coverage. Thermal imaging, moisture readings, expert reports, and plumber’s notes can reveal a break or failure associated with a specific date. Prompt dry-out logs and antimicrobial treatment records demonstrate that you acted to limit damage. A methodical lawyer will assemble those facts so the carrier cannot dismiss a sudden loss as gradual seepage.

Condominium Allocation: Who Pays What?

Condo claims often raise allocation disputes. Unit improvements, association common elements, and master deductibles collide after a storm. Your lawyer will identify the correct policy and pursue the appropriate carrier for payment.

Documents decide allocation. Declarations, bylaws, and master policy endorsements define responsibilities for drywall, interiors, windows, and exterior systems. Kuhn Raslavich will pull those records, compare them to unit policies, and align the claim with the entity that owes the duty to repair. We will then address master deductibles and special assessments that can affect the final number.

Frequently Asked Questions

How fast must my insurer respond to my claim?

Florida law requires prompt acknowledgement of communications and sets deadlines for payment or denial, subject to limited exceptions during unusual circumstances.

What if my claim gets underpaid?

You can challenge the scope or price with better evidence, including contractor estimates, testing, and code-upgrade documentation. A determined lawyer will pursue appraisal or litigation if negotiations fail.

Do condo owners follow different rules?

Condo claims involve unit policies, association policies, and master deductibles. A knowledgeable attorney will determine who is responsible for what and will pursue the correct carrier for your loss.

Contact Kuhn Raslavich to Learn More

Property damage disrupts families and finances. Kuhn Raslavich will take the claim off your shoulders, build a strong record, and push for the money needed to restore your home. A committed lawyer will review your policy, explain your options, and map the fastest path to resolution. Call 877-352-7767 or contact us online to schedule a free consultation with Kuhn Raslavich. You will receive focused help from a South Florida property damage attorney who will fight for what your policy promises.