Insurance Litigation

Most people in Florida pay for insurance policies to protect ourselves and our families in the event of a loss.  A property insurance policy should provide coverage in the event of damage, loss or liability if someone is accidentally injured on the premises.  Lack of complete coverage can result in the loss of thousands or even millions of dollars and possibly even bankruptcy.  Yet, how many people read the fine print of their policy and understand if they are fully protected?
Couple this with the simple business fact that an insurance company, as a profit-driven business, is financially motivated to minimize coverage and payouts, leaves the majority of consumers at risk.
Despite this, typically in the event of damage, the first call placed is to that same insurance company whose intent it is to pay out as little as possible.
We represent only your interests which is much more likely to result in a higher payout to you.  Our fees are paid directly and separately by your insurance company pursuant to Florida law (Section 627.428, Florida Statutes).  We only recover if you recover.


RRBH Law handles home insurance cases in the following areas:

Property Damage Claims

Property damage claims may include structural failures like plumbing leaks and electrical system failures through to major catastrophes such as hurricanes or fires.  Placing a value on your home and belongings can be challenging and likely to be minimized by your insurance company.  Our knowledge and experience in representing homeowners for property damage claims includes:

  • Natural catastrophes such as hurricanes, tropical storms, fires and floods leading to large property damage.
  • Negotiation with your insurance company on your behalf to obtain full compensation to which you are entitled, including reimbursement for your belongings and living expenses you cannot live in your home while it is being repaired.
  • Pursuit of insurance bad faith litigation in the event your insurer wrongfully delayed, undervalued or denied your claim.  This could dramatically increase your payout.

Hurricane Insurance Claims and Tropical Storm Insurance Claims

South Florida is in the path of danger and damage during hurricane season and as such many South Floridians carry hurricane and tropical storm damage insurance on their homes and businesses.  In good faith, they pay their premiums monthly with the assumption that they will be covered in the event of damage.  However, in an attempt to reduce their payout many insurance companies have undervalued estimates of damage, and both underpaid and denied claims.  To protect your legal rights, contact RRBH Law to represent you before placing a major storm damage claim, or in the event you believe you are not being offered a fair settlement.  RRBH Law can help enforce your right to proper recovery.

Water Damage and Flood Damage

Flood insurance claims typically come with federally mandated deadlines when a region has been declared a disaster area, and even if this is not the case, these claims typically have complex requirements.  Contact RRBH Law to help you receive fair compensation for flood losses.

Water damage may come from multiple sources including plumbing leaks, roof leaks, broken pipes, dishwasher leaks, water heater leaks, and faulty fire sprinklers.  When wind-driven rain enters your home or business, this is also considered water damage for insurance purposes.  Insurance companies will sometimes attempt to deny or underpay claims, and this is where RRBH Law can help.  Contact us before placing a major claim or in the event you have not been offered fair compensation.

Fire Damage

If you live close to the Florida Everglades, the risk of fire damage is prevalent during our dry season.  But any home or business is at risk of fire damage due to kitchen accidents, lightning, faulty electrical wiring or even arson.  Fire damage can be particularly painful to a family as personal belongings close to the fire are destroyed and others, damaged beyond repair from smoke and water used to douse the flames.  No matter how extensive the damage or how the fire started, call RRBH Law to represent your claim.

Mold Damage and Remediation

We love our Miami weather but it does tend to get humid and in this climate mold is a common problem.  This hidden danger can not only cause property damage but is highly toxic to people, and damages may extend to personal injuries from mold exposure including new or aggravation of existing illnesses.

Insurance companies often claim they are not responsible for mold remediation costs, but your homeowner or renters’ insurance policy may cover these expenses.  If your insurance company refused to replace flooring or drywall damaged by water or if you or someone you care about has suffered health issues due to mold exposure, contact RRBH Law for a no obligation evaluation.

Wind, Hail and Lightning Damage

Most insurance policies in Miami cover damages caused by wind, hail and lightning from wind-driven water, structural damage from hail that may be associated with subsequent water damage, or trees or branches falling on your home or business after being struck by lightning.  Lightning may also be the source of fire damage.  All of these scenarios should result in immediate damage compensation by your insurance company.  If yours is not offering a fair settlement to cover your costs, the attorneys at RRBH Law can help.

Theft, Burglary and Vandalism Claims

South Florida families work hard for our homes and belongings, and acts of theft or vandalism are stressful and disturbing enough without being told by your insurance company that your losses are not completely covered.  Theft and Vandalism insurance claims are typically very detailed and tedious to provide the expert documentation required by your insurance company to substantiate the value of your loss.  These claims are often quite costly, making proper legal representation essential.

Business Interruption Claims

Miami small business owners put their heart and soul into their business and any disruption or need to close due to disaster, damage, theft or vandalism, even for a few days, can cause the business to lose customer loyalty, income required to support a family, and unique business opportunities.  The attorneys at RRBH Law are experienced in representing the full impact of your damage, including to your small business, to help you to receive fair compensation.

Builders Risk Insurance Claims

Builders Risk Insurance is a specific type of insurance that covers builders and property owners during renovation, repair or construction.  It covers structures currently under construction as opposed to the contents covered by a typical property insurance policy.  If your insurance company has disputed a claim under your Builders Risk Insurance policy, please contact the attorney at RRBH Law to help.

The attorneys of RRBH Law are prepared to take on your insurance dispute at any stage of the proceeding, and they offer the specialized resources and knowledge necessary for your case.

What To Do Immediately Following Damage To Your Home

• Assess the situation.
• Evacuate yourself and your family from any immediate danger.
• Call 911 if there are any physical injuries or risk of fire.
• Only speak to the police officer and emergency response team.
• Review the police report and make sure all of the information is accurate.
• Do not sign anything, or admit that you are fault.
• Call RRBH Law immediately via our 24/7 Property Insurance Claim hotline at 305-800-HOME.
• If it is safe to do so, take pictures of the damage.