Florida has the most expensive — and most contested — property insurance market in the country. The Farber Law Firm represents homeowners, condo associations, and businesses across South Florida against insurance carriers that deny, delay, or underpay legitimate claims. David Farber spent years on the defense side. He now uses that same insider perspective to fight for policyholders from Miami through Palm Beach.
South Florida's insurance market has been in upheaval. Carriers have left the state, gone insolvent, raised premiums dramatically, and tightened claim handling. The 2022 and 2023 reforms (SB 2A, HB 837) reshaped attorney-fee recovery, AOB practice, and notice deadlines. None of that eliminates your right to enforce the policy contract — but it does change strategy.
Loss patterns differ across the region. Miami-Dade sees heavy condo and high-rise exposure; Broward has a mix of waterfront homes, mid-rise condos, and commercial properties; Palm Beach skews toward higher-value single-family homes and country-club communities. Each invokes different policy forms and different carrier behavior.
Hurricane, water damage, roof, and mold claims dominate the docket — but we also handle theft, vandalism, sinkhole, fire, and complex commercial property and business-interruption claims. Many of our cases come in after the homeowner has already fought the carrier alone and hit a wall.
Send us the policy, denial letter, and estimates. We tell you whether the carrier's position holds up.
We compare the policy language to the carrier's reasoning and identify the right legal theory — breach, undervaluation, or bad faith.
We assemble engineer reports, contractor estimates, and a documented demand designed to force a serious response.
We file Civil Remedy Notices where supported and litigate in the appropriate South Florida circuit court.
Most cases resolve once the file is properly built. The ones that don't, we try.
We represent clients in every neighborhood, including:
We've litigated against virtually every major Florida property carrier — Citizens, Universal, Heritage, Tower Hill, People's Trust, Florida Peninsula, Homeowners Choice, FedNat, and many of the now-defunct insurers placed into receivership. Each has its own playbook.
Bad faith is more than a low offer. Under Fla. Stat. § 624.155, it generally requires showing the insurer didn't attempt in good faith to settle when it could and should have, given the facts and policy limits. A statutory Civil Remedy Notice (CRN) starts a 60-day cure window before suit.
No. It changed assignment of benefits, prevailing-party attorney fees on first-party property claims, and certain notice timelines — but your right to enforce your policy as a contract is intact. We adjust strategy based on which version of the law applies to your loss date.
First-party property cases generally resolve in 6–18 months, depending on the carrier, the complexity of the loss, and whether bad faith is in play. Cases involving major commercial properties or condo associations often run longer.
Yes. We represent restaurants, retail, office, and multifamily property owners across South Florida on commercial property and business-interruption losses — including post-hurricane BI claims and complex civil-authority coverage issues.
Free, confidential consultation. No fee unless we recover (most personal injury and insurance matters).
Call 8888-FARBER