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Property Damage Attorneys
Fire, Flood, Water, Mold & Mildew, Sewer, and Structural Claims.

• When We Can Help You
• What We Can Do To Help You
• How You Pay For Our Legal Services
• Free Case Evaluation Form

When We Can Help You

Your hard work and money is invested in your home, commercial building or investment real estate property and when it is damaged due to any of the above causes, we will work hard to protect this very important investment – as well as your safety and the safety of your guests.

We can help you at ALL stages of your Property Damage Claim (Fire / Flood / Water / Mold & Mildew / Sewer / Structural Claims) – either before you report the claim, while the claim is pending, if your claim was denied or if your claim not handled properly.  Our goal is to maximize the valuation of your claim as expeditiously as possible.

1. Prior to contacting your insurance company (i.e. New Claim) – This is generally best for you, since we are able to offer you the most benefit by overseeing the entire claim process on your behalf (assisting to minimize any delays and maximize the valuation of your claim).  In addition, we will retain our own experts to provide us with the ‘gold standard’ in repair and remediation estimates – to insure that the repairs being made will either meet or exceed new, more stringent building costs.  In addition, if the devastation is severe, we will move quickly to assist you with your Loss of Use and/or Additional Living Expense benefits while your home, commercial building or investment real estate is being repaired.  By being involved early, we can help prevent the insurance company representative from taking a negative position with regard to your claim – which will help expedite the ultimate processing of your claim as well as help maximize the valuation of your claim.
2. During a pending claim with your insurance company (i.e. Pending Claim) – Even though you have already reported your claim to your insurance company, we can evaluate the situation and take it over from virtually any point in the claim process (before you have received the repair estimates from your insurance company; after you have received the repair estimates from your insurance company or either before or after you have received an offer to settle from your insurance company).  Again – the sooner the better (for the reasons outlined in the preceding paragraph).  No matter what – you have virtually nothing to lose by retaining us to help maximize the valuation of your pending claim with your insurance company.
3. After your claim has been denied by your insurance company (i.e. Denied Claim) – If your insurance company has denied your claim (or stated that the damages do not meet your deductible) and you still believe that the physical damages to your home, commercial building or investment real estate property may be related to a coverable loss, we will review your claim, your damages and your insurance policy at no charge to you.  Many times we can point out flaws and/or deficiencies in the adjusting process and we can convince your insurance company to change their mind and accept your claim.  Other times we have no choice but to file a lawsuit against your insurance company if they are not willing to change their mind amicably (based upon the additional information that we provide to them).  Again – in this scenario – you have absolutely nothing to lose and all to gain by retaining us to assist you in your denied claim.
4. After your claim has already been paid – we can reopen a previous claim (i.e. Reopen Previous Claim) – Even though you had already accepted a previous settlement from your insurance company, we may be able to reopen your claim if you were not compensated fairly and reasonably for the damages you had sustained or you are presenting experiencing worsening of previous damages or new damages (which is indicative that payment and/or repair process that was recommended was not adequate or proper).  Generally speaking, you have five (5) years from the date of loss (most often this is the date you reported the claim to your insurance company).  Furthermore, if your insurance company did not follow strict guidelines in evaluating and paying your claim in a prompt manner, they may be subject to a potential “Bad Faith” lawsuit, which may provide you with additional compensation beyond that listed in your insurance policy.

What We Can Do To Help You

Under Florida law, your homeowner’s or commercial property insurance carrier usually must provide coverage for damage to your home, commercial business or real estate investment property caused by Fire / Flood / Water / Mold & Mildew / Sewer / Structural Damage.  Due to the explosive growth that Florida has experienced over the past few years, there has been a significant increase in property damage to homes, commercial buildings and real estate investment property related to the causes listed above.  This damage could be fairly minimal or severe – we can help you under any circumstance.  And remember, you may have hidden damages that may greatly exceed your insurance policy limits and we will work hard to ensure that you receive everything to which you are entitled.

If you have a good faith belief that you have sustained damages caused by a coverable loss listed above, your insurance company has a statutory and fiduciary duty to promptly and properly investigate this damage.  They first make an initial inspection at your property and if the adjuster believes that the damages noted could possibly be caused by a coverable loss, then they must obtain written estimates from certified and licensed contractors to repair said damages (or offer you funds for Loss of Use or Additional Living Expenses if the home or dwelling in severely damaged).

There are many potential hazards in dealing with your insurance company, several of which include delaying the evaluation of your claim, denying you the fair market value you deserve in a settlement or even denying coverage for your claim.  Your insurance company oftentimes only retains experts whom they believe will provide less than the ‘gold standard’ in repair estimates.  In other cases the investigations conducted by the experts retained by your insurance company may be inadequate or incomplete and therefore resulting in flawed results.  Finally, many insurance companies recommend sub-standard repair methods to minimize the settlement or repair costs of your hurricane or storm loss.  Your insurance policy alone is not enough to guarantee you coverage or a fair representation from your insurance carrier.

The Law Offices of Joseph A. Porcelli, P.A. has represented numerous homeowners in disputes with their insurance company with regard to property damage claims, quite possibly even someone in your neighborhood.  Most people do not have the experience of resolving a property damage claim with their insurance company and are at a decided disadvantage vis-à-vis their insurance company.  Our years of experience in assisting policyholders helps level the playing field to your benefit by thoroughly investing your damages in an expedient and professional manner.  Our goal is to maximize the valuation of your claim as expeditiously as possible.

How You Pay For Our Legal Services

We offer a FREE SAME DAY CONSULTATION and we usually accept the above Property Damage cases on Contingency Fee Basis. Putting it in another way, if we do not obtain a recovery on your behalf, you will owe us NOTHING in legal fees nor do you have to reimburse us for your costs / expenses of our legal representation.  Furthermore, if your insurance company did not follow strict guidelines in evaluating and paying your claim, they may be subject to a potential “Bad Faith” lawsuit, which may provide you with additional compensation beyond that listed in your insurance policy.  In summary, you have nothing to lose and all to gain if you retain us to assist you in your property damage claim.

Call Us Today – Toll Free at 877-529-9191 or submit the FREE Case Evaluation Form.

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