Homeowners and property owners across Miami, South Florida, and throughout the state know the risks well: hurricanes, flooding, mold, fire, and more. When disaster strikes, your insurance company has a team of adjusters and lawyers working to minimize your payout. You deserve the same.

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The Bernstein Law Firm represents Florida property owners in insurance claims disputes — making sure your insurer honors its obligations under your policy. Whether your claim was underpaid, delayed, or denied, we review your policy, document your losses, and fight for a fair recovery.

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Casualty claims can be complex and overwhelming to navigate alone. While it is always better to involve us early in the process, it is never too late for our team to step in.

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Serving Property Owners Across South Florida: We handle property damage claims in Miami-Dade, Broward, and Palm Beach counties — including Miami Beach, Hialeah, Coral Gables, Fort Lauderdale, Boca Raton, West Palm Beach, and surrounding areas. Hurricane season and South Florida's climate make property insurance disputes among the most common legal matters in the state.

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FREQUENTLY ASKED QUESTIONS

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My insurance claim was denied. What are my options? A denial is not the final word. You have the right to dispute a denial through a formal appraisal process, file a complaint with the Florida Department of Financial Services, or pursue litigation. An attorney can review your denial letter and policy to determine the strongest path forward.

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What is a public adjuster and do I need one? A public adjuster is a licensed professional who assesses property damage on your behalf. While public adjusters can be helpful, they are not attorneys and cannot represent you in litigation. If your claim is disputed or heading to court, you need a licensed attorney.

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How long do I have to file a property damage claim in Florida? Florida law sets specific deadlines for property insurance claims. For most claims, you must report the loss promptly and pursue any legal action within the timeframe set by your policy or Florida statute. Delays can jeopardize your right to recover. Contact us as soon as possible.

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Will hiring an attorney cost me money upfront? We review property damage cases and can discuss fee arrangements, including contingency options for appropriate matters. Contact us to discuss your specific situation — there is no cost for an initial consultation.

Our experienced team of litigators can assist you in the following types of Property Damage Claims:​