Insurance companies often try to minimize payouts, leaving homeowners frustrated and underpaid. In this featured video, attorney Clayton Kuhn of Kuhn Raslavich explains what Florida property owners should do if their insurance claim is delayed, denied, or underpaid. This video is a crucial resource for anyone navigating the complex process of filing a property damage claim and fighting to receive the full compensation they’re owed.
One of the most common tactics insurers use is offering repair instead of replacement. For example, after a windstorm damages a roof, your insurance company may claim that only a small portion needs repair, even though your policy covers the full replacement cost. As Clayton explains, most Florida homeowners have replacement cost value policies, which means they are entitled to a full replacement—not just a partial repair. Understanding this distinction can put tens of thousands of dollars back in your pocket.
Another critical step is documenting everything. Take photos before and after repairs, gather accurate estimates, keep receipts, and maintain a complete record of every cost associated with the damage. Proper documentation strengthens your claim and prevents the insurer from disputing facts later. Submitting all requested documents promptly—or clearly communicating when a document isn’t available—demonstrates cooperation and prevents excuses insurers commonly use to delay or deny claims.
Timing is equally important. Acting quickly after a loss, responding to follow-up questions, and providing thorough records helps move the claim forward efficiently. These proactive steps can make the difference between a long, frustrating process and a timely, fair payout.
At Kuhn Raslavich, P.A., we help Florida homeowners navigate insurance disputes and enforce their rights. If your claim has stalled, been underpaid, or denied, professional guidance can ensure your insurance company honors its obligations.
Don’t accept less than what you deserve. Call Kuhn Raslavich at 813-422-7782 today to review your claim, get expert advice, and take the steps needed to secure the full compensation your policy promises. Watch the video now to learn how to protect your property, document your loss, and fight for the payout you are entitled to.