Florida Property Insurance Attorneys
As an insurance policyholder, you have the right to expect that your insurance company will provide compensation to offset the cost of covered injuries, damages, or repairs. When a company refuses to abide by the terms of an insurance policy, it may be held liable for bad faith. Stabinski Law has been serving clients since 1970. As one of the oldest firms in Florida, we offer knowledgeable counsel to help you seek the compensation you deserve.
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We Are Available 24/7
Seeking the Coverage You Deserve
Do you believe your insurance company has treated you unfairly? Under the Florida Unfair Claims Laws and Regulations and the Unfair Insurance Trade Practices Act, there are several situations that may be grounds for filing a bad faith claim. Our Fort Lauderdale & Miami insurance claim lawyers have years of aggregate experience in these situations and can provide time-tested counsel to benefit your case.
The world of insurance claims can be incredibly complex. At Stabinski Law, we understand the complexity of such claims and offer legal guidance to help clients navigate a maze of terms and policies. Decades of experience give us the insight needed to meet your needs in an affordable, swift, and non-invasive manner.
Retain us to handle your legal issues while you focus on living life with minimal anxiety. With our insurance team, legal help is just a phone call away. We make ourselves available to clients 24/7 so you never have to wait for the legal service you need. Additionally, free case evaluations and a contingency fee policy mean our services are affordable and accessible.
Contact Stabinski Law Today
We Handle the Following Types of Claims
Meet Our Attorneys
Put More Than 100 Years of Collective Experience in Your Corner
Luis Stabinski
Todd Stabinski
Ariel Furst
Daniel Caine
Octavio A. Mella
Norman Funt, In Memoriam (1948-2018)
Maria P. Mendoza
What Sets Us Apart?
Why Should I Hire a Lawyer to Represent Me?
Unfortunately, insurance companies that pretend to be on your side following an accident are typically working against you behind the scenes. Ultimately, their goal is to get away with settling for the lowest possible amount. And if you’re not careful, you can be taken advantage of by accepting significantly less in settlement than your case is actually worth. You should continue hiring a lawyer to represent you in your case for the following reasons:
- Typically, if you are approached with an offer from the insurance company after an accident, it’s in your best interest to consult with an experienced legal team before accepting or denying the offer. If you accept the offer immediately and sign any paperwork finalizing it, you will be waiving your right to seek compensation for any additional damages in the future. This is why it’s so important to make sure the offer you’re accepting is a fair one.
- Our experienced personal injury professionals can become your point of contact between you and the insurance company, saving you from the stress and hassle of trying to negotiate with them yourself. This allows you the time you need to focus on yourself, recovering from your injuries, and getting back to normal as soon as possible following your accident.
- In the meantime, our legal team will get to work going through the often complicated claims process. This involves not only submitting any necessary paperwork to file your claim, but being in constant contact with the insurance company to negotiate as needed.
- In some cases, it may be necessary to prove in court that the person or party who caused your accident was actually at fault. Sometimes, this can be a real challenge, which is where having a skilled team of legal professionals on your side can once again make all the difference. At Stabinski Law we have the experience, resources, and know-how to build your case and present it in court if needed.
We treat every case as if we will need to take it to court, though we always strive to reach an agreeable settlement with the insurance companies out of court in order to save you the additional time, hassle, and fees.
You do not have to accept bad faith practices. If you have been a victim of any of the practices listed above, our Miami insurance lawyers can help you negotiate an equitable payment. When necessary, we can even take your claim to court in insurance bad faith litigation, collecting the evidence necessary for a strong case. We are prepared to do whatever it takes to help you.
Deliver Swift, Efficient Results
We work quickly to deliver prompt and effective solutions to our clients.
Offer Accessibility and Services 24/7
We are never too busy to speak with you or address your concerns.
Resolve Most Cases Without a Trial
As skilled attorneys, we are often able to help our clients avoid a costly trial while delivering positive results.
Can Handle Every Stage of a Legal Matter
We can walk you through each step of your case, from the initial consultation all the way to a trial, if necessary.
Ready for Trial if Needed
We are fierce trial attorneys who know how to confidently litigate cases in front of a judge and jury.
Make Insurers Play by the Rules
We don't let insurance companies take advantage of our clients. Our team fights to help you obtain a fair settlement.
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Frequently Asked Questions
What size property insurance claims does Stabinski Law take?
Stabinski Law handles property insurance claims valued at $75,000 or more, and focuses on commercial property, condominium, and apartment building claims. Florida law no longer requires an insurer to pay a policyholder’s attorney’s fees, so both the fee and the costs of building a case come out of the recovery. That is why smaller everyday claims generally fall outside what the firm can take on.Â
Do I need a lawyer if my property insurance claim was denied?
You are not required to hire a lawyer, but a denial is often not the end of the claim. Many property clients contact Stabinski Law after the insurer stops responding, closes the file, or denies the loss without a clear explanation. An attorney can compare the denial to the actual policy language, gather missing evidence, and press the claim forward. The consultation is free, so you can find out where you stand before deciding what to do.
How much does it cost to hire a property insurance lawyer?
Stabinski Law handles property insurance disputes on a contingency-fee basis. You pay no upfront attorney’s fee, and the firm only receives a fee if compensation is recovered for you. Because Florida no longer requires an insurer to pay a policyholder’s attorney’s fees, both the fee and the cost of building the case come out of the recovery, which is why the firm concentrates on larger losses. The fee percentage and case costs are explained in writing before you hire the firm, and you can ask the team to walk through the agreement during your free consultation.
What if my claim wasn’t denied — just underpaid?
An underpaid claim is often worth reviewing. If the insurer’s payment does not come close to the real repair cost, the claim may still be open to challenge. One hurricane client came to Stabinski Law after the insurer offered roughly a third of the damage, and the firm recovered the full amount. Bring your estimate and the insurer’s offer to a free consultation so the team can tell you honestly whether the gap is worth pursuing.
Can I still hire a lawyer after I’ve already accepted a payment from my insurance company?
In many cases, yes. Accepting a payment does not always close the claim. If the payment did not cover the true repair cost, you may be able to pursue a supplemental claim, as long as Florida deadlines still allow it and you have not signed a full release. Because deadlines are short and release language matters, have an attorney review the paperwork as soon as possible.Â
How long does a property insurance dispute take?
The timeline depends on the insurer’s response and the complexity of the dispute. Some claims resolve within a few months after the firm sends the first notification letter; heavily disputed claims can take a year or more. Clients often tell us that the letter finally got the insurance company’s attention after months of silence. Stabinski Law gives realistic expectations for your specific situation and keeps you informed as the claim moves.
Should I hire a public adjuster or an attorney?
Public adjusters and attorneys do different jobs. A public adjuster documents and estimates the loss and negotiates with the insurer. An attorney can file suit and hold the insurer legally accountable when negotiation stalls. Some clients come to Stabinski Law after the insurer closes a claim while a public adjuster is still trying to get a response. For smaller everyday losses, a public adjuster is often the more practical route. If you are unsure which help you need, a free consultation can clarify the next step, and both can sometimes work on the same claim.
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