Fire Damage Claims

Florida Fire Damage Insurance Claim Lawyer

A fire can change everything in an instant. Damaging your home, business, or personal belongings and turn your life upside down. As you deal with the emotional and financial toll, the last thing you need is pushback from your insurance company.

At Leon Attorneys, we help Florida homeowners and commercial property owners navigate the fire insurance claims process. Whether your claim was denied, delayed, or undervalued, we step in to guide you through your policy and work toward a resolution that supports your recovery.

Why Fire Damage Claims Are Often Disputed?

Filing a fire damage claim should result in fair compensation for your losses. Unfortunately, insurance companies may not always act in your best interest. After a fire, they may:

• Blame you for the cause of the fire
• Question the extent of your losses
• Offer a payout that falls far below the actual damage
• Delay the claim by requesting excessive documentation
• Deny the claim based on technicalities in the policy

These tactics are not uncommon. That’s why having legal support early in the process can make a significant difference in both your experience and outcome.

We Help With All Types of Fire-Related Losses

Fire and smoke can cause widespread damage to your home, belongings, and personal well-being. Depending on your policy, covered losses may include:

• Smoke and soot contamination
• Water damage from firefighting efforts
• Loss of personal property (furniture, clothing, electronics)
• Costs of temporary relocation or alternative housing
• Business interruption losses for commercial properties
• Health-related expenses if you or a family member suffered injuries

We work with adjusters and contractors to assess the full scope of your losses and ensure every aspect is properly documented for your claim.

What Our Fire Damage Attorneys Do


1. Review Your Insurance Policy

We help you understand what your policy covers, what exclusions apply, and what benefits you may be entitled to. Every policy is different, and interpreting complex language is key to protecting your rights.

2. Document the Full Extent of the Damage

We help gather critical evidence, including:

• Photos and videos of the scene
• Fire department and investigation reports
• Medical records (in cases of injury)
• Receipts and estimates for lost or damaged items
• Contractor assessments

3. File or Refile Your Claim

If you’re starting from scratch or correcting a previously denied claim, we handle the filing process to ensure accuracy, timeliness, and completeness.

4. Dispute Claim Denials or Underpayments

Many fire claims are initially denied or underpaid. We challenge the decision through appeals, negotiation, and, if necessary, legal action.

Common Reasons Fire Claims Are Denied in Florida

• Alleged policy violations or missed deadlines
• Claims of arson or intentional misconduct
• Disputes over what was lost or damaged
• Coverage exclusions (e.g., outdated or canceled policies)
• Incomplete or incorrect claim documentation

We help resolve these disputes by focusing on facts, policy language, and supportive evidence.

Can I Still File if My Fire Claim Was Denied?

Yes. A denied claim does not mean you’re out of options. We can review your denial letter, identify errors or oversights, and begin the appeal process. You may not need to start from scratch; just support your claim with stronger documentation and the right approach.

Call a Florida Fire Damage Lawyer Today

If you’re struggling to get a fair outcome from your fire insurance claim, we’re here to help. At Leon Attorneys, we assist Florida residents through every step of the claims process from documentation and filing to appeals and litigation.

Call 567-8-ON-LEON or contact us online to schedule a consultation. Whether your property is in Miami, Fort Lauderdale, Orlando, Tampa, Jacksonville, or anywhere in Florida, our team is ready to support your recovery.