A single bad storm or accident can displace you from the home you hold dear or the business property where you maintain your livelihood. Property damage can also put you on a path towards financial uncertainty. Memories of such devastating incidents are all too fresh for Florida residents. Just recently, Hurricane Michael tore through the state, causing over $4.5 billion in damages

Insurance policies, such as homeowner’s insurance or commercial property insurance, are supposed to protect you from these losses. However, most insurance carriers prioritize their own bottom lines over the needs of their policyholders. As a consequence, you may end up receiving a settlement offer for your property damage claim that is far less than you deserve — or your insurer may try to deny your claim altogether. In these situations, a Florida property damage attorney can serve as invaluable ally. Their familiarity with federal and state insurance laws and as well as insurers’ own procedures will help you seek the maximum value for your claim possible. An insurance claim lawyer acts as a stern negotiator in your corner, allowing you to meet insurers head-to-head in terms they will be forced to take seriously. Should your insurance company refuse to recognize your claim fairly, your attorney can turn your claim into a lawsuit. Taking legal action often forces an insurer to offer a more reasonable settlement. In the event they decide to fight the claim in court, a judge or jury award can ultimately provide the relief you need for your damaged property. If you have just sustained major property damage or had trouble with a recent property insurance claim, you can get the assistance, advice, and expertise you need. Know that it is within your rights to seek out the maximum amount of compensation possible. Reach out to Steinger, Greene & Feiner today to schedule a free, no-obligation case evaluation with a knowledgeable Florida property insurance attorney.

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Common Types of Loss for Property Damage in Florida

Whether you own your own home, commercial property, or a mixture of other real estate holdings, you want to protect the value those properties have in your life. Unfortunately, Florida is a state known for strong storms, unpredictable weather, and a harsh climate. These conditions can combine to cause major damage to your property in the blink of an eye. The most common types of property damage loss in Florida include:

  • Hurricane Damage
  • Storm Damage
  • Flood Damage
  • Wind Damage
  • Water Damage
  • Tornado Damage
  • Hail Damage
  • Fire & Smoke Damage
  • Sinkhole Damage
  • Mold Damage
  • Accidental Damage
  • Theft & Vandalism
  • Art Loss
  • Commercial Equipment Damage
  • Inverse Condemnation (Government-Caused Damage)
  • Insurance Agent Negligence

Most of these damage types are supposed to be covered fully by insurers, but complicated policy contracts and powerful insurance companies may try to unfairly deny or reduce your claim. For instance, after Hurricane Irma, the National Flood Insurance Program fell under scrutiny for denying 90% of flood claims. Having a Steinger, Greene & Feiner Florida property damage lawyer on your side can help you find the way towards recovery after sustaining major losses. One of our lawyers who represents your claim can assemble the details along with strong evidence to help you file your claim in the most compliant and effective way possible. Whether you are fighting an insurance company that is ignoring or delaying your claim, or refusing to pay what is right, we can help. You will also have someone willing to take your insurance company to court if they refuse to fairly honor your claim.

The Types of Insurance Claims Typically Filed After Property Damage

Insurance companies design their policies to cover specific types of damages or specific situations that cause damage. In turn, they expect policyholders to only file specific claims to seek compensation for specific types of loss. Most Florida insurance carriers offer the following types of property damage claims:

  • Residential Property Insurance Claim
  • Commercial Property Insurance Claim
  • Hurricane Damage Claims
  • Business Interruption Claim
  • Condominium Property Insurance Claim
  • Professional Liability Insurance Claim (E&O)
  • Government & Municipality Insurance Claims
  • Hotel Damage Insurance Claims
  • Restaurant Insurance Claim

Knowing the methodology insurers expect you to use when filing your claim can mean the difference between getting the compensation you need or having your claim denied. An insurance lawyer in Florida can not only assist you with the filing process, but they can also gather the evidence and documentation needed to provide a compelling defense for your requested claim amount. Getting proper repair estimates and documentation, like photo evidence of your damage, dramatically increases the claimant’s chances of success. It can also significantly raise the value of your claim, raising your odds of getting all the compensation you deserve to repair the damage and get on with your life.


If you’re struggling with a homeowners insurance claim, contact our experienced property damage lawyers at Steinger, Greene & Feiner. Our lawyers have a history of winning large settlements and court awards for property owners. The property damage lawyers at Steinger, Greene & Feiner offer the No Fee Guarantee®. We understand that when you’re dealing with a property damage claim, money can be tight. The No Fee Guarantee® means you don’t owe us any money until we get money for you. In states like Florida, in most cases, if we win the insurance company will be required to cover attorneys’ fees and costs. If we lose, we work for free. You don’t have time to wait—you can call anytime of the day or night—we have a team of legal professionals ready to take your call 24 hours / 7 days a week at (800) 431-6841. We will provide you with a free, no-obligation consultation. Your property damage attorneys will be committed to helping you through the process of your claim, so you can recover financially and move forward with your life. Steinger, Greene & Feiner serves property owners all across Florida. We have offices in Miami , Fort Lauderdale, West Palm Beach, Port St. Lucie, and Okeechobee. With our extended legal network, we have the talented attorneys and resources you need to get the job done and move on with your life. Contact us now to get your free consultation.

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