Sometimes tragedy strikes. It can be scary, and even overwhelming. If your Florida home, condo or business has been damaged by fire, flood or hurricane, or for any reason, you’re probably thinking to yourself – “thank goodness we have insurance.”


If you’ve never filed a claim before, don’t fret because there are certain steps you can take to ensure your insurance your insurance company can respond quickly to your needs, especially as it relates to severe damage that may leave your home of office uninhabitable.


These basic 3 steps below outline what absolutely needs to get done in order to file an insurance claim and also what you can do if your insurance carrier, denies, delays or undervalues your claim.



You have to let them know that damage occurred. You can’t expect your insurance company to respond to your coverage needs if you don’t notify them. If you have an insurance agent, contact them first. The response time may be shorter and more personable. If not, simply contact the 24-hour call center and provide the necessary details to begin your claim.



Your insurance company is going to send an adjuster to survey the damage, but until they arrive, it’s your responsibility to record any damage that has occurred through photographs, video while also making an inventory list of damaged or destroyed items. DO NOT clean up any of the damage before the adjuster has a chance to see it. If you have to move an object for safety reasons or to prevent more damage, that’s ok. Just make sure to record original positions and the damage caused. All of this is important because it factors into how your claim is evaluated.



The adjuster is going to give you an estimate of the damages and the cost of replacement. Just remember, insurance adjusters are employed by the insurance company so it’s not always in their best interest to maximize your coverage for your loss. It’s a good idea to get an estimate for repairs on your own.


At Acle Law, we only specialize in one thing – Florida property insurance claims. We’ve been doing it for decades and our attorneys understand the nuanced approach needed to maximize your claim and get the repairs done. At Acle Law, we provide a complimentary review of your insurance policy, so you understand what is and what is not protected. We will walk you through the terms of your insurance policy and provide representation in any dispute in Florida where your insurer is denying, delaying or under-paying your claim. Call our Miami property insurance claim attorneys at the Acle Law Firm today at 305-447-4667 or visit Acle Law for a free consultation.


This latest brush with Tropical Storm ETA reminded us how vulnerable we are to strong storms and hurricanes in our region. And when a storm passes – whether a strong afternoon thunderstorm or major hurricane, dishonest fraudsters and contractors often come out and prey upon homeowners and business owners whose property was damaged. These individuals often go door-to-door looking to capitalize on people in desperate need of repairs. While most contractors are legitimate and work to the best of their ability, there are others who make false promises, demand up-front payments and never start or finish the actual work.

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We’ve been lucky so far this hurricane season across South Florida, but that won’t always be the case. Did you know that recent estimates indicate the losses from Hurricane Laura are going to be between $8 and $12 billion in Louisiana alone. That means that a lot of Louisiana residents are now navigating the insurance claims process. So how exactly does that work? What happens if and when a storm hits South Florida?

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Hurricane season here and it’s essential to prepare your Miami home or Miami business before potential disaster can strike – especially if you live in South Florida where we call home. Now is the time to determine your personal hurricane risk and better understand local hurricane evacuation zones while reviewing and updating your Miami property insurance policies. It’s also a good idea to make a list of hurricane emergency supplies you’ll need and to start and pull that kit together now as best you can. Keep in mind, you may need to adjust storm preparedness based on health and safety guidelines from the CDC and local and state officials. But to get you started, Acle Law has pulled together this basic Hurricane Preparedness Checklist for you.

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Let’s face it – we all buy insurance hoping we will never need it, but when a situation arises and a claim needs to be filed, many are at a total loss about how to proceed. The following information from our Founding Partner Edward Acle should help answer some of your most basic questions and property damage insurance claims. If you have additional questions or need assistance filing a claim or resolving a dispute with your insurance carrier, call Acle Law at 305-447-4667 or visit for an absolutely free and confidential consultation.

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The implications of business interruption insurance coverage across the Miami business community is causing unprecedented uncertainty and anxiety during the COVID-19 quarantine in South Florida. As businesses and carriers across all verticals review policies for possible coverage during the coronavirus pandemic, questions are falling into a few predictable buckets of coverage.

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Many businesses across South Florida are being told by insurers that your business interruption policy does not cover events related to the COVID-19 pandemic, because either the policy specifically excludes pandemics or viruses, or there has not been actual “property loss.” Our team at Acle Law has researched and assembled what a complaint against an insurer might look like regarding the latter, and we believe strong arguments can be made that in fact coverage does exist.  

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The COVID-19 pandemic has created a swirling storm of chaos across the globe, and with any crisis – just like the hurricanes we experience in South Florida – there are people looking to exploit confusion for their own profit. Some are creating false storefronts and offering hard-to-find items that once paid for, never get delivered. Others are creating schemes via text messages, emails, apps or phone calls. Some of the below are even spreading as fast as the virus itself. As a South Florida consumer, be weary of these and many other scams out there. Stick to trusted sources in times like these.

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