Yes. Florida law allows policyholders to sue their carrier for breach of contract when a hurricane claim is denied or underpaid, and for bad faith when the carrier acts unreasonably. Vega Legal Group pursues both causes of action on contingency.

Florida Statute § 627.70132 requires notice of a hurricane claim within one year of the date of the storm. Supplemental and reopened claims must be filed within 18 months. Acting fast preserves evidence and your right to recover.

The carrier’s adjuster is paid by — and answers to — the carrier. We retain independent estimators, roofers, and engineers to document the true cost of repair. The difference often runs from tens of thousands to six figures.

Standard Florida homeowners policies cover wind damage but exclude flood. Hurricane policies have a separate, higher deductible. Mixed wind-and-flood damage is often disputed — we use expert engineering reports to prove the percentage caused by wind.

The Florida Insurance Guaranty Association (FIGA) takes over claims when a Florida insurance carrier becomes insolvent. FIGA caps payouts at $300,000 per claim and operates under different timelines than the original carrier. We handle FIGA claims regularly.

Yes. Vega Legal Group accepts hurricane damage claims on pure contingency. You pay nothing up-front. We advance all costs. Our fee is a percentage of recovery — plus statutory fees from the carrier when we win.

Photos of damage before and after, the insurance policy declarations page, the date of loss, any correspondence with the carrier (especially denial letters), and contractor estimates. We obtain everything else — meteorological data, expert reports, roof core samples — at our cost.

Pre-suit demands often resolve in 60–120 days. Filed lawsuits in Miami-Dade Circuit Court typically take 9–18 months. Bad-faith cases run longer but produce larger awards.