From historic Mediterranean-style homes near Granada to high-rise condos on Ponce de Leon, Coral Gables property owners pay premium rates for insurance — and get hit hard when carriers deny, delay, or underpay legitimate claims. The Farber Law Firm represents Gables homeowners, condo associations, and businesses against the insurance companies. David Farber spent years defending those same carriers, and he uses that inside knowledge against them every day.
Coral Gables' housing stock is older than most of South Florida — many homes predate 1950, with original tile roofs, plaster, and plumbing. That makes loss valuation a fight: carriers routinely depreciate aggressively, scope repairs narrowly, and lean on 'wear and tear' or 'pre-existing condition' exclusions to cut payouts.
Hurricane and tropical-storm claims dominate our Coral Gables docket. After Irma, Ian, and the more recent named storms, we've seen the same playbook: low initial offers, demands for endless documentation, engineer reports that conveniently attribute damage to a non-covered cause, and slow-walked supplements.
Condominium claims add another layer. Allocation between the master policy and unit-owner HO-6 policies is where carriers create gaps, and Florida's Chapter 718 doesn't always answer cleanly. We've handled both unit-owner and association claims across the Gables.
Send us the policy, the denial letter, and any engineer or adjuster reports. We tell you straight whether you have a case.
We compare the actual policy language to the carrier's stated reason for denial or underpayment — that's where most claims get won.
Where bad faith is supported, we file a Civil Remedy Notice with DFS to start the statutory clock on the carrier.
If the carrier won't pay what the policy requires, we file in Miami-Dade Circuit Court and push toward trial.
Most cases settle once the carrier sees we're trial-ready. When they don't, we try the case.
We represent clients in every neighborhood, including:
First, get the denial letter in writing and the carrier's full claim file. Florida law (Fla. Stat. § 627.70131) sets strict timelines on insurers. We review the policy, the denial reasons, and any engineer reports — and frequently find the denial isn't supported by the policy language or the loss facts.
For first-party property claims, Fla. Stat. § 95.11(2)(e) requires you to file suit within 5 years of the date of loss for breach-of-contract claims (with shorter windows for hurricane-specific notice requirements under § 627.70132 — generally 1 year for initial notice and 18 months for supplemental). Don't assume — call us with your dates.
Florida law prohibits insurers from non-renewing or canceling a policy in retaliation for a legitimate claim or lawsuit. Carriers regularly raise the same concern to discourage homeowners from enforcing their rights — it's leverage, not law.
They serve different functions. A public adjuster helps value and present the claim. An attorney enforces the policy as a contract and can sue for breach, bad faith, and (in many cases) attorney's fees. For denied or seriously underpaid claims, you need a lawyer.
Most first-party property cases are handled on contingency — no fee unless we recover. Florida's one-way fee statute was substantially curtailed by 2022–2023 reforms, so fee arrangements vary by policy and loss date; we explain the economics before you sign.
Free, confidential consultation. No fee unless we recover (most personal injury and insurance matters).
Call 8888-FARBER