Miami Property Insurance Lawyers for Large and Commercial Claims
A serious property loss is hard enough, but it gets worse when the insurance company denies, delays, or underpays the claim. Stabinski Law represents Florida policyholders in large property insurance claims: commercial buildings, condominium and apartment associations, and major residential losses valued at $75,000 or more.
If an insurer has denied, delayed, or underpaid a claim of that size, we know how to change the conversation. And we are straight with people: if a claim is not one we can take, you will hear it from us before you have sent a single document.
Our firm has fought insurance companies on behalf of policyholders since 1970, and across every practice area, Stabinski Law has recovered more than $500 million for its clients. Two generations of the same family have built that record.
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We Are Available 24/7
Focused on Large Property Losses
When a hurricane, a pipe failure, or a fire does serious damage to a building, the insurance claim can turn into its own second disaster: an engineer’s report that blames wear and tear, an offer that does not come close to the repairs, or an adjuster who stops calling back. We handle those claims for commercial buildings, condominium and apartment associations, and property owners with losses of $75,000 or more.
We focus on large losses because Florida no longer requires an insurer to pay a winning policyholder’s attorney’s fees, so the costs of the fight now generally come out of the recovery. A large claim can carry that fight. A smaller everyday claim usually cannot, and for those losses a public adjuster is often the more practical route.
If you are not sure which side of that line your loss falls on, call 305-643-3100 or fill out the form, and you will get a free, straight answer.
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
Octavio A. Mella
Norman Funt, In Memoriam (1948-2018)
Why Stabinski Law Focuses on Large Property Insurance Claims
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For decades, Florida had a one-way attorney fee rule for insurance cases. When a policyholder sued their insurance company and won, the insurer paid the policyholder’s attorney’s fees, so even a modest claim could be worth fighting because the fees did not come out of the recovery.
The Legislature removed that right for residential and commercial property insurance suits in December 2022 and repealed the fee statute altogether in March 2023. Under current law, a property owner’s attorney’s fees and case costs generally come out of whatever is recovered. One wrinkle worth knowing: the changes generally apply to claims and policies that came after them, so if your loss or your policy predates the change, the older rules may still apply to you. Which rules govern your claim is a question we can answer in one conversation.
A large loss still justifies the full fight. A six-figure commercial, condominium, or apartment building claim can support the policy analysis, the expert witnesses, the appraisal work, and a trial if the insurer will not pay what it owes. A smaller claim often cannot.
Florida’s claim deadlines have also shortened. Notice of a new property claim must generally reach your insurer within 1 year of the date of loss, and a supplemental claim within 18 months, under Section 627.70132 of the Florida Statutes.
A lawsuit for breach of a property insurance policy generally must be filed within 5 years of the date of loss under Section 95.11. A large claim rewards early attention, while the evidence is fresh and every deadline is still open.
We prepare every property claim as if it will be tried, and we have spent more than 50 years across the table from Florida’s insurers.
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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