Home Owner Property Damage Claims

 By paying our insurance company for property protection, we expect that if damages occur these same insurance companies should diligently compensate us (the insured) for damages covered under the policy. However, more often than not, homeowners find themselves fighting with their insurance companies when they submit a claim for property damage under their homeowner’s insurance policies. At the Law Office of Jose R. Fernandez, P.A., not only are we capable and willing to handle your case, but we are familiar with the process of filing a claim for damages to your property and are prepared to aggressively litigate it, if necessary. 

Property claims can be generally categorized into one of the two following types:

  • First-Party – An insurance claim made by the owner of the property to the insurer of the same property, relating to damage that has occurred on the property.

  • Third-Party – A claim involving a liability issue in which the owner of a property is being sued by a third party or is suing a third party for damages taking place in a property that he/she does not own. 


Insurance companies spend millions of dollars battling with policyholders each and every day to avoid paying out claims for damaged property. Whether simply reducing the amount that is fairly owed or denying a claim altogether, an insurance company will try to avoid full compensation as much as they can.  The insurance company may assess that the damages to your property are pre-existing, or are not covered under specific terms of the residential property policy that the insurer wrote. The insurance company may also deny the property claim outright, leaving the homeowner without any means or money to repair the damaged property and without any solution. For these reasons, it is imperative to have an experienced attorney fighting for your full compensation and recovery so that you can repair or replace any damaged property.

Our lawyers help you seek timely and accurate settlement of damage claims, whether the damage is the result of fire, water, hurricane or any other cause. We aggressively litigate homeowners insurance claims, setting them for trial as soon as possible. If you do not get paid, we do not get paid. We are a united front from beginning to end.

If you feel like you deserve compensation from your insurance company for property damage and are not receiving it, contact us at the Law Office of Jose R. Fernandez, P.A.

For a free consultation, please call us at the Law Office of Jose R. Fernandez, P.A.

Miami (305) 403-4422

Tallahassee (850) 577-0023


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