Homeowner Insurance Claims

Protecting Your Property. Pursuing the Recovery You Deserve.

Have You Sustained Property Damage?

From the moment you file a claim, the insurance company assigns adjusters and attorneys who work to limit or deny coverage. We stand ready to fight for you. Property insurance claims arise when sudden and accidental losses damage a residential or commercial property. These losses may come from pipe bursts, hurricanes, cast iron pipe failures, fires, or vandalism. Because these risks are real, property owners should carry strong insurance to protect themselves from financial harm. Serious damage to your home or business can stop your life in its tracks. The impact may leave you displaced, living in unsafe conditions, or facing lost income. Meanwhile, many insurance companies look for ways to delay, deny, or underpay valid claims. The experience often feels overwhelming and deeply frustrating. If your home or business has suffered damage, contact The Hernandez Legal Group today and begin moving toward recovery.

Expert Policy Interpretation

Strategic Claim Negotiation

Comprehensive Damage Assessment

Why So Many Homeowners Choose The Hernandez Legal Group

Cases We Cover

Your insurance policy explains what damage is covered and what exclusions apply, so understanding it -or having legal counsel review it- is essential. Policies often address fallen tree damage, storm damage, water damage, fire and smoke damage, hurricane damage, tornado damage, wind damage, hail damage, mold damage, theft, vandalism, and even property damage caused by auto accidents. However, specific policy details may still limit or block payment. After we review your policy, we can guide you on what coverage truly applies.

Cast Iron Pipe Damage?

Water damage is one of the most intrusive types of damage that can occur in a home. It seeps into porous surfaces, damages precious hardwood floors, and affects nearly everything it touches. When water damage from a leak happens in your home, it can take many hours and much heartache to clean. If you suspect your insurance company is acting in bad faith to avoid paying you the money you need to fix your property damage and replace your piping or feel you have been underpaid for your claim, we are here to help you.

No Fee Guarantee. No Obligation.

We offer a No Fee Guarantee—if you don’t win, you don’t pay—and our property damage attorneys work to secure the maximum settlement. We also partner with property experts so a professional home inspector can assess your home, evaluate repair costs, and prepare a report to support your claim. You are never under any obligation, as we focus on helping real people without pressure or sales tactics. For more than twenty-five years, The Hernandez Legal Group has built a strong reputation as the Florida law firm that fights for those who cannot fight for themselves.

Why Choose The Hernandez Legal Group

Our process is designed to give you peace of mind. We are dedicated to defending your rights with focused and knowledgeable legal representation.

⁠Deep Roots in Miami

01

As Miami locals, we are not just your attorneys—we are your neighbors. We have a deep connection to the Miami community.

A Lifetime Commitment

02

Your relationship with us does not end when your case does. We are committed to being your legal partners for life.

Your Trusted Legal Partner

03

Our team is always available to answer questions, provide guidance, and help you navigate the complexities of the legal system.

“Frank is an excellent lawyer. He deals with big insurance companies and gets you what you deserve. I am a licensed public adjuster in the State of Florida and have referred several cases to Frank in the past–all of which were handled with great success. I am extremely satisfied and grateful that I found an attorney like Frank that can fairly and quickly handle residential and commercial property insurance claims.”

Maria Muniz

FAQ – First Party Property Insurance Claims

Frequently Asked Questions About Property Damage Claims

What should I do first after my Florida property suffers damage?

After damage occurs, document everything with photos and videos. Then, contact your insurance company to report the loss promptly. Finally, reach out to The Hernandez Legal Group to ensure your claim is properly handled from the start.

How long do I have to file a property damage claim in Florida?

Florida law generally gives homeowners one year to file a property insurance claim. However, acting quickly is essential to preserve evidence and strengthen your case. Our attorneys guide you through every step to ensure your rights remain protected.

What types of property damage are typically covered under Florida insurance policies?

Most Florida property insurance policies cover losses caused by hurricanes, pipe bursts, fires, windstorms, and vandalism. Still, coverage varies by policy. At The Hernandez Legal Group, we review your policy and determine the full extent of your benefits.

Why do insurance companies undervalue or deny claims for cast iron pipe damage?

Due to high replacement costs, insurers often undervalue or deny cast iron pipe claims unfairly. Consequently, many homeowners face overwhelming out-of-pocket expenses. At The Hernandez Legal Group, we aggressively handle these claims, litigate strategically, and achieve excellent results for our clients.

The Representation You Deserve

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