Property Insurance Claims · Central Florida
Stand up when an insurer says no.
You paid the premiums. The covered loss happened. The insurer denied, underpaid, or is dragging its feet. Brittany G. Melendez represents Florida homeowners — the policyholder, never the insurer — in first-party property insurance claims.
What the firm handles
First-party homeowners' claims
"First-party" means the insurer owes you, not someone else. The firm represents Florida homeowners when an insurer denies a claim, undervalues or underpays a claim, or unfairly delays the claim process. Recurring failure patterns the firm sees:
Hurricane and windstorm
Wind-driven roof and structural damage, secondary water intrusion, named-storm deductibles, and disputes over what counts as "wind" versus "flood."
Roof damage
Denials based on alleged "wear and tear" or "pre-existing condition," partial-roof scope disputes, and matching-shingle disputes.
Plumbing leaks and pipe bursts
Sudden-and-accidental water losses, cabinetry and flooring damage, and disputes over the long-term-seepage exclusion.
Underpaid and delayed claims
The insurer paid something — but not enough, or scope-of-loss is missing rooms, or the claim has been "under review" for months without movement.
How the firm works
What to expect when you call
Free claim review
Send a description of the loss, the denial or payment letter, and any photos. The firm tells you whether there's something worth pursuing — even if the answer is no.
Statutes that protect you
Florida has specific statutes governing how property insurers must investigate, communicate, and pay claims. The firm uses them when an insurer falls short.
You don't pay out of pocket
Property insurance representation is offered on a fee structure that does not require you to pay legal fees out of pocket. The fee structure is laid out in writing in the engagement letter before any work begins, including how costs are handled if there is no recovery.
Common scenarios
Specific situations the firm handles
Additional scenario pages — roof damage, plumbing leaks, windstorm — coming soon.
Time matters on insurance claims.
Florida law sets deadlines for reporting losses, supplementing claims, and filing suit. The longer you wait, the more your options narrow. If your claim has been denied, underpaid, or stalled, call sooner rather than later — even if you are unsure of your claim potential or whether you want to fight yet.