Our experienced homeowners Insurance claim lawyers at Legal Grit PLLC represent homeowners throughout Florida in first-party insurance disputes.

Policyholders, like yourself, pay thousands of dollars each year in premiums to insurance companies to protect their homes and assets from sudden and disastrous events, such as tornadoes, hurricanes, pipe breaks, fire, theft, vandalism, lightning, and more. When an insurance company contractually agrees to cover losses under the insurance policy you paid for and then either drastically underpays, denies, or delays payment for your covered damages, a breach of that agreement occurs.

When an insurance company refuses to uphold its end of the bargain you paid for by trying to use a loophole or exclusion in your insurance policy to limit your coverage, we will fight back to obtain the compensation owed to you. That’s where we come in as your homeowners insurance lawyer.

We have experience in fighting your home insurance company and holding their feet to the fire to prevent them from evading its obligation to you as a policyholder to simply maximize their bottom line.


  • Fire Damage Claims
  • Wind Damage Claims
  • Hail Damage Claims
  • Cast Iron Plumbing Claims
  • Theft and Vandalism Claims
  • Water Damage Claims
  • Mold and Mildew Claims
  • Plumbing Leak Claims
  • Biohazard Claims
  • Hurricane Claims
  • Sinkhole Claims

Has your insurance company refused to pay? A homeowners insurance claim lawyer at Legal Grit can help. 

When your property is damaged and your insurance company unfairly denies a valid claim, a homeowners insurance claim attorney at Legal Grit PLLC, can help you protect your rights and fight for the compensation you are entitled to. We assist policyholders involving insurance claim disputes on a contingency basis, which means that you pay nothing, and we receive nothing unless we are successful in your case. To learn more, contact one of our offices throughout Florida to schedule a free consultation.


frequently asked questions

What is homeowners’ insurance?

Homeowners’ insurance is a type of insurance coverage that protects homeowners from financial loss due to damage or destruction of their property, as well as liability for injuries and damages caused to others on their property.

What are first-party insurance disputes?

First-party insurance disputes refer to conflicts between policyholders and their insurance companies regarding the coverage, payment, or denial of a claim made by the policyholder. In the context of homeowners’ insurance, it involves disagreements over the compensation for damages to the insured property.

How can a homeowners’ insurance claim lawyer help me in Florida?

A homeowners’ insurance claim lawyer specializes in representing homeowners in insurance disputes. They can help you navigate the complex legal process, assess the value of your claim, negotiate with the insurance company on your behalf, and pursue legal action if necessary to ensure you receive the compensation you deserve.

What does homeowners insurance protect against?

Generally, homeowner’s insurance will cover replacing your home and personal property damages. Most disasters are covered, but not earthquakes or floods, and homeowner’s policies do not cover the normal aging of your house and general maintenace. Homeowner’s insurance also may include liability coverage, which covers personal injuries to other people that happen due to your negligence.

Homeowners’ insurance typically covers a wide range of damages, including but not limited to:

  • Fire damage: Compensation for losses caused by fire incidents.
  • Wind/ Hail damage: Coverage for damages caused by high winds, such as roof damage or structural destruction.
  • Plumbing/Appliance failures: Reimbursement for water and ensuing damages resulting from a sudden and accidental pipe breaks, bursts and appliance failures.
  • Theft and vandalism: Protection against losses due to theft or acts of vandalism.
  • Mold: Compensation for ensuing mold losses resulting from a covered peril.
  • Biohazard: Coverage for damages caused by hazardous materials or substances.
  • Hurricane damage: Protection against losses caused by hurricanes or tropical storms.

What should I do if my insurance company refuses to pay my claim?

If your insurance company denies your claim or fails to provide a satisfactory settlement, it’s advisable to seek legal assistance from a homeowners’ insurance claim lawyer. They can review your policy, gather evidence to support your claim, and advocate for your rights, increasing the likelihood of a fair resolution to your case.

Remember, each case is unique, and it’s important to consult with an attorney who can provide personalized advice based on the specific details of your situation.



Legal Grit, your insurance claim attorney in Florida takes all cases on a contingency basis, which means that you pay nothing, and we receive nothing unless you win your case by way of a settlement or verdict.