Florida
Florida property insurance attorneys
Our Florida office in Pace represents policyholders against their insurers across the Panhandle and the state — hurricane and wind damage, denied claims, and settlements that fall short of the repair.
- $30M+
- in settlements secured
- 500+
- Gulf Coast families helped
- 113
- five-star reviews
What we handle in Florida
Hurricane and wind damage
Named-storm claims from the Panhandle through the peninsula, including roof denials attributed to age rather than the storm.
Denied and underpaid homeowners claims
Residential property claims where the carrier said no, or said yes for a fraction of what the repair costs.
Water and roof claims
The two most heavily scrutinized categories in the Florida market, and the two where scope disputes are most common.
Commercial property claims
Business property, business interruption, and code upgrade coverage for Florida business owners.
Florida changed the rules — and the deadlines got shorter
Florida’s legislature substantially rewrote property insurance law across several recent sessions. The changes affected how quickly a claim must be reported, how disputes are resolved, and how attorney fees work in property insurance cases. The direction of travel has favored carriers, and the windows available to policyholders are shorter than they were.
The practical consequence for you is simple: waiting costs more than it used to. If your claim has been denied, underpaid, or sitting without a decision, the review should happen now rather than after the holidays. It is free and it takes one conversation.
Why we opened a Florida office
Averill & Reaney expanded into Florida because Gulf Coast storms do not stop at the state line and because Florida policyholders face the same carrier behavior we have litigated in Louisiana for years — the same engineering reports, the same estimating software, the same denials. Our Florida office is at 4290 Woodbine Rd., Pace, FL 32571.
We represent policyholders only. We do not defend insurance companies, and we never have.
What a Florida claim review costs
The review is free, and representation is on contingency — our fee comes out of the recovery. If we do not recover for you, you owe us nothing. Bring us the denial letter, the estimate, or the check that came up short, and we will tell you plainly whether there is a claim worth pursuing.
Common questions
How long do I have to file a claim in Florida?
Florida has shortened its notice and filing deadlines in recent legislative sessions, and the applicable period depends on your loss date and policy. Because the windows are shorter than they used to be, treat the timing as urgent and call rather than assuming.
Do you represent clients outside the Panhandle?
Yes. Our office is in Pace, and we represent Florida policyholders beyond the immediate area. Most of the work happens by phone, email, and inspection at your property.
My roof claim was denied because of the roof’s age. Is that the end?
Not necessarily. Age-based denials are among the most frequently reversed, and they are reversed with evidence — pre-storm photographs, inspection reports, listing images, and an independent engineering opinion on what actually caused the damage.
Can I still recover attorney fees in a Florida property case?
Florida’s attorney fee provisions in property insurance cases changed substantially in recent sessions, and what applies to your case depends on when your policy was issued and when the loss occurred. It is one of the first things we check, and it does not change the fact that our fee comes from the recovery rather than from you.
These answers are general information about property insurance claims, not legal advice about your claim. Every policy and every loss is different — talk to us about yours.
Talk to our Florida office
The review is free and we work on contingency — we get paid when you get paid. Talk to us before you accept that offer!