Florida residents often face challenges with property damage insurance claims and other insurance issues. Given that storm and flood-related damage is common here, individuals and business owners expect insurance companies to honor the terms of homeowners insurance policies. If you are involved in a dispute with your insurer, the best way to protect your rights is to consult an experienced property insurance claims attorney.

View of water and downtown Miami skyline

The Law Office of William J. Roe, P.A. provides first-rate legal representation to homeowners and mitigation companies throughout South Florida. Knowing that insurance companies have an unfair advantage and typically seek to deny claims or pay as little as possible, we use our skills and experience to level the playing field.

If you are seeking coverage for losses due to fire or storm damage, or are looking to recover compensation for mitigating property damage, we can help.

The Experienced Choice in Florida Property Damage Claims

For over 7 years, founding attorney William Roe has been helping homeowners, condominium owners, property managers, and mitigation companies in South Florida stand up for their rights. Our legal team is knowledgeable in the applicable insurance laws and regulations and has a proven history of holding insurance companies accountable.

When you work with us, you will have confidence knowing that your insurance claim is in good hands.

We routinely handle property damage claims, insurance claim denials, water and fire damage claims. Although homeowners insurance policies are contracts, they typically contain provisions that favor insurers, and policyholders are often unaware of their rights. When you work with us, you will have confidence knowing that your insurance claim is in good hands.

Property Insurance: What are my rights?

Property insurance protects residential and commercial property owners from damage that occurs to the structure and/or its contents, such as furniture, appliances, clothing, collectibles and other personal property. Florida homeowners and businesses are covered from all types of losses, such as:

Fire damage
Flood damage
Water damage ( broken pipes / back-ups )
Hurricane damage
Windstorm damage
Tornado damage
Theft

Because South Florida often experiences hurricanes, heavy rains and flooding, clients often come to us for help resolving all types of property damage claims, including roof damage resulting in water damage to the structure, pipe ruptures, hurricane and storm damage, and damage caused by fallen trees.

The Law Office of William Roe, P.A. routinely works with a respected network of investigators, appraisers, restoration specialists, accountants, contractors and other specialists to determine the actual amount of damage and losses. Our objective is to help our clients obtain the full value of their property damage claims.

Reasons Insurers Deny Homeowners Insurance Claims

Insurance companies have a contractual obligation to honor property damage claims, however, insurers frequently interpret policy provisions to minimize or deny valid claims for the following reasons:

The loss is excluded from the policy
The damage is less than what the insured claimed
The damage falls below the policy’s deductible

Of course, though these may be the stated reasons for claim denials, insurers often delay or deny claims and payouts to protect their profits.

Miami Beach view of palm trees with high-rise in background

Our property insurance claims attorneys are here to protect your interests and help you fight back against your insurance company.

While insurance policies typically include provisions requiring disputes to be resolved through arbitration, we have the skills to litigate any matter in court when a negotiated settlement cannot be reached. When you consult us, we will take the time to explain your rights and make sure you are treated fairly by your insurer.

Florida Consumer Protection and Credit Defense Attorney

Credit card debt can serve a useful purpose by allowing consumers to purchase goods and services when needed as long as they are they are able to pay off the debt. Borrowers who are unable to do so can find themselves the target of aggressive actions by lenders, credit card companies and collection agencies. Debt collectors can threaten to seize assets, freeze bank accounts, garnish wages, or pursue a lawsuit and obtain a default judgment.

At the Law Office of William Roe, P.A., we work with clients to protect them against such tactics by enforcing their rights under state and federal law, including the Fair Debt Collection Practices Act (FDCPA).

It is worth noting that debt collectors must follow strict guidelines under the FDCPA:
Debt collectors cannot make repeated phone calls that are intended to annoy, abuse, or harass a debtor or any person answering the phone.

Debt collectors cannot use obscene or profane language.

Threats of violence or other harm are strictly forbidden.

Debt collectors may not publish lists of people who have not paid their debts (this does not include reporting information to a credit reporting agency).

Calls to a debtor’s place of work are prohibited if the debtor asks not be contacted there.

If you are being harassed by a debt collector or are facing a credit collection action, we will work with you to protect your rights.

In addition, we work with clients who have been denied a loan because of errors in their credit reports. While credit reports should always contain accurate consumer information, the credit reporting system is plagued by errors. Credit report errors can occur for a number of reasons, such as credit bureau errors, creditor errors, and identity theft.

If you have been harmed by inaccurate information in a credit report, we can help you dispute the inaccurate information. If the errors are not corrected, the federal Fair Credit Reporting Act (FCRA) allows you to file a lawsuit to obtain a revised credit report. You may also be awarded compensation for financial harm and emotional suffering you may have experienced due to the credit report errors. Above all, we will work tirelessly to protect your rights and help restore your credit rating.

Protecting the Rights of Florida Homeowners, Business Owners and Credit Consumers

At the Law Office of William Roe, we have a proven history of helping our clients fight back against big companies. If you are involved in a dispute over a property insurance claim or your consumer rights under state and federal law have been violated, we will provide you powerful legal representation and help you right this wrong. Please contact our office today for a free evaluation of your case.

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