Florida homeowners face some of the most contentious insurance disputes in the country. After a hurricane, storm, flood, fire, or other covered event, insurance companies often respond with delays, denials, and very low settlement offers. This is not an accident. It is a calculated business strategy built to protect their profits at your expense.
At VP Law, Attorney Vanessa N. Perez knows exactly how insurance companies operate, because she has seen their tactics used against her clients again and again. When your insurer fails to honor your policy, VP Law steps in to hold them accountable. We review your policy in full, document your damages with independent experts, and fight aggressively for the complete settlement you are entitled to.
Important: Don't Accept a Denial as Final
An insurance company's first response, whether a denial, a delay, or a low offer, is almost never their final position. With proper legal representation, many initially denied or underpaid claims are resolved in the policyholder's favor. Contact VP Law before accepting any insurance company decision.
Types of Claims We Handle
Hurricane & Wind Damage
Florida's storm seasons cause billions in property damage. We fight for full roof replacement, structural repairs, and all covered wind damage.
Water & Flood Damage
Burst pipes, plumbing failures, roof leaks, and water intrusion claims that insurers routinely dispute or underpay.
Fire & Smoke Damage
Full property damage claims including structural repairs, smoke remediation, and loss of personal property and belongings.
Mold Remediation
Mold caused by covered water damage. We fight insurer disputes over the cleanup and coverage you are owed.
Roof Damage Claims
One of the most contested claim types in Florida. We fight insurance companies for full roof replacement when your policy and damage warrant it.
Bad Faith Insurance
When your insurer unreasonably denies, delays, or underpays, they may be liable for additional damages under Florida's bad faith statutes.
How the Claims Process Works
Free Policy Review
We review your homeowner's insurance policy in full to understand exactly what you're owed and identify every applicable coverage.
Damage Documentation
We work with independent adjusters and licensed contractors to fully document all damage, which counters the insurance company's lowball assessment.
Formal Claim Submission & Negotiation
Armed with thorough documentation, we present a comprehensive demand to your insurer and negotiate aggressively from a position of legal strength.
Dispute & Litigation if Necessary
If your insurer acts in bad faith or refuses a fair settlement, VP Law takes legal action. That can include pursuing extra damages for bad faith conduct under Florida law.