Generated by All in One SEO Pro v5.0.1.1, this is an llms-full.txt file, used by LLMs to index the site. # Property Insurance Claim Lawyers - JT Law Firm Property Damage Lawyers ## Posts ### [Blog](https://jtlegaloffices.com/blog-5/) **Published:** July 18, 2021 **Author:** JT Law Firm --- ### [Florida pool cage enclosure damage insurance claim](https://jtlegaloffices.com/florida-pool-cage-enclosure-damage-insurance-claim/) **Published:** September 14, 2026 **Author:** websupport **Content:** **Categories:** Hail Damage, Property Damage Lawyer, Wind Damage Claims --- ### [Garage door wind damage insurance claims](https://jtlegaloffices.com/garage-door-wind-damage-insurance-claims/) **Published:** September 14, 2026 **Author:** websupport **Content:** **Categories:** Property Damage, Property Damage Lawyer, Wind Damage Claims --- ### [What to do if your wind-driven damage claim is denied?](https://jtlegaloffices.com/what-to-do-if-your-wind-driven-damage-claim-is-denied/) **Published:** September 14, 2026 **Author:** websupport **Content:** **Categories:** Property Damage, Property Damage Lawyer, Wind Damage Claims --- ### [Why JT Law Firm Prepares Every Property Damage Case Like It's Going to Trial](https://jtlegaloffices.com/why-jt-law-firm-prepares-every-property-damage-case-like-its-going-to-trial/) **Published:** September 2, 2026 **Author:** websupport **Content:** **Categories:** Property Damage, Property Damage Lawyer, Property Damage Trial Attorney --- ### [Hurricane Season 2025 Already Started - Here's What Florida Homeowners Need to Know](https://jtlegaloffices.com/hurricane-season-2025-already-started-heres-what-florida-homeowners-need-to-know/) **Published:** June 12, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims, Property Damage Trial Attorney --- ### [Hurricane and property damage questions we received this week](https://jtlegaloffices.com/hurricane-and-property-damage-questions-we-received-this-week/) **Published:** February 17, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims, Property Damage Lawyer --- ### [YOU COULD LOSE YOUR PROPERTY INSURANCE CLAIM BEFORE YOU EVER EVEN HAVE ONE](https://jtlegaloffices.com/you-could-lose-your-property-insurance-claim-before-you-ever-even-have-one/) **Published:** August 14, 2026 **Author:** websupport **Content:** **Categories:** Property Damage, Property Damage Lawyer --- ### [Water Stains Spell Trouble. A Property damage lawyer can help you get paid for your stain!](https://jtlegaloffices.com/water-stains-spell-trouble-a-property-damage-lawyer-can-help-you-get-paid-for-your-stain/) **Published:** March 14, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims, Roof Damage, Roof Damage Lawyer --- ### [Can I Perform Temporary Repairs In My Home and Get Reimbursed?](https://jtlegaloffices.com/can-i-perform-temporary-repairs-in-my-home-and-get-reimbursed/) **Published:** September 6, 2025 **Author:** JT Law Firm **Content:** **Categories:** Property Damage Lawyer, Property Damage Trial Attorney --- ### [How Does a Hurricane Deductible Work?](https://jtlegaloffices.com/how-does-a-hurricane-deductible-work/) **Published:** August 28, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Damage Lawyer, Property Damage Lawyer --- ### [Why Your Insurance Company Wants to Close Your Claim Quickly](https://jtlegaloffices.com/why-your-insurance-company-wants-to-close-your-claim-quickly/) **Published:** July 21, 2026 **Author:** websupport **Content:** **Categories:** Property Damage, Property Damage Lawyer, Property Damage Trial Attorney --- ### [Five Mistakes Florida Homeowners Make After Storm Damage](https://jtlegaloffices.com/five-mistakes-florida-homeowners-make-after-storm-damage/) **Published:** July 21, 2026 **Author:** websupport **Content:** **Categories:** Hurricane Damage Lawyer, Property Damage Lawyer, Storm Damage Claims --- ### [The Insurance Adjuster Works for the Insurance Company. We Work for You.](https://jtlegaloffices.com/the-insurance-adjuster-works-for-the-insurance-company-we-work-for-you/) **Published:** July 21, 2026 **Author:** websupport **Content:** **Categories:** Property Damage, Property Damage Lawyer --- ### [Pittsburgh Property Damage Lawyer](https://jtlegaloffices.com/pittsburgh-property-damage-lawyer/) **Published:** July 21, 2026 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims, Pittsburgh Property Damage Lawyer, Property Damage Trial Attorney --- ### [You Have Until October 9, 2025 to File a Hurricane Milton Claim](https://jtlegaloffices.com/you-have-until-october-9-2025-to-file-a-hurricane-milton-claim/) **Published:** September 29, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Damage Lawyer, Hurricane Milton Property Damage Claims --- ### [The Real Cost of an Undervalued Hurricane Insurance Claim in Florida](https://jtlegaloffices.com/the-real-cost-of-an-undervalued-hurricane-insurance-claim-in-florida/) **Published:** June 22, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims, Property Damage Lawyer, Property Damage Trial Attorney --- ### [Why Your Hurricane Damage Claim Was Denied (And What You Can Do About It)](https://jtlegaloffices.com/why-your-hurricane-damage-claim-was-denied-and-what-you-can-do-about-it/) **Published:** June 17, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [JT Law Firm Helps Advocate for Homeowners When Their Insurance Company Fails Them](https://jtlegaloffices.com/jt-law-firm-helps-advocate-for-homeowners-when-their-insurance-company-fails-them/) **Published:** February 25, 2026 **Author:** websupport **Content:** **Categories:** Property Damage Lawyer, Property Damage Trial Attorney --- ### [Is It Too Late to File a Claim for Hurricane Milton?](https://jtlegaloffices.com/is-it-too-late-to-file-a-claim-for-hurricane-milton/) **Published:** August 17, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Milton Property Damage Claims, Hurricane property damage claims --- ### [I Spotted a Water Stain on My Ceiling. What Do I Do Now?](https://jtlegaloffices.com/i-spotted-a-water-stain-on-my-ceiling-what-do-i-do-now/) **Published:** March 13, 2026 **Author:** websupport **Content:** **Categories:** Water Damage Lawyer, Water intrusion --- ### [How Does a Hurricane Deductible Work?](https://jtlegaloffices.com/how-does-a-hurricane-deductible-work-2/) **Published:** September 22, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Damage Lawyer --- ### [What to Expect During a Hail Damage Claim in Florida](https://jtlegaloffices.com/what-to-expect-during-a-hail-damage-claim-in-florida/) **Published:** November 4, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hail Damage, Property Damage Lawyer --- ### [Water Damage Claims in Florida](https://jtlegaloffices.com/water-damage-claims-in-florida/) **Published:** November 20, 2025 **Author:** JT Law Firm **Content:** **Categories:** Water Damage Lawyer --- ### [What to Expect During a Roof Replacement Claim in Florida](https://jtlegaloffices.com/what-to-expect-during-a-roof-replacement-claim-in-florida/) **Published:** November 1, 2025 **Author:** JT Law Firm **Content:** **Categories:** Roof Damage, Roof Damage Lawyer --- ### [Commercial Roof Claim Lawyers](https://jtlegaloffices.com/commercial-roof-claim-lawyers/) **Published:** March 25, 2025 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims, Property Damage Trial Attorney, Roof Damage, Roof Damage Lawyer --- ### [Can a Lawyer Help Me With a Shingle Roof Claim?](https://jtlegaloffices.com/can-a-lawyer-help-me-with-a-shingle-roof-claim/) **Published:** December 1, 2025 **Author:** JT Law Firm **Content:** **Categories:** Property Damage Lawyer, Roof Damage Lawyer --- ### [Will My Insurance Pay for My Tile Roof Damage?](https://jtlegaloffices.com/will-my-insurance-pay-for-my-tile-roof-damage/) **Published:** December 23, 2025 **Author:** JT Law Firm **Content:** **Categories:** Property Damage Lawyer, Roof Damage, Roof Damage Lawyer --- ### [How Much Does a Hail Damage Lawyer Cost?](https://jtlegaloffices.com/how-much-does-a-hail-damage-lawyer-cost/) **Published:** December 23, 2025 **Author:** JT Law Firm **Content:** ### Similar Articles ### [Florida pool cage enclosure damage insurance claim](https://jtlegaloffices.com/florida-pool-cage-enclosure-damage-insurance-claim/) [![Florida pool cage enclosure damage insurance claim](https://jtlegaloffices.com/wp-content/uploads/2023/08/Large-hail-and-roof-damage.jpg)](https://jtlegaloffices.com/florida-pool-cage-enclosure-damage-insurance-claim/) ### [What to Expect During a Hail Damage Claim in Florida](https://jtlegaloffices.com/what-to-expect-during-a-hail-damage-claim-in-florida/) [![What to Expect During a Hail Damage Claim in Florida](https://jtlegaloffices.com/wp-content/uploads/2025/11/Hail-Damage-Lawyer.jpg)](https://jtlegaloffices.com/what-to-expect-during-a-hail-damage-claim-in-florida/) ### [What to Do After a Hail Storm in Florida](https://jtlegaloffices.com/what-to-do-after-a-hail-storm-in-florida/) [![What to Do After a Hail Storm in Florida](https://jtlegaloffices.com/wp-content/uploads/2023/08/Large-hail-and-roof-damage.jpg)](https://jtlegaloffices.com/what-to-do-after-a-hail-storm-in-florida/) Hail storms are actually pretty common in Florida, with May being the peak of Florida’s hail season. Florida’s hail season lasts between March and July,… ### [Hail Property Damage Claims in Texas](https://jtlegaloffices.com/hail-property-damage-claims-in-texas/) [![Hail Property Damage Claims in Texas](https://jtlegaloffices.com/wp-content/uploads/2023/05/Hail-Damage-Consultation-with-John-Tolley.jpg)](https://jtlegaloffices.com/hail-property-damage-claims-in-texas/) Everything is bigger in Texas…..including the hail. Grapefruit-sized hail falls near Waco. A hailstone four inches across fell near Waco, Texas. Severe weather has impacted… ### [Hail property damage claims in Orlando](https://jtlegaloffices.com/hail-property-damage-claims-in-orlando/) [![Hail property damage claims in Orlando](https://jtlegaloffices.com/wp-content/uploads/2023/04/Hail-Damage.jpg)](https://jtlegaloffices.com/hail-property-damage-claims-in-orlando/) Severe thunderstorms are expected to strike Orlando and nearby cities … **Categories:** Hail Damage, Roof Damage, Roof Damage Lawyer --- ### [Orlando Hail Damage Lawyer](https://jtlegaloffices.com/orlando-hail-damage-lawyer/) **Published:** January 16, 2026 **Author:** JT Law Firm **Content:** ### Similar Articles ### [Florida pool cage enclosure damage insurance claim](https://jtlegaloffices.com/florida-pool-cage-enclosure-damage-insurance-claim/) [![Florida pool cage enclosure damage insurance claim](https://jtlegaloffices.com/wp-content/uploads/2023/08/Large-hail-and-roof-damage.jpg)](https://jtlegaloffices.com/florida-pool-cage-enclosure-damage-insurance-claim/) A Florida storm can turn a pool cage from a … ### [How Much Does a Hail Damage Lawyer Cost?](https://jtlegaloffices.com/how-much-does-a-hail-damage-lawyer-cost/) [![How Much Does a Hail Damage Lawyer Cost?](https://jtlegaloffices.com/wp-content/uploads/2025/12/How-Much-Does-a-Hail-Damage-Lawyer-Cost-1.jpg)](https://jtlegaloffices.com/how-much-does-a-hail-damage-lawyer-cost/) Similar Articles ### [What to Expect During a Hail Damage Claim in Florida](https://jtlegaloffices.com/what-to-expect-during-a-hail-damage-claim-in-florida/) [![What to Expect During a Hail Damage Claim in Florida](https://jtlegaloffices.com/wp-content/uploads/2025/11/Hail-Damage-Lawyer.jpg)](https://jtlegaloffices.com/what-to-expect-during-a-hail-damage-claim-in-florida/) Florida homeowners know that hailstorms can strike with little warning, … ### [What to Do After a Hail Storm in Florida](https://jtlegaloffices.com/what-to-do-after-a-hail-storm-in-florida/) [![What to Do After a Hail Storm in Florida](https://jtlegaloffices.com/wp-content/uploads/2023/08/Large-hail-and-roof-damage.jpg)](https://jtlegaloffices.com/what-to-do-after-a-hail-storm-in-florida/) Hail storms are actually pretty common in Florida, with May being the peak of Florida’s hail season. Florida’s hail season lasts between March and July,… ### [Hail Property Damage Claims in Texas](https://jtlegaloffices.com/hail-property-damage-claims-in-texas/) [![Hail Property Damage Claims in Texas](https://jtlegaloffices.com/wp-content/uploads/2023/05/Hail-Damage-Consultation-with-John-Tolley.jpg)](https://jtlegaloffices.com/hail-property-damage-claims-in-texas/) Everything is bigger in Texas…..including the hail. Grapefruit-sized hail falls near Waco. A hailstone four inches across fell near Waco, Texas. Severe weather has impacted… ### [Hail property damage claims in Orlando](https://jtlegaloffices.com/hail-property-damage-claims-in-orlando/) [![Hail property damage claims in Orlando](https://jtlegaloffices.com/wp-content/uploads/2023/04/Hail-Damage.jpg)](https://jtlegaloffices.com/hail-property-damage-claims-in-orlando/) Severe thunderstorms are expected to strike Orlando and nearby cities … **Categories:** Hail Damage, Property Damage Lawyer --- ### [Orlando Tornado Damage Lawyer](https://jtlegaloffices.com/orlando-tornado-damage-lawyer/) **Published:** January 16, 2026 **Author:** JT Law Firm **Content:** ### Similar Articles ### [Tornado Damage Claims in Florida](https://jtlegaloffices.com/tornado-damage-claims-in-florida/) [![Tornado Damage Claims in Florida](https://jtlegaloffices.com/wp-content/uploads/2025/03/Tornado-Damage-Claims-in-Florida-.jpg)](https://jtlegaloffices.com/tornado-damage-claims-in-florida/) Tornadoes are not limited to the Midwest; they can and do strike Florida, especially during powerful thunderstorms and hurricanes. When a tornado strikes, the damage… ### [Questions About Your Tornado Damage Claim?](https://jtlegaloffices.com/questions-about-your-tornado-damage-claim/) [![Questions About Your Tornado Damage Claim?](https://jtlegaloffices.com/wp-content/uploads/2024/02/Tornado-faqs.jpg)](https://jtlegaloffices.com/questions-about-your-tornado-damage-claim/) Here are commonly asked questions we get about tornado damage claims. If you would like a free claim review, you can message us right from our… ### [Tornado damage claims expected to rise in Florida’s Bay Area ](https://jtlegaloffices.com/tornado-damage-claims-expected-to-rise-in-floridas-bay-area/) [![Tornado damage claims expected to rise in Florida’s Bay Area ](https://jtlegaloffices.com/wp-content/uploads/2023/10/Tornado-damage-claims.jpg)](https://jtlegaloffices.com/tornado-damage-claims-expected-to-rise-in-floridas-bay-area/) Tornadoes moving across the Tampa Bay area overnight on October 12 caused extensive damage across multiple counties, as reported by Bay News 9. The Southeast has… **Categories:** Tornado damage claims --- ### [Get Ahead of a Hurricane with These 2 Tips](https://jtlegaloffices.com/get-ahead-of-a-hurricane-with-these-2-tips/) **Published:** September 22, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Damage Lawyer --- ### [Hurricane Season 2025 Has Officially Begun—And It’s Off to a Stormy Start](https://jtlegaloffices.com/hurricane-season-2025-has-officially-begun-and-its-off-to-a-stormy-start/) **Published:** June 2, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims, Property Damage Lawyer --- ### [The Unfair Advantage of Insurance Companies](https://jtlegaloffices.com/the-unfair-advantage-of-insurance-companies/) **Published:** April 26, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims, Property Damage Lawyer --- ### [Florida Braces for Hurricane Season 2025, and it's predicted to be an above-average year](https://jtlegaloffices.com/florida-braces-for-hurricane-season-2025-and-its-predicted-to-be-an-above-average-year/) **Published:** April 24, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims, Property Damage Lawyer --- ### [Recent Property Damage FAQs](https://jtlegaloffices.com/recent-property-damage-faqs/) **Published:** April 4, 2025 **Author:** JT Law Firm **Content:** **Categories:** Property Damage Lawyer --- ### [Tornado Damage Claims in Florida](https://jtlegaloffices.com/tornado-damage-claims-in-florida/) **Published:** March 25, 2025 **Author:** JT Law Firm **Content:** **Categories:** Property Damage, Property Damage Lawyer, Storm Damage Claims, Tornado damage claims --- ### [JT Law Firm Levels the Playing Field](https://jtlegaloffices.com/jt-law-firm-levels-the-playing-field/) **Published:** March 4, 2025 **Author:** JT Law Firm **Content:** **Categories:** Property Damage Lawyer --- ### [Don't get ducked out of a payout for your insurance claim!](https://jtlegaloffices.com/dont-get-ducked-out-of-a-payout-for-your-insurance-claim/) **Published:** February 26, 2025 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims, Hurricane property damage claims --- ### [When to Seek Legal Help for Your Hurricane Milton Denial or Underpayment Offer.](https://jtlegaloffices.com/when-to-seek-legal-help-for-your-hurricane-milton-denial-or-underpayment-offer/) **Published:** February 7, 2025 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims, Hurricane Milton Property Damage Claims --- ### [What is going on with Commercial Property Milton claims?](https://jtlegaloffices.com/what-is-going-on-with-commercial-property-milton-claims/) **Published:** January 31, 2025 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims, Hurricane Milton --- ### [Denied Hurricane Milton Claim? We can help.](https://jtlegaloffices.com/denied-hurricane-milton-claim-we-can-help/) **Published:** January 25, 2025 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Milton Property Damage Claims, Hurricane property damage claims --- ### [Texas Property Damage Attorney](https://jtlegaloffices.com/texas-property-damage-attorney/) **Published:** December 26, 2024 **Author:** JT Law Firm **Content:** **Categories:** Property Damage Lawyer --- ### [New Jersey Property Damage Lawyer](https://jtlegaloffices.com/new-jersey-property-damage-lawyer/) **Published:** December 11, 2024 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims, Property Damage Lawyer --- ### [New York Property Damage Attorney](https://jtlegaloffices.com/new-york-property-damage-attorney/) **Published:** December 5, 2024 **Author:** JT Law Firm **Content:** **Categories:** Property Damage Lawyer --- ### [Do you know what to do after a hurricane damages your property?](https://jtlegaloffices.com/do-you-know-what-to-do-after-a-hurricane-damages-your-property/) **Published:** November 27, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [A Proven track record of holding insurance companies accountable for commercial property damage claims.](https://jtlegaloffices.com/a-proven-track-record-of-holding-insurance-companies-accountable-for-commercial-property-damage-claims/) **Published:** November 22, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Milton, Hurricane property damage claims --- ### [Almost 25% of residential and commercial property insurance claims have been closed without payment since Hurricane Milton made landfall just one month ago.](https://jtlegaloffices.com/almost-25-of-residential-and-commercial-property-insurance-claims-have-been-closed-without-payment-since-hurricane-milton-made-landfall-just-one-month-ago/) **Published:** November 11, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Milton, Hurricane Milton Property Damage Claims, Hurricane property damage claims --- ### [Florida Property Damage Lawyers](https://jtlegaloffices.com/florida-property-damage-lawyers/) **Published:** October 21, 2024 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims, Property Damage, Property Damage Lawyer --- ### [How Long Do I Have to File a Hurricane Milton Property Damage Claim?](https://jtlegaloffices.com/how-long-do-i-have-to-file-a-hurricane-milton-property-damage-claim/) **Published:** October 10, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Milton, Hurricane Milton Property Damage Claims --- ### [Hurricane Milton has officially made landfall as a category 3 storm in Siesta Key.](https://jtlegaloffices.com/hurricane-milton-has-officially-made-landfall-as-a-category-3-storm-in-siesta-key/) **Published:** October 10, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Milton --- ### [Hurricane Milton is now a dangerous category 5 storm.](https://jtlegaloffices.com/hurricane-milton-is-now-a-dangerous-category-5-storm/) **Published:** October 7, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Milton, Hurricane Milton Property Damage Claims --- ### [Hurricane Milton rapidly intensified and is now a category 4 storm.](https://jtlegaloffices.com/hurricane-milton-rapidly-intensified-and-is-now-a-category-4-storm/) **Published:** October 7, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Milton, Hurricane Milton Property Damage Claims --- ### [How long do I have to file a Hurricane Helene Property Damage Claim?](https://jtlegaloffices.com/how-long-do-i-have-to-file-a-hurricane-helene-property-damage-claim/) **Published:** September 27, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Helene, Hurricane Helene Property Damage Claims, Hurricane property damage claims --- ### [Hurricane Helene is a large storm with a massive wind field. Even if you are not located in Florida's panhandle, you still need to take this storm seriously.](https://jtlegaloffices.com/hurricane-helene-is-a-large-storm-with-a-massive-wind-field-even-if-you-are-not-located-in-floridas-panhandle-you-still-need-to-take-this-storm-seriously/) **Published:** September 27, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Helene, Hurricane property damage claims --- ### [Tropical Storm Helene is expected to become a major hurricane before it makes landfall in Florida's West Coast or Panhandle.](https://jtlegaloffices.com/tropical-storm-helene-is-expected-to-become-a-major-hurricane-before-it-makes-landfall-in-floridas-west-coast-or-panhandle/) **Published:** September 24, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Helene, Hurricane property damage claims --- ### [September 28, 2024 is the Last Day to File a Hurricane Ian Property Damage Claim](https://jtlegaloffices.com/september-28-2024-is-the-last-day-to-file-a-hurricane-ian-property-damage-claim/) **Published:** September 23, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Hurricane property damage claims --- ### [Do I have to protect my home from further damage?](https://jtlegaloffices.com/do-i-have-to-protect-my-home-from-further-damage/) **Published:** September 21, 2024 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims, Hurricane property damage claims --- ### [How long do I have to file an insurance claim in Florida for hurricane damage?](https://jtlegaloffices.com/how-long-do-i-have-to-file-an-insurance-claim-in-florida-for-hurricane-damage/) **Published:** September 19, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [JT Law Firm Secures $4.5 million dollar Major Victory for a Building Community's Hurricane Ian Claim](https://jtlegaloffices.com/jt-law-firm-secures-4-5-million-dollar-major-victory-for-a-48-building-communitys-hurricane-ian-claim/) **Published:** August 17, 2024 **Author:** JT Law Firm **Content:** **Categories:** Commercial Property Damage Claims --- ### [Hurricane Debby Made Landfall in Florida](https://jtlegaloffices.com/hurricane-debby-made-landfall-in-florida/) **Published:** August 5, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Debby, Hurricane property damage claims --- ### [This easy tip can help protect you from a claim denial.](https://jtlegaloffices.com/this-easy-tip-can-help-protect-you-from-a-claim-denial/) **Published:** July 8, 2024 **Author:** JT Law Firm **Content:** **Categories:** Property Damage, Storm Damage Claims --- ### [What Should I Do After a Car Accident? Advice from a Car Accident Attorney.](https://jtlegaloffices.com/what-should-i-do-after-a-car-accident-advice-from-a-car-accident-attorney/) **Published:** July 5, 2024 **Author:** JT Law Firm **Content:** **Categories:** Car accident, Law firm, Personal Injury --- ### [Side Impact Car Accident Attorney](https://jtlegaloffices.com/side-impact-car-accident-attorney/) **Published:** July 8, 2024 **Author:** JT Law Firm **Content:** **Categories:** Car accident, Law firm, Personal Injury --- ### [Hurricane Season 2024 is NOAA's most aggressive forecast to date.](https://jtlegaloffices.com/hurricane-season-2024-is-noaas-most-aggressive-forecast-to-date/) **Published:** June 25, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [Catastrophic flooding damage likely as days of heavy rainfall prompt State of Emergency declaration in Florida.](https://jtlegaloffices.com/catastrophic-flooding-damage-likely-as-days-of-heavy-rainfall-prompt-state-of-emergency-declaration-in-florida/) **Published:** June 14, 2024 **Author:** JT Law Firm **Content:** **Categories:** Flood damage, Flood Damage Claim --- ### [How to Maximize Your Hurricane Ian Claim](https://jtlegaloffices.com/how-to-maximize-your-hurricane-ian-claim/) **Published:** June 7, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Hurricane property damage claims --- ### [Hurricane property damage claim questions we received this week](https://jtlegaloffices.com/hurricane-property-damage-claim-questions-we-received-this-week/) **Published:** May 24, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [Does Texas have a tornado season? ](https://jtlegaloffices.com/does-texas-have-a-tornado-season/) **Published:** May 22, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [Is it Too Late to File a Hurricane Ian Claim?](https://jtlegaloffices.com/is-it-too-late-to-file-a-hurricane-ian-claim/) **Published:** July 26, 2023 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Hurricane property damage claims --- ### [Can I still file a Hurricane Nicole property damage claim?](https://jtlegaloffices.com/can-i-still-file-a-hurricane-nicole-property-damage-claim/) **Published:** May 8, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Nicole, Hurricane property damage claims --- ### [Did you receive a Hurricane claim denial or underpayment offer?](https://jtlegaloffices.com/did-you-receive-a-hurricane-claim-denial-or-underpayment-offer/) **Published:** May 8, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [Property Damage Questions Our Legal Team Answered This Week](https://jtlegaloffices.com/property-damage-questions-our-legal-team-answered-this-week/) **Published:** April 26, 2024 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [Questions About Your Tornado Damage Claim?](https://jtlegaloffices.com/questions-about-your-tornado-damage-claim/) **Published:** February 25, 2024 **Author:** JT Law Firm **Content:** ## Here are commonly asked questions we get about tornado damage claims. If you would like a free claim review, you can [message us right from our website](https://jtlegaloffices.com/contact/) or **call us at** [**855-585-2997**](tel:8555852997)**.** ## **Will my policy cover all my tornado-related damages?** Coverage varies by policy. Many homeowners’ policies cover damage to the structure of your home and personal property – to an extent. It’s essential to review your policy or consult with JT Law Firm to understand your coverage. --- ## **Is the process of filing insurance claims for tornado damage complex?** The process of filing an insurance claim for tornado-related damage can present challenges. Insurance companies may not always be as cooperative or supportive as one might hope, making it essential for homeowners to act promptly and efficiently. Timely submission and management of a claim is important for securing a high payout. --- ## **What type of damage is commonly seen after a tornado?** Typical damage following a tornado includes: - Structural Damage - Wind Damage - Water Intrusion/Damage - Loss of Personal Property - Damage from flying debris. - Damage to outdoor structures and landscaping --- ## **What steps should be taken if a tornado damages your home?** After ensuring you and everyone in your home are safe, contacting a property damage attorney as soon as possible can help create a strong foundation for your damage claim. Our objective is to assist you in thoroughly identifying, documenting, and addressing the full extent of property damage in the aftermath of a tornado, ensuring a detailed and accurate assessment of the impact. --- ## ## **Can a law firm assist me in filing my tornado damage claim?** A law firm specializing in property damage can offer assistance at any point in the claim process, even before the claim is filed. Working with a law firm early on is advised to help ensure your claim is built on a solid foundation. This proactive approach allows for effective legal guidance on how to proceed, keeping your interests in focus right from the start. --- ## **How long does the claims process take?** The time frame can vary significantly, depending on the extent of the damage and your insurance company. However, working with a property damage law firm can help keep the process moving forward. ## If you’ve been affected by a tornado, don’t navigate the claims process alone. Contact JT Law Firm today for a free consultation. **Our team is ready to fight for you.** [Message us using our website](https://jtlegaloffices.com/contact/) or **call us at** [**855-585-2997**](tel:8555852997)**.** **Categories:** Property Damage, Tornado damage claims --- ### [JT Law Firm is helping homeowners get their day in court with another huge decision](https://jtlegaloffices.com/jt-law-firm-is-helping-homeowners-get-their-day-in-court-with-another-huge-decision/) **Published:** February 7, 2024 **Author:** JT Law Firm **Content:** Another prominent Florida insurance company tried to prevent our client from going to court based on a technicality in a poorly written statute. JT Law Firm fights for the rights of all homeowners and has recently obtained a huge victory for all Florida homeowners to be able to seek justice when the insurance company weaponizes Florida Statute 627.70152. If you are wronged by your insurance company, then you should be able to fight for justice in a courtroom instead of getting blocked by technicalities that the insurance companies abuse. ## What is Florida Statute 627.70152? First, lets get a basic understanding of what statute 627.70152 is all about. This statute is the controlling law when it comes to any lawsuits arising under a property insurance policy in the state of Florida (except for assignments). This statute sets out the terms and steps that need to be taken by both the insured and the insurer before a lawsuit can be filed. The new enactments now require an insured or policyholder to notify their insurance company of their intentions to bring a lawsuit. The statute specifies the requirements that must be met when notice is given and sets a limit on the amount of time the insurance company has to respond. The statute also provides the specific ways an insurance company is allowed to respond under the law. Specifically, under Florida Statute 627.70152, an insured is required to give the insurance company a Notice of Intent to Litigate (the “Notice”) ten (10) days prior to filing a lawsuit. Prior to filing a Notice, an insurance company is obligated to make a coverage decision, or fail to make a coverage decision with no factors beyond its control that prevented a coverage decision from being made. [\[1\]](applewebdata://5A46E3F4-331A-47C0-8BBD-B28F5A369AFD#_ftn1)[\[2\]](applewebdata://5A46E3F4-331A-47C0-8BBD-B28F5A369AFD#_ftn2) [\[1\]](applewebdata://5A46E3F4-331A-47C0-8BBD-B28F5A369AFD#_ftnref1) Under Florida Statute 627.70131, an insurance company had 90 days to make a coverage decision on a claim. If they fail to arrive at a decision in this timeframe, they need to prove this was due to factors beyond their control. [\[2\]](applewebdata://5A46E3F4-331A-47C0-8BBD-B28F5A369AFD#_ftnref2) As of 2023, Florida Statute 627.70131 has been amended to require that an insurance company make a coverage decision on a claim within 60 days. ![JT Law Firm is helping homeowners get their day in court with another huge decision](https://jtlegaloffices.com/wp-content/uploads/2024/02/JT-Law-Firm-is-helping-homeowners-get-their-day-in-court-with-another-huge-decision.jpg "JT Law Firm is helping homeowners get their day in court with another huge decision")## Quick summary….. What happened? The insurance company attempted to use statute 627.70152 against the insured by failing to provide evidence and delaying the claim while the damaged property kept rotting away. The insurance company wanted to use the statute to prevent the homeowner from proceeding with their claim even though there was undisputed damage caused by Hurricane Ian to the homeowner’s property. Specifically, on July 1, 2021, the legislature amended Florida Statute 627.70152 by requiring an insured to submit a Notice of Intent to Litigate (the “Notice”). As explained above, this Notice provides the insurance company with the insured’s intention of bringing a lawsuit. Once the Notice is properly filed, the insurance company is allowed ten (10) business days to respond. The caveat is that the statute also provides that an insured cannot submit its Notice “before the insurer has made a determination of coverage under s. 627.70131.” Even more vague, 627.70131 required (prior to the recent amendment on December 16, 2022) your carrier to make a coverage decision within ninety (90) days “unless the failure to pay is caused by factors beyond the control of the insurer which reasonably prevent such payment.” For example, our client reported his Hurricane Ian claim to his insurance company on October 3, 2022. Based on the statute, the insurance company had until January 1, 2023, to either pay or deny the claim. Instead of complying with the reasonable amount of time allowed under the statute, the insurance company sent a letter to JT Law Firm P.A. simply stating it was “waiting on an engineer report” for an inspection of the property that had taken place on December 7, 2022. On January 1, 2023, the insurance company failed to provide a decision on the claim. JT Law Firm P.A. gave the insurance company an additional two weeks to make a decision, but none was provided. As a result, on January 17, 2023, JT Law Firm P.A. filed and served its Notice as required under the statute. In response to the Notice, the insurance company was allowed to provide one the following: 1) an acceptance of the coverage, 2) a denial of the coverage, or 3) request the right to re-inspect the damaged property. Here, the client’s insurance company failed to respond in a way that was allowed under the statute. Instead, the insurance company sent JT Law Firm P.A. a response alleging that that the Notice was premature because the insurance company “had not made a coverage decision”. In its response, the insurance company completely ignored its obligations to pay or deny the claim within 90 days while also failing to acknowledge that it was in possession of the engineering report as of January 5, 2023, that was crucial to the claim. On January 24, 2023, JT Law Firm P.A. filed a Complaint against the insurance company. The case was litigated for over a year until the insurance company moved for summary judgment based on 1) the insured’s Notice being issued prior to a coverage decision being made, and 2) the filing of the lawsuit before 10 business days were allowed to expire as prescribed under statute 627.70152. Attorney Joshua Brownlee of JT Law Firm P.A. made the pioneering argument that the carrier had no justifiable cause that prevented payment and the notice provisions enumerated within 627.70152 cannot be weaponized to prevent an insured from seeking resolution of its dispute through a jury of his peers. In other words, Mr. Brownlee made the argument that an insurance company has no right to utilize the statutes in a way that not only delays a valid claim, but prevents an insured from seeking access to the courts in order to resolve an insurance dispute in a timely manner. **The Court agreed.** ## On August 1, 2023, the carrier moved for summary judgment on a presuit notice of intent to litigate issue which at best would dismiss plaintiff’s suit without prejudice and require the insured to start all over again. The court addressed these issues at length by analyzing whether the Plaintiff prematurely filed the lawsuit because the notice was issued prior to a coverage decision being made and whether an insured is mandated to wait 10 business days after a notice was issued and a response received thereby satisfying the requirements of 627.70152. The court held that under Statute 627.70131, the Defendant is required to make a coverage decision within 90 days unless factors beyond their control prevent them from doing so. It is undisputed that the insurance company failed to arrive at a decision to pay or deny the claim within the 90-day window. The reason the insurance company failed to arrive at a coverage decision was due to the pending engineer report, which the Court noted was in the insurance company’s possession at least two (2) weeks prior to the filing of the Notice. The Court acknowledged that the insurance company failed to arrive at a coverage decision without justification, stating in its Order, “Plaintiff correctly cites the applicable precedent which holds insurers to a strict compliance with statutory deadlines to pay insurance claims and not use its investigative rights to extend the deadline.” The Court further Ordered, “”Lastly, Florida precedent has established an insurer who refuses to perform under the Policy or statutory deadlines acts as a denial of coverage and breach of contract permitting an insured free to file suit or in this case, issue a notice of intent to litigate…. Accordingly, in construing § 627.70152 liberally in favor of providing access to the court, the Defendant cannot use the statute as a preemptive sword by failing to make a coverage decision without cause and thereby prevent the Plaintiff from issuing its notice of intent or access to the court. Moreover, in construing the statute liberally in favor of providing access to the court, the court sees no reason after both parties have performed under the statute (i.e. a notice and response) for a Plaintiff to have to wait to file suit while nothing further under the pre-suit obligations can be accomplished. A literal interpretation of the language of a statute need not be given when to do so would lead to an unreasonable or ridiculous conclusion.” > ## “It’s quite common now, carriers have weaponized 627.70152 in an effort to delay and prevent an insured from seeking recourse of access to the courts…..The statute is silent on what happens if a carrier refuses to make a coverage decision despite having all the information it needs. At least one judge had the common sense to refuse to allow such tactics,” said Attorney Joshua Brownlee. This court decision affirmed that if an insurance company does not make a coverage decision within the statutory period, and there are no factors beyond its control, then the claim is deemed denied as a matter of law. Once the claim is denied, even if not an official denial by the carrier, an insured is permitted to issue its Notice. What’s more, this decision set a precedent that an insured may file suit *within* the ten business days allowed by the statute if the insurance company stands by their denial. Thus, it prevents the insurance company from restricting the insured’s constitutional right to access the courts. As stated above, the insurance company failed to respond to JT Law Firm P.A.’s Notice in a way that was allowed under the statute. Instead, the insurance company sent JT Law Firm P.A. a response alleging that that the Notice was premature because the insurance company “had not made a coverage decision”. JT Law Firm P.A. received this response on January 18, 2023, just one (1) day after filing it’s Notice. The insurance company also asserted it was standing by their position. Instead of waiting for the clients property to remain damaged, JT Law Firm P.A. filed suit before the expiration of the statutory ten business days. JT Law Firm P.A.’s position was simple: an insurance company does not have the right to interpret the statute in a way that would require an insured’s claim to be unduly delayed because nothing further can be accomplished under the statute itself. Mr. Brownlee’s relentless pursuit created a foundation for every Florida homeowner to rightfully benefit under the law and not allow for an insurance company to weaponize or delay a claim unnecessarily. **Categories:** Hurricane Ian, Hurricane property damage claims, Storm Damage Claims --- ### [Is it too late to file a Hurricane Ian claim?](https://jtlegaloffices.com/is-it-too-late-to-file-a-hurricane-ian-claim-2/) **Published:** January 27, 2024 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Hurricane property damage claims, Storm Damage Claims --- ### [Hurricane Idalia is expected to slam into Florida as a major storm. ](https://jtlegaloffices.com/hurricane-idalia-is-expected-to-slam-into-florida-as-a-major-storm/) **Published:** August 29, 2023 **Author:** JT Law Firm **Content:** ![Prepping for a hurricane](https://jtlegaloffices.com/wp-content/uploads/2023/08/Prepping-for-a-hurricane.jpg "Prepping for a hurricane")## **This is not a hurricane you want to be unprepared for. Take time now to ensure you are properly prepared for Hurricane Idalia.** As of the morning of August 29, 2023, there are 21 Florida counties with an evacuation order ahead of Hurricane Idalia’s arrival. ### There seems to be nothing in Idalia’s path to weaken it. The waters in the Gulf of Mexico are warm, there’s no wind shear, and the only piece of land between the storm and Florida – is Florida. Current storm predictions point to Idalia slamming into Florida as a powerful Category 3 Hurricane. Idalia is expected to continue gaining strength until it touches over Florida. [ ![jtlegaloffices.comhurricane-idalia-is-expected-to-slam-into-florida-as-a-major-storm video](https://jtlegaloffices.com/wp-content/uploads/2023/08/jtlegaloffices.comhurricane-idalia-is-expected-to-slam-into-florida-as-a-major-storm-video-812x1024-526x664.jpg "jtlegaloffices.comhurricane-idalia-is-expected-to-slam-into-florida-as-a-major-storm video") ](https://www.instagram.com/reel/CwlNT_wpsWl)## **Hurricane Idalia is expected to bring Life-threatening storm surge to parts of Florida.** Some areas are expected to have up to 12 or more feet of storm surge. Storm surge was one of the biggest threats associated with Hurricane Ian when it slammed into Florida in 2022. Hurricane Ian’s storm surge washed away homes, flooded countless properties, and was responsible for multiple deaths. If you have an evacuation order, please consider taking it seriously. ## **Immense property damage and life-threatening conditions are likely with a major hurricane.** Powerful winds, tornadic activity, heavy rainfall, lightning, and high storm surge are all possible with Hurricane Idalia. These all pose a major risk to human life, and they can all cause immense damage. **The National Hurricane Center classifies hurricanes between category 3-5 as a major storm.** [This is a direct description of a Category 3 Hurricane taken from the National Hurricane Center’s website. ](https://www.nhc.noaa.gov/aboutsshws.php) > “Devastating damage will occur: Well-built framed homes may incur major damage or removal of roof decking and gable ends. Many trees will be snapped or uprooted, blocking numerous roads. Electricity and water will be unavailable for several days to weeks after the storm passes.” ### Hurricane Idalia is expected to bring the following conditions to parts of Florida: - Sustained winds between 111-129 mph (if it makes landfall as a category 3) - Winds gusts in excess of 129 mph - 12+ inches of rainfall - 8-12 feet of storm surge - Freshwater flooding is possible from heavy rainfall - Tornadic activity is possible with any hurricane ## **Property damage is expected to be in the billions.** If you are a property owner, the time to begin preparing for your damage claim is right now. Take pictures or videos of your roof and home as soon as possible, but definitely before the storm. This will serve as evidence to show how the storm affected your property in the event your home is damaged from Hurricane Idalia. **Please stay safe and listen to local authorities.** **Categories:** Hurricane Idalia, Hurricane property damage claims, Idalia --- ### [What to Do After a Hail Storm in Florida](https://jtlegaloffices.com/what-to-do-after-a-hail-storm-in-florida/) **Published:** August 15, 2023 **Author:** JT Law Firm **Content:** ![Roof Damage after hail storm](https://jtlegaloffices.com/wp-content/uploads/2023/08/Roof-Damage-after-hail-storm.jpg "Roof Damage after hail storm")Hail storms are actually pretty common in Florida, [with May being the peak of Florida’s hail season](https://www.clickorlando.com/weather/2023/04/27/ice-falls-in-florida-heres-how-hail-forms/#:~:text=to%20the%20ground.-,The%20more%20intense%20the%20thunderstorm%20updraft%2C%20the%20larger%20the%20hail,May%202007%20in%20Marion%20County.). Florida’s hail season lasts between March and July, and sightings of hail as large as baseballs have been spotted in the state! ### **After a hail storm, the first thing you want to do is check your roof and home for any damage. Getting your home professionally inspected increases your chances of catching damage early on before it can get worse or spread. An inspection can also help you file a claim on time and help you secure a higher payout from your insurance company.** [ ![jtlegaloffices.comwhat-to-do-after-a-hail-storm-in-florida-video](https://jtlegaloffices.com/wp-content/uploads/2023/08/jtlegaloffices.comwhat-to-do-after-a-hail-storm-in-florida-video-812x1024-526x664.jpg "jtlegaloffices.comwhat-to-do-after-a-hail-storm-in-florida-video") ](https://www.tiktok.com/@letslitigate/video/7281680996771220782)## Hail damage is not always easy to spot, and you may notice it months or even a year or so later. Tile roofs are extremely common in Florida, and they are prized for their durability and for their resistance to strong winds. However, hail commonly damages tiles roofs, which can lead to roof damage and water intrusion. Tile roof claims are not easy, and insurance companies are often caught aggressively fighting against homeowners when they have a tile roof claim because tile roofs can be expensive to repair and replace. ## Does homeowners insurance cover hail damage in Florida? Homeowners’ insurance policies do cover [hail damage](https://jtlegaloffices.com/property-insurance-claims/) when it’s specified in the policy. However, in Florida, hail damage does not legally have to be specified in your policy, but many mortgage companies do require it. Meaning if you have a mortgage and your property sustained hail damage, then there’s a strong chance your policy provides some sort of coverage for it. Understanding your policy can provide clarity to understanding whether or not you are entitled to any compensation. ### Some policies may cover the full cost of repairs, while others might only cover a portion or nothing at all. A property damage attorney with experience handling hail damage claims can help. ## Does Florida require wind and hail insurance? Florida doesn’t specifically mandate homeowners to have wind and hail insurance. However, mortgage lenders often require this coverage as part of their loan agreements. Even if it’s not a requirement, considering Florida’s history with hail storms, it’s wise for homeowners to have hail damage coverage for peace of mind. ## Your ceiling may have a leak caused by hail damage. While [hail storms](https://jtlegaloffices.com/hail-property-damage-claims-in-orlando/) do commonly cause roof damage leading to leaks, they’re not the only potential cause. ### If you suspect you have [tile roof damage](https://jtlegaloffices.com/tile-roof-damage-claim-lawyers/) or any other form of roof damage that’s causing a roof leak in your property, speak with a property damage attorney today to discover whether you have a claim or not. ![Hail damage consultation](https://jtlegaloffices.com/wp-content/uploads/2023/08/Hail-damage-consultation.jpg "Hail damage consultation")## How do I get the most out of my hail property damage claim? To ensure you get the most out of your [property damage claim](https://jtlegaloffices.com/property-insurance-claims/), follow these steps: - **Speak with an attorney:** Before you speak with your insurance company, speak with a property damage attorney. Insurance companies love speaking with homeowners because the average homeowner has little to no experience navigating the claims process properly. - **Document everything**: As soon as it’s safe, take photos and videos of all the damaged areas. This includes your roof, siding material, fences, and outdoor spaces, among others. - **Get your own professional estimate and inspection**: We can help with this step. Don’t rely solely on the insurance company’s adjuster’s assessment. Seek estimates from professionals to receive the actual cost of repairs. - **Maintain detailed records**: Keep a log of all communications with your insurance company. This can be invaluable if the case goes to trial. - **Seek legal advice at any step of the claim process**: If your claim is not being handled properly or your insurance company is unjustly denying or underpaying you, consider consulting with a legal professional who has the experience needed to deliver the results you need. ## JT Law Firm has a hail damage claims team with experience closing claims and getting clients paid. **Schedule your complimentary discovery call. Call us at** [**855-585-2997**](tel:8555852997)**.** **Categories:** Hail Damage, Property Damage --- ### [Hurricane Ian Claims Expected to Rise as We Enter Rainy Season.](https://jtlegaloffices.com/hurricane-ian-claims-expected-to-rise-as-we-enter-rainy-season/) **Published:** May 31, 2023 **Author:** JT Law Firm **Content:** ![](https://jtlegaloffices.com/wp-content/uploads/2023/05/Hurricane-Ian-Claim-Review-with-John-Tolley-from-JT-Law-Firm.jpg)Nearly half a million Hurricane Ian damage claims were filed in Southwest Florida alone! 179,998 Ian claims have been closed without payment, and over 100,000 claims are still open. ## Hurricane Ian victims are living with the consequences their insurance companies thrusted on them with underpayments and claim denials. **Ian is Florida’s costliest hurricane to date, with over $112 billion in damages so far. More claims are expected to be filed as we move toward Florida’s rainy season. Watch for water spots and signs of water damage on your ceiling or walls. Roof damage can sometimes be difficult to locate without the use of specialized equipment. Homeowners usually miss out on identifying roof damage when it’s not easily visible. Wind uplift damage, for example, can be very difficult to notice. [ ![jtlegaloffices.comhurricane-ian-claims-expected-to-rise-as-we-enter-rainy-season video](https://jtlegaloffices.com/wp-content/uploads/2023/05/jtlegaloffices.comhurricane-ian-claims-expected-to-rise-as-we-enter-rainy-season-video-812x1024-526x664.jpg "jtlegaloffices.comhurricane-ian-claims-expected-to-rise-as-we-enter-rainy-season video") ](https://www.tiktok.com/@letslitigate/video/7284974036344425771)![](https://jtlegaloffices.com/wp-content/uploads/2023/05/Ceiling-water-spot-from-roof-damage-1.jpg)## **Noticing spots like this on your ceiling usually points to some form of roof damage that needs immediate attention. [Does your ceiling show signs of water damage? What can you do? Click here to find out.](https://jtlegaloffices.com/does-your-ceiling-show-signs-of-water-damage-what-can-you-do/) Florida’s rainy season lasts from May to October but does vary depending on the region. During this time, showers can be an almost daily occurrence in some places, and an average of 7.8 inches of rainfall is expected during these months. If your roof has “hidden” damage, it will likely show itself during this time of year. ## Hurricane Ian struck Florida as a powerful Category 4 storm with winds of 150 mph. Winds of 150 mph does not include powerful gusts and tornadoes. Based on victim accounts, Ian spawned several tornadoes across the state, with a large portion in the Fort Myers area. ![](https://jtlegaloffices.com/wp-content/uploads/2023/05/Major-Roof-Damage-from-Hurricane-Ian-and-apparant-Tornado.jpg)Damage like this usually points to tornadic activity. In the Fort Myers area, there are entire neighborhoods that show signs of a tornado passing through. Some residential blocks were heavily affected by tornadoes, and finding a single home that was not damaged was difficult. ![](https://jtlegaloffices.com/wp-content/uploads/2023/05/Damaged-home-after-Hurricane-Ian.jpg)Hurricane Ian quickly rose on the list of Florida’s most powerful and costliest hurricanes. In fact, Nationwide, Ian ranks as the third most expensive hurricane in U.S. history. When a hurricane is ranked as a “costly” storm, it means the storm caused massive amounts of damage. ## Hurricane Ian victims are being underpaid and left with no option but to sue to receive the compensation they need to repair their homes. The Florida Office of Insurance Regulation (OIR) has been investigating complaints from policyholders regarding insurance companies failing to pay them for their valid damage claims. Underpayments and denials are unfortunate, but they do happen. When a claim is denied or underpaid, the legal process involved in fighting the insurance company’s decision can be lengthy. But litigation ends up being the only option left for many homeowners. **Avoiding formal litigation is usually every party’s goal**. Still, when dealing with an insurance company that fails to properly honor a valid claim, litigation may be the only method available to deliver a fair outcome for the homeowner. Litigation ends up being costly, time-consuming, and risky for every party involved – and despite what the insurance lobbyists say, not every attorney’s immediate decision is to open suit against the insurance company involved. At JT Law Firm, we are always prepared to go into litigation, but litigation is a last resort used only after every other attempt has been exhausted. However, for the cases that make it to court, our highly experienced legal team will create a powerful argument in favor of our client. **Our formidable strength in the courtroom is why we’re the law firm other law firms hire to handle their trials. ## The Insurance company offered $0 We’ve seen Ian claims where the estimated costs to restore the property to its pre-loss condition are well into six figures, and the insurance company ends up making a lowball offer or issues a complete claim denial. Hurricane Ian victims deserve to receive a proper payout for their property damage. We are approaching a year since Hurricane Ian struck Florida in September 2022. Yet over 100,000 claims are still open (as of March 2023). How is this an acceptable result? If you have a Hurricane Ian claim that is still open or was denied and believe you deserve to be properly compensated, schedule a complimentary discovery call with one of our experienced hurricane property damage claim lawyers today. ### Contact JT Law Firm Today Schedule your complimentary discovery call. Call us at [855-585-2997](tel:8555852997). **Categories:** Hurricane Ian --- ### [What can you do if your home is damaged in a storm?](https://jtlegaloffices.com/what-can-you-do-if-your-home-is-damaged-in-a-storm/) **Published:** January 11, 2024 **Author:** JT Law Firm **Content:** Dealing with the aftermath of a storm is not always a simple or straightforward process. Depending on the severity of your damage, you may be in for a lengthy process, but if you’re equipped with the right information and work with an experienced property damage attorney, your claim process can go much faster. If you have already filed your claim and your insurance company has denied or underpaid you, or you believe your claim is being purposefully delayed, contact JT Law Firm. Our lawyers are experienced in dealing with property damage claims like these. **[For more information click here](https://jtlegaloffices.com/case-evaluation/) or call us at 855-585-2997.** ![What can you do if your home is damaged in a storm?](https://jtlegaloffices.com/wp-content/uploads/2024/01/What-can-you-do-if-your-home-is-damaged-in-a-storm.jpg "What can you do if your home is damaged in a storm?")### **After your property sustains damage you can choose to file the claim yourself with your insurance company and manage the claims process – or you can choose to work with a law firm that deals with insurance companies every day.** After your property sustains damage, one of your main goals is to restore your home to its pre-loss condition quickly. As a policyholder, you have the right to file a damage claim to seek compensation for any covered damage your property sustains. ## **What happens if I decide to file on my own?** Many homeowners choose to file their own damage claims. When you choose to file the claim on your own, keep in mind you want to collect enough of a payout to cover your estimated repair costs. This means you need to ensure your repair cost estimate is accurate. [Insurance adjusters have been caught committing insurance fraud on behalf of the insurance company that hired them](https://jtlegaloffices.com/i-was-told-to-put-that-in-my-report-the-insurance-companys-adjuster-was-instructed-to-make-a-false-statement-to-get-the-claim-denied/), so make sure you get at least a second opinion on whatever repair estimate you’re given. This will help you when the insurance company chooses how they will handle your claim. If your insurance company decides to pay you the full amount, then great. It seems like your claim process was straightforward. However, if the insurance company comes back to you with a decision to deny or underpay you for your damage claim, then you need to make a decision to either accept what they offered you or to hire a storm damage claim attorney to fight for you to receive the amount you deserve under your policy. ## **What happens if my insurance company underpays or denies my property damage claim?** This is where things get complicated. One of the main reasons we advise homeowners to work with a law firm from the very beginning of their damage claim process is because insurance companies love working directly with a homeowner since they know the average homeowner does not have an in-depth knowledge of laws pertaining to the insurance industry. Property damage attorneys know the tactics insurance companies use to deny, delay, and underpay homeowners for their damage claims and how to fight those tactics using all relevant laws. ### **The property damage attorneys at JT Law Firm have helped homeowners collect a payout even after their insurance company underpaid or denied their claim.** After a claim denial or underpayment, you have options. You do not have to settle. **Why settle when you could win?** We strongly believe in helping homeowners who have been wronged by their insurance company. If you find yourself fighting against an unfair insurance company, contact JT Law Firm. We’ll fight for you! **[For more information click here](https://jtlegaloffices.com/case-evaluation/) or call us at 855-585-2997.** ## **Can a law firm help me file my claim?** A property damage law firm can help you at any stage of the claim process – including before your claim has even been filed. To enter the claim process with a strong foundation, we actually recommend homeowners contact us prior to filing a claim. This helps us properly inform you on how to proceed so your interests are kept in mind from the very beginning. As a policyholder in good standing, you are entitled to compensation for any damage covered by your policy. Yet, insurance companies often overlook their own processes and fail to honor valid claims. JT Law Firm does not condone this behavior – we advocate for homeowners to help them and their families move past the damage their property sustained so they can resume their normal day-to-day lives. ![Tampa Bay Home Collapse After Powerful Storm](https://jtlegaloffices.com/wp-content/uploads/2024/01/Tampa-Bay-Home-Collapse-After-Powerful-Storm.jpg "Tampa Bay Home Collapse After Powerful Storm")![How long does a roof last in Florida](https://jtlegaloffices.com/wp-content/uploads/2023/07/How-long-does-a-roof-last-in-Florida.jpg "How long does a roof last in Florida")![Roof Damage after hail storm](https://jtlegaloffices.com/wp-content/uploads/2023/08/Roof-Damage-after-hail-storm.jpg "Roof Damage after hail storm")## Common types of storm damage ### **Roof and Structural Damage** Roof damage after a powerful storm is very common and is often identified by the homeowner, who can visibly see the damage or when they have a roof leak. However, sometimes roof damage can be difficult to spot with the naked eye, and a professional inspection is required to address the damage before it spreads. High winds can rip off shingles or damage tiles, leaving the underlying structure vulnerable to water damage. In severe cases, strong winds or falling trees can cause structural damage to the roof or walls as well. ### **Water Damage** Heavy rain can lead to water intrusion, causing flooding in basements or lower levels of your home. Even minimal water penetration can lead to mold growth, which is a health hazard and can deteriorate building materials. ### **Electrical and Appliance Damage** Storms with lightning can cause electrical surges, potentially damaging your home’s electrical system and appliances. It’s important to have these systems checked after a powerful storm. ### **Damage to external structures** Storms can often damage other areas of your property, including pool enclosures, sheds, fences, and even rip the roof off your patio. ## **Property damage attorneys are equipped to fight insurance companies using their knowledge of various laws, which typically results in a higher payout compared to what a homeowner can collect on their own.** JT Law Firm represents homeowners dealing with property damage claims. We know how to push your case forward. This is what we do each and every day. [Contact](https://jtlegaloffices.com/contact/) us today for a free claim review. **Call us at 855-585-2997.** **Categories:** Storm Damage Claims --- ### [Tampa Bay Storm expected to cause massive property damage](https://jtlegaloffices.com/tampa-bay-storm-expected-to-cause-massive-property-damage/) **Published:** January 9, 2024 **Author:** JT Law Firm **Content:** ![Tampa Bay Home Collapse After Powerful Storm](https://jtlegaloffices.com/wp-content/uploads/2024/01/Tampa-Bay-Home-Collapse-After-Powerful-Storm.jpg "Tampa Bay Home Collapse After Powerful Storm")A Tornado Watch has been issued for parts of Tampa Bay, but the larger danger lies in the massive wind energy field of the storm. Powerful gusts and tropical storm strength – and maybe even hurricane strength – winds are expected to hammer Tampa Bay and parts of Florida. Gusts as high as 60 mph are already being felt, and coastal flooding is a real possibility. **Treat this storm as you would a hurricane.** ### Take pictures of your home before and after the storm if possible. Capture pictures and videos of any damaged sections of your home. This will help serve as undeniable evidence when filing your claim. Strengthening your damage claim will help increase your chance of receiving a high payout. ## What type of damage can we see with the storm impacting Tampa Bay and most of Florida? **Gusts as high as 75MPH+ are possible**. Take a look at these images that were just sent to us from a Tampa Bay resident. You can clearly see damage to structures. This is a powerful and unpredictable storm that carries the possibility of massive damage. ![Tampa Bay Storm Collapsed Home](https://jtlegaloffices.com/wp-content/uploads/2024/01/Tampa-Bay-Storm-Collapsed-Home.jpg "Tampa Bay Storm Collapsed Home")![Storm Damage in Tampa Florida](https://jtlegaloffices.com/wp-content/uploads/2024/01/Storm-Damage-in-Tampa-Florida.jpg "Storm Damage in Tampa Florida")![Storm damage in Tampa](https://jtlegaloffices.com/wp-content/uploads/2024/01/Storm-damage-in-Tampa-.jpg "Storm damage in Tampa")### We expect to see damage typically seen with a powerful tropical storm to a category 1 or 2 hurricane. - Coastal and localized flooding - Roof damage - Wind damage - Tornado damage - Damage to windows and doors - Damage from falling debris - Damage to exterior structures These storms are proving to be unpredictable in behavior, and current weather reports show the storm being felt in Tampa Bay is part of a much larger string of storms sweeping through Florida and most of the East Coast of the United States. Any storm with powerful winds and torrential rain carries with it the possibility to be harmful to properties and people. Stay safe and be alert! ## **What can you do if your home is damaged in a storm?** **[For more information click here](https://jtlegaloffices.com/case-evaluation/) or call us at [855-585-2997](tel:8555852997).** The first thing you need to do is act. As a policyholder in good standing, you have the right to file a damage claim with your insurance company to seek financial compensation for any damage your property sustains. This means you need to choose if you are going to file and fight the insurance company on your own or if you will work with a property damage attorney and have them fight the insurance company for you. ### **Property damage attorneys generally collect a higher payout from insurance companies than homeowners who handle a claim themselves.** If you find yourself dealing with storm damage. Work with a law firm that has a track record of helping homeowners. JT Law Firm represents homeowners dealing with property damage claims. [Contact](https://jtlegaloffices.com/contact/) us today for a free claim review. **Call us at** [**855-585-2997**](tel:8555852997)**.** **Categories:** Storm Damage Claims --- ### [El Niño Winter Storms Have Begun Impacting the East Coast](https://jtlegaloffices.com/el-nino-winter-storms-have-begun-impacting-the-east-coast/) **Published:** December 20, 2023 **Author:** JT Law Firm **Content:** Florida saw a massive El Niño-fueled winter storm slam into nearly the entire state over the weekend, with most of the storm impacting the state on Saturday, December 16. ### **This was a formidable storm and was by all accounts tropical strength.** The storm swept through Florida and is now making its way up the East Coast, impacting nearly all of the East Coast as it makes its way up north. **Impacted states include Florida, New York, New Jersey, and Pennsylvania, among others.** ![El Niño Winter Storms Have Begun Impacting the East Coast](https://jtlegaloffices.com/wp-content/uploads/2023/12/El-Nino-Winter-Storms-Have-Begun-Impacting-the-East-Coast.jpg "El Niño Winter Storms Have Begun Impacting the East Coast")## What can you expect with this winter storm? ### **Florida faced tropical storm conditions, causing heavy rain, power outages, and powerful gusts suspected to be in the 60s. Damaged seawalls and property damage are being reported from areas across Florida. This storm is indicative of what might be a strong El Niño winter, which generally brings more storms across the Southeast. This particular system brought tropical-like conditions to the Tampa Bay area and many parts of Florida. The winter storm moved into Florida from the state’s west coast, so areas like Tampa Bay and St. Petersburg were hit hard. This storm remains unnamed because it’s a “cold-core system,” meaning it originates from a cold front, differing from tropical cyclones. However, its strength is in line with tropical storm conditions. ## The Winter Storm is now moving north. If you’re in this storm’s path, anticipate a combination of heavy rainfall, high winds, powerful wind gusts, potential coastal floods, the possibility of tornadoes, and snowfall for specific areas. **Forecasted Impacts and Warnings** - **Coastal concerns:** Watch out for storm surges, high surf, and beach erosion. - **Wind advisory:** Expect gusty winds capable of causing power outages across the Southeast to the Northeast, with wind speeds potentially reaching 60 mph. - **Rain and snow:** Heavy rain is expected, with some regions facing up to 6 inches, leading to potential flooding. Snow accumulation is also possible in the interior Northeast. Despite being unnamed, it’s essential to stay informed and follow local weather advisories. Those living along the coast should be mindful of coastal flood watches, gale warnings, and small craft advisories. ## Stay safe and be informed. This weekend and throughout the winter, it’s crucial to stay alert and aware of local weather conditions. The unusual nature of these El Niño storms can catch people off guard, and the property damage these storms can cause is massive. Being informed is your first line of defense against these unpredictable weather events. ## Helping homeowners collect the highest possible payout is our goal. Working with an experienced property damage claim attorney can help ease your stress and push your claim process forward if your home is damaged. **JT Law Firm is a reputable law firm serving Florida, New York, New Jersey, and Pennsylvania.** Our team aggressively fights the insurance company on your behalf. Contact us today for a free claim review. **Call us at** [**855-585-2997**](tel:8555852997)**.** **Categories:** Property Damage, Storm Damage Claims --- ### [Tornado damage claims expected to rise in Florida’s Bay Area ](https://jtlegaloffices.com/tornado-damage-claims-expected-to-rise-in-floridas-bay-area/) **Published:** October 13, 2023 **Author:** JT Law Firm **Content:** **Categories:** Tornado damage claims --- ### [Widespread flash flooding and record-breaking torrential rain cause massive flood damage in New York](https://jtlegaloffices.com/widespread-flash-flooding-and-record-breaking-torrential-rain-cause-massive-flood-damage-in-new-york/) **Published:** October 13, 2023 **Author:** JT Law Firm **Content:** **Categories:** Flood damage --- ### [Hurricane Idalia Property Damage Claims](https://jtlegaloffices.com/hurricane-idalia-property-damage-claims/) **Published:** September 21, 2023 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Idalia, Hurricane property damage claims, Idalia --- ### [Idalia is expected to hit Florida as a hurricane](https://jtlegaloffices.com/idalia-is-expected-to-hit-florida-as-a-hurricane/) **Published:** August 27, 2023 **Author:** JT Law Firm **Content:** ![Tropical Storm Idalia Headed to Florida](https://jtlegaloffices.com/wp-content/uploads/2023/08/Tropical-Storm-Idalia-Headed-to-Florida.jpg "Tropical Storm Idalia Headed to Florida")Tropical Storm Idalia is expected to strengthen into at least a Category 1 Hurricane and strike Florida’s West Coast or Panhandle as early as Tuesday, August 29, 2023. > “Exactly how Idalia will strengthen, and the path the storm will take is still unclear. What we do know is this storm packs a punch and will likely impact parts of Florida early into the week. The time to prepare is right now,” said Attorney John Tolley of JT Law Firm. ## **Idalia has the potential to intensify rapidly**. The National Hurricane Center said, “[There’s a notable risk of rapid intensification while the system moves across the record warm eastern and northeastern Gulf of Mexico](https://www.nhc.noaa.gov/text/refresh/MIATCDAT5+shtml/270859.shtml?).” ## **What can you expect if Idalia becomes a hurricane?** If Idalia strengthens into a hurricane, it will likely threaten parts of Central Florida up to the Panhandle; however, escaping bands can bring powerful storms throughout the state, including storms with the potential to cause harm to property and people. Seeking shelter and properly preparing for the storm is of the utmost importance right now. **[The National Hurricane Center (NHC) predicts parts of Florida can see up to 10 inches of rain.](https://winknews.com/2023/08/27/tropical-system-developing/)** ## **Category 1 hurricanes are still powerful storms with devasting power.** A category 1 hurricane, which is the current prediction for Idalia, has sustained winds between 74-95 mph, but gusts can be well past those numbers. A category 1 hurricane can also spawn tornados and wreak havoc on locally affected communities. ## **What type of property damage is commonly seen in a category 1 hurricane?** There’s no accurate way to predict what type of damage a storm may cause because every storm is different. However, sustained winds of 74-95 mph can often cause the following damage: - Shingle roof damage - Tile roof damage - Siding damage - Damage from flying debris - Broken windows - Fence damage - Large branches may snap from tress - Small trees and trees with shallow roots may fall The potential for tornado damage is present with any hurricane or powerful storm, and damage typically associated with tornadoes can be catastrophic. ## **Tip from a hurricane damage lawyer** Before a powerful storm strikes your home, take pictures or videos of your roof. If the storm damages your roof in any way, you’ll have compelling evidence to show your insurance company. By showing them a picture of your roof before it had damage and comparing it with pictures after the storm, you should be able to create a strong case for your claim. **Categories:** Hurricane property damage claims, Idalia --- ### [Convincing a Jury: Is Your Property Damage Claim Justifiable?](https://jtlegaloffices.com/convincing-a-jury-is-your-property-damage-claim-justifiable/) **Published:** August 24, 2023 **Author:** JT Law Firm **Content:** ![Is Your Property Damage Claim Justifiable](https://jtlegaloffices.com/wp-content/uploads/2023/08/Is-Your-Property-Damage-Claim-Justifiable.jpg "Is Your Property Damage Claim Justifiable")**JT Law Firm prepares your claim as if it’s going to trial from day 1.** This helps your claim submission and supporting evidence appear stronger and typically results in your claim settling outside of a courtroom. Navigating the complexities of a property damage claim takes a seasoned property damage claim attorney. When your home or commercial property is damaged, and the claim is denied or underpaid, you may feel you have no choice other than to engage in formal litigation. A lot of cases settle outside the courtroom. For those cases that do end in litigation, you need an experienced trial attorney with the ability to create a powerful argument in favor of your claim. ## You need overwhelming evidence to support your claim. ### **Images and videos are not always enough. You are expected to have them, but your attorney needs to take an approach beyond standard media.** When facing off against an insurance company in litigation, your attorney needs to prepare an overwhelming amount of evidence to convince a jury your claim deserves to be paid. In the more than likely event your insurance company tries to convince the jury you are engaging in some form of fraud or “trying to get a free roof”, your attorney needs to prove by preponderance of the evidence that a powerful enough weather event struck your property and that it caused the damage seen in the images submitted with your claim. This is a needed step to convince a jury your claim is valid when a weather event like a hurricane, tornado, hail storm, etc, caused damage to your property. JT Law Firm works with advanced software to uncover, identify, and report on powerful weather events. This software is one of the tools we deploy in a trial to strengthen your claim. ## The insurance company refused to compensate our client fairly. We got the homeowner over $100,000. Insurance companies are caught denying and underpaying valid claims often. If you find out your insurance company is denying or underpaying you for your claim, then speak with an experienced property damage claim attorney as soon as you can. ## Trust the law firm other lawyers trust with their litigation cases. Our firm is built on the premise of helping property owners recover the compensation they are entitled to from their valid homeowner’s insurance policies. Multiple cases have been settled in and out of court by our legal team where [the insurance company was caught refusing to pay](https://jtlegaloffices.com/hurricane-ian-underpayments-and-lowball-damage-estimates-the-insurance-company-refused-to-compensate-our-client-fairly-we-got-the-homeowner-over-100000/) a homeowner for their valid claim. [Schedule a consultation today with a JT Law Firm Attorney. ](https://jtlegaloffices.com/case-evaluation/) ## Are you a public adjuster, roofer, or contractor? Attend one of my webinars. The goal of our webinars, hosted by Attorney John Tolley, is to help you document and report supporting evidence of property damage in a more persuasive manner. > “Preparing your case as if it’s going to trial from the very beginning can increase your chance of winning at trial or getting a better resolution for your clients,” Attorney John Tolley said in a previous webinar. [View our upcoming webinars](http://jtlegaloffices.com/upcoming-webinars) ## Do I have a valid damage claim? One of the primary concerns for property owners is to determine whether they have a valid [property damage claim](https://jtlegaloffices.com/property-insurance-claims/). Determining the validity of your claim requires an understanding of the damage sustained, in-depth knowledge of laws pertaining to property damage, and the ability to interpret and comprehend insurance policies. Your attorney can handle this step. A valid claim typically requires a few conditions to be met: 1. **The Nature of the damage needs to be in line with what is stated in your policy**: Was the damage accidental, environment, or related to a weather event? For example, damages from unexpected events like [hail storms](https://jtlegaloffices.com/property-insurance-claims/) are typically covered under many policies. 2. **Does your policy cover you**: Does your insurance policy cover the specific type of damage your property incurred? Not all policies will cover every kind of damage. 3. **Was your claim filed on time**: Did you report the damage within the required timeframe? Insurance companies have strict deadlines for reporting damages. A late submission can jeopardize your claim’s validity. These are just a few conditions that need to be met for your claim to be valid. During your free claim consultation, your attorney will review every variable to determine if you have a valid claim. ## What is My Claim Worth? Establishing a potential worth for your damage claim can be done during a claim review or consultation with an attorney. Factors that can influence the claim worth include the type of damage, repair costs, depreciation values, and policy limits. For instance, [tile roof damage](https://jtlegaloffices.com/tile-roof-damage-claim-lawyers/) can be expensive to fix, given the high material and labor costs associated with it, so a claim involving a tile roof will likely have a higher potential worth than a claim for a shingle roof. ### One crucial tip when determining the worth of your claim is to get independent estimates. Sometimes, the insurance company’s adjusters might provide you with a lower estimate than the actual repair cost. Having your own estimate helps you understand the true repair or replacement costs of restoring your property. JT Law Firm works with various professionals and can help in this step. ## How can a property damage claim lawyer help me? ### Having a legal professional by your side can be invaluable during the claims process. - **Assess validity and claim worth:** Lawyers practicing in property damage can give you a clear indication of the validity and potential worth of your claim. - **Get you an accurate repair/replacement estimate:** An experienced lawyer will have a trusted network of professionals in the industry to help get the ball rolling quickly and in the right direction. - **Negotiate with the insurance company:** An insurance company may offer a settlement that is far below what you are entitled to, or they may even deny your valid claim. A lawyer can negotiate and fight on your behalf to help you receive a proper payout. - **Prepare for legal proceedings:** If your claim goes to court, you need an experienced attorney presenting evidence, arguing cases, and helping convince the jury the extent of your damages is covered under your policy, and the insurance company needs to honor your valid claim. ![Prepping for a property damage claim trial case](https://jtlegaloffices.com/wp-content/uploads/2023/08/Prepping-for-a-property-damage-claim-trial-case.jpg "Prepping for a property damage claim trial case")## You can’t spell justice without JT. Speak with JT Law Firm today for a free claim review. **Schedule your complimentary discovery call. Call us at** [**855-585-2997**](tel:8555852997)**.** **Categories:** Commercial Property Damage Claims, Hurricane property damage claims, Property Damage, Tips for Public Adjusters --- ### [(Webinar Registration) Tips Public Adjusters Can Implement Today to Maximize Their Client’s Claim ](https://jtlegaloffices.com/webinar-registration-tips-public-adjusters-can-implement-today-to-maximize-their-clients-claim/) **Published:** August 7, 2023 **Author:** JT Law Firm **Content:** **[Register for our upcoming free webinar – click here to secure your spot!](https://us06web.zoom.us/webinar/register/WN_ibKFbX24RJaVpH6laxK9nQ#/registration)** ## How can I speed up my client’s insurance claim? This is a common question we get asked often. The answer is not that simple, but there are tactics you can implement today to ensure a better claims process for your clients – thus improving their experience with you and helping them secure a faster, higher payout. **This is the exact question we will be answering in our upcoming free webinar. We are going to share tactics proven to expedite the claims process. Tactics acquired through years of experience and after dozens of tried cases.** For more information, [register for our free webinar](https://us06web.zoom.us/webinar/register/WN_ibKFbX24RJaVpH6laxK9nQ#/registration) or [follow us on social media](https://www.tiktok.com/@letslitigate) to stay up-to-date with the latest tips John Tolley has to share. ![Attorney John Tolley Helping Public Adjusters Close Claims Faster](https://jtlegaloffices.com/wp-content/uploads/2023/08/Attorney-John-Tolley-Helping-Public-Adjusters-Close-Claims-Faster.jpg "Attorney John Tolley Helping Public Adjusters Close Claims Faster")> “This webinar is for roofers, contractors, and public adjusters who are looking to enhance their knowledge in the property insurance claims process. The goal of this is to help document, report, and support evidence of property damage in a more persuasive manner. Preparing your case as if it’s going to trial from the very beginning can increase your chance of winning at trial or getting a better resolution for your clients.” [**Attorney John Tolley**](https://jtlegaloffices.com/attorney-john-tolley/) **has successfully tried dozens of cases and is the attorney of choice other lawyers go to when they go to trial.** ![John Tolley holding a webinar for Public Adjusters](https://jtlegaloffices.com/wp-content/uploads/2023/08/John-Tolley-holding-a-webinar-for-Public-Adjusters.jpg "John Tolley holding a webinar for Public Adjusters")Insurance companies are not particularly known for playing fair in the claims process – this is true whether you’re a homeowner handling a claim yourself, a public adjuster, or even an attorney. The insurance company has a team of professionals at their disposal and deploys every tactic available to them in order to avoid paying a claim when they feel they can get away with it. As a public adjuster, your role in expediting the claims process and ensuring a fair settlement is critical. JT Law Firm is hosting a free webinar for public adjusters, roofers, and contractors, where Attorney John Tolley will be sharing his insightful tips for maximizing claims. [Register for free here](https://us06web.zoom.us/webinar/register/WN_ibKFbX24RJaVpH6laxK9nQ#/registration). **[Register for our upcoming free webinar – click here to secure your spot!](https://us06web.zoom.us/webinar/register/WN_ibKFbX24RJaVpH6laxK9nQ#/registration)** **Categories:** Property Damage, Tips for Public Adjusters --- ### [How long does a roof last in Florida?](https://jtlegaloffices.com/how-long-does-a-roof-last-in-florida/) **Published:** July 21, 2023 **Author:** JT Law Firm **Content:** **Categories:** Roof Damage --- ### [Commercial Property Damage Hurricane Ian Claims ](https://jtlegaloffices.com/commercial-property-damage-hurricane-ian-claims/) **Published:** July 10, 2023 **Author:** JT Law Firm **Content:** ![Commercial Hurricane Ian Claims](https://jtlegaloffices.com/wp-content/uploads/2023/07/Commercial-Hurricane-Ian-Claims.jpg "Commercial Hurricane Ian Claims")Thousands of Hurricane Ian commercial insurance claims are still open. These business owners just want their operations to run smoothly so they can get their lives back. [More than 32,800 commercial claims were reported from Hurricane Ian](https://winknews.com/2023/05/24/i-just-want-my-life-back-tens-of-thousands-of-hurricane-ian-insurance-claims-remain-open/), according to the Florida Office of Insurance Regulation. Out of these claims, 13,782 remain open without payment, and 8,517 were closed without payment – meaning out of 32,000+ Commercial Ian Claims, 22,299 have not received any compensation. ### “Insurance companies prefer to work the claim directly with a homeowner or business owner,” said Attorney John Tolley. Adding that homeowners and business owners are usually not trained in these types of claims, and the insurance company takes advantage of that fact. Insurance companies know they’ll have to pay you more money when a professional is involved. ![Hurrciane Ian Business Damage](https://jtlegaloffices.com/wp-content/uploads/2023/07/Hurrciane-Ian-Business-Damage.jpg "Hurrciane Ian Business Damage")![Commercial Damage From Hurrciane Ian](https://jtlegaloffices.com/wp-content/uploads/2023/07/Commercial-Damage-From-Hurrciane-Ian.jpg "Commercial Damage From Hurrciane Ian")![Hurricane Ian Commercial Plaza Damage](https://jtlegaloffices.com/wp-content/uploads/2023/07/Hurricane-Ian-Commercial-Plaza-Damage.jpg "Hurricane Ian Commercial Plaza Damage")## More Hurricane Ian claims are expected to be filed in the middle to end of 2023. As Florida’s rainy and hurricane seasons go into full swing, the amount of Ian claims is expected to rise – especially commercial roof damage claims. Powerful and continuous rain storms can point out roof damage that’s difficult to see with the naked eye resulting in leaks, water intrusion and watermarks on the ceiling or along walls. ### If your commercial property was not professionally inspected after Hurricane Ian, then you may have damage and be unaware of it. Florida’s rainy season seems to be filled with an almost predictable and daily rain cycle. This rainfall can expose damage to your property and result in your business having to close its doors for repairs temporarily. You may even suffer inventory or infrastructure losses from water damage. Small businesses are the lifeblood of Florida – [99.8% of businesses in the state are small businesses, and they employ more than 41% of Florida’s workforce](https://www.businessnewsdaily.com/8811-doing-business-in-florida.html). We need our small businesses to remain open. If your commercial property was damaged as a result of Hurricane Ian and you want help fighting the insurance company, JT Law Firm can help. Our team of Hurricane Ian Property Damage Attorneys knows what to do to fight for you to receive the highest possible payout. **Schedule your complimentary discovery call. Call us at [855-585-2997](tel:8555852997).** **Categories:** Commercial Property Damage Claims, Hurricane Ian, Hurricane property damage claims --- ### [Restoration Association of Florida is holding a Seminar + Happy Hour sponsored by JT Law Firm](https://jtlegaloffices.com/restoration-association-of-florida-is-holding-a-seminar-happy-hour-sponsored-by-jt-law-firm/) **Published:** June 27, 2023 **Author:** JT Law Firm **Content:** ![RAF JT Law Firm Sponsorship](https://jtlegaloffices.com/wp-content/uploads/2023/06/RAF-JT-Law-Firm-Sponsorship.jpg "RAF JT Law Firm Sponsorship")![49870 RAF-Banner for web copy](https://jtlegaloffices.com/wp-content/uploads/2023/06/49870-RAF-Banner-for-web-copy.jpg "49870 RAF-Banner for web copy")[ Scan the QR code or click here ](https://www.eventbrite.com/e/restoration-association-of-florida-seminar-tickets-656738491507?aff=ebdssbdestsearch)## Event details: **John Tolley, the Founder of JT Law Firm will be presenting from 4:00 PM to 5:00 PM.** • When: Thursday, June 29th, 2023 • Where: DoubleTree by Hilton Deerfield Beach Boca Raton • Address: 100 Fairway Drive, Deerfield Beach, FL 33441 • What time: 3:00 PM – 7:00 PM • Who: Everyone is invited to attend! • Free for RAF Members and $25 for Non-RAF Members. ## Why attend? JT Law Firm and The Restoration Association of Florida are hosting a 2-hour seminar discussing recent legislative changes and how they impact you. Attorney John Tolley will share his top legal insight for maximizing your claim by collecting persuasive and compelling evidence upfront. He will also be reviewing a legal precedent set by JT Law Firm when Attorney Joshua Brownlee had a proposal for settlement stricken for certain claims. This seminar is a must attend for anyone dealing with a claim or anyone who expects to deal with a claim ever in their lifetime. Discover how to get paid quickly and get paid more from the professionals who do this for a living. We will also be discussing the new Immigration bill SB 1718, and how it’s impacting Floridians. ## About JT Law Firm – The Law Firm Other Lawyers Trust With Their Cases. **We are dedicated to your legal needs and delivering justice.** JT Law Firm believes in hard work. We strive to always provide clients with an unrivaled legal experience and to maximize the results clients receive. 25+ years of combined experience and hundreds of happy clients. Your legal concerns are our concerns. We are committed to excellence and to creating bold legal strategies to power your cases. **Meet Our Attorneys** ## Experienced, Compassionate, Result-Oriented ![John](https://jtlegaloffices.com/wp-content/uploads/2022/08/John.jpg "John")#### John Tolley, Esq. Partner [ Read his bio ](https://jtlegaloffices.com/attorney-john-tolley/)![Monica](https://jtlegaloffices.com/wp-content/uploads/2022/08/Monica.jpg "Monica")#### Monica Balyasny, Esq. Partner [ Read her bio ](https://jtlegaloffices.com/attorney-monica-balyasny/)![Josh](https://jtlegaloffices.com/wp-content/uploads/2022/08/Josh.jpg "Josh")#### Joshua Brownlee, Esq. Partner [ Read his bio ](https://jtlegaloffices.com/attorney-joshua-brownlee/)![Loilette Pelier Associate Attorney At JT Law Firm](https://jtlegaloffices.com/wp-content/uploads/2023/06/Loilette-Pelier-Associate-Attorney-At-JT-Law-Firm.jpg "Loilette Pelier Associate Attorney At JT Law Firm")#### Loilette Pelier Associate Attorney [ Read her bio ](https://jtlegaloffices.com/attorney-loilette-pelier/)![Matthew Tolzmann Associate Attorney At JT Law Firm](https://jtlegaloffices.com/wp-content/uploads/2023/06/Matthew-Tolzmann-Associate-Attorney-At-JT-Law-Firm.jpg "Matthew Tolzmann Associate Attorney At JT Law Firm")#### Matthew Tolzmann Associate Attorney [ Read his bio ](https://jtlegaloffices.com/attorney-matthew-tolzmann/) **Categories:** Firm News, Property Damage --- ### [Hurricane Ian Underpayments and Lowball Damage Estimates. The insurance company refused to compensate our client fairly. We got the homeowner over $100,000.](https://jtlegaloffices.com/hurricane-ian-underpayments-and-lowball-damage-estimates-the-insurance-company-refused-to-compensate-our-client-fairly-we-got-the-homeowner-over-100000/) **Published:** June 21, 2023 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Hurricane property damage claims --- ### [Tips for Hurricane Season From A Property Damage Lawyer ](https://jtlegaloffices.com/tips-for-hurricane-season-from-a-property-damage-lawyer/) **Published:** June 10, 2023 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [Does your ceiling show signs of water damage? What can you do?](https://jtlegaloffices.com/does-your-ceiling-show-signs-of-water-damage-what-can-you-do/) **Published:** May 23, 2023 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Hurricane Nicole, Roof Damage --- ### [Tornado property damage claim lawyers in Florida](https://jtlegaloffices.com/tornado-property-damage-claim-lawyers-in-florida/) **Published:** May 13, 2023 **Author:** JT Law Firm **Content:** ![](https://jtlegaloffices.com/wp-content/uploads/2023/05/Tornado-Damage-Claim-1.jpg)Tornados cause millions worth of damage each year. In 2021, tornadoes caused more than $229 Million in damage across the U.S., which luckily is down from a peak in 2011 when tornadoes caused more than $9 Billion in damage across the country. ## Tornado damage insurance claims are complex. Tornadoes have the potential to cause catastrophic levels of structural damage to both residential and commercial properties. In fact, aside from the storm surge associated with Hurricane Ian, tornadoes spawned by the storm passed through crowded neighborhoods and tore roofs apart. Entire blocks were decimated because of powerful tornadoes. Hurricanes and thunderstorms can both spawn tornados with little to no warning leaving nearby properties at risk of sustaining damage. Not to mention the danger tornadoes pose to human life. ## Types of Tornado Property Damage 1. Structural Damage: Tornadoes can cause severe structural damage to homes and commercial properties. Leaving damage to walls, roofs, windows, doors, and in some cases, even damaging the foundation of the property. In extreme cases, this type of damage can result in a partial or full collapse of the property. 2. Wind Damage: Strong winds generated by tornadoes can cause roof shingles to fly away or loosen, cause roof tiles to shift or become dislodged, and even result in wind uplift damage. 3. Water Intrusion: Any damage sustained in the roof can quickly lead to water intrusion damage. Powerful winds can also cause damage to doors and windows, which can also lead to water intrusion damage. 4. Loss of Personal Property: If a home sustains any sort of structural or water intrusion, then additional damages that may be present also include loss of personal property. This can include damaged furniture, electronics, jewelry, and art, among others. 5. Damage from flying debris: When tornadoes spawn, they pick up anything they can on their path. Small objects, trees or branches, and rocks can all become projectiles traveling at high speeds, and collide with your home. Windows can be broken, roofs punctured, and doors forced open if a large enough object slams into it. ## Tornado Property Damage Claim Lawyers Navigating the claims process can be difficult. Insurance companies are not known for their kindness or willingness to help homeowners. Any damage claim needs to be handled in a timely manner to ensure you are properly compensated and to help you regain a sense of normality. **Our team of lawyers can help you…..** - Understand how much damage your property sustained. - Review your policy to uncover how much compensation you are really entitled to. - Assist with documentation and evidence gathering. - Negotiate with the insurance company on your behalf to avoid you accepting a lowball offer. - In the event negotiations fail, we can help you with formal litigation to fight for you to collect the compensation owed to you. ## Contact JT Law Firm Today If you’ve experienced property damage due to a tornado and need assistance with your insurance claim, contact JT Law Firm for a free claim review. Schedule your complimentary discovery call. Call us at [855-585-2997](tel:8555852997). **Categories:** Hurricane property damage claims, Property Damage --- ### [HURRICANE IAN STRIKES AGAIN](https://jtlegaloffices.com/hurricane-ian-strikes-again/) **Published:** May 11, 2023 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Hurricane property damage claims, Property Damage --- ### [Hail Property Damage Claims in Texas](https://jtlegaloffices.com/hail-property-damage-claims-in-texas/) **Published:** May 4, 2023 **Author:** JT Law Firm **Content:** ![Hail Damage Claims in Texas](https://jtlegaloffices.com/wp-content/uploads/2023/05/Hail-Damage-Claims-in-Texas.jpg "Hail Damage Claims in Texas")## Everything is bigger in Texas…..including the hail. Grapefruit-sized hail falls near Waco. [A hailstone four inches across fell near Waco, Texas. ](https://www.washingtonpost.com/weather/2023/04/27/large-hail-texas-florida-hailstorms/) Severe weather has impacted Texas since last week, resulting in several hailstorms. Large hail, strong winds, and heavy downpours are a powerful and destructive combination. [More storms are expected to impact parts of Texas](https://news.yahoo.com/western-parts-north-texas-face-232300939.html) that have already been affected by previous storms. ![Hail Damage Consultation with John Tolley](https://jtlegaloffices.com/wp-content/uploads/2023/05/Hail-Damage-Consultation-with-John-Tolley.jpg "Hail Damage Consultation with John Tolley")## Review your homeowner’s insurance policy and make sure it’s in good standing. Before a storm sweeps over your property, review your insurance policy and make sure it’s active and in good standing. Otherwise, you risk going out of pocket for repair costs that would have normally been covered. Most homeowners’ insurance policies offer some form of coverage for hail, wind, and water intrusion damage – which are commonly associated with powerful storms. Take pictures of your property prior to a powerful storm’s arrival; this will serve as critical evidence to strengthen your claim and possibly result in a faster payout from the insurance company. In the event your home is damaged, make sure to properly file a damage claim as soon as possible. ## Multiple hailstorms roll through Texas, causing massive damage. What can you do if your property was damaged? Hire an experienced property damage claim attorney in your area – especially one who specializes in hail damage. Insurance companies are notorious for denying, delaying, and underpaying damage claims. Make sure you don’t fall victim to an insurance company’s denial or underpayment tactics. Your property was damaged; you deserve to have it restored to its pre-loss condition. ## JT Law Firm can help you collect compensation for your hail damage and fight for you to receive the highest possible payout. ### What type of property damage is typically associated with hailstorms? The intensity of a hailstorm can vary greatly – from rice-sized hailstones to grapefruit-sized stones or larger. Hail is basically ice falling from the sky and slamming into anything in its path. As the intensity of a storm picks up, so does the expected damage. **Property damage typically found after a hailstorm passes includes:** 1. Roof damage 2. Cracked or broken roof tiles 3. Damaged outdoor spaces, such as broken screened-in pools 4. Damage to your property’s siding 5. Damaged landscaping ## Contact JT Law Firm for help with your claim. Our Texas based law firm specializes in helping property damage victims collect the compensation they are entitled to. We aggressively fight for our clients, and we will fight for you. Schedule your complimentary discovery call. Call us at [855-585-2997](tel:8555852997). **Categories:** Hail Damage --- ### [Hail property damage claims in Orlando](https://jtlegaloffices.com/hail-property-damage-claims-in-orlando/) **Published:** April 27, 2023 **Author:** JT Law Firm **Content:** ![Hail Damage](https://jtlegaloffices.com/wp-content/uploads/2023/04/Hail-Damage.jpg "Hail Damage")Severe thunderstorms are expected to strike Orlando and nearby cities starting on April 26 and may continue for several days afterward. As of 4 pm on April 26, 2023, the Orlando area remains with a Severe Thunderstorm Watch in effect and a Level 3 Hail Threat. ## Baseball-sized hail is possible with this Thunderstorm. If you live in Orlando or Central Florida, then you definitely want to seek shelter and stay indoors and let the storm pass. This storm has the potential to cause damage and create very unfavorable conditions. Fox 35 Orlando reports, “[Strong Storms could bring destructive hail, damaging winds](https://www.fox35orlando.com/news/orlando-weather-forecast-strong-storms-to-fire-up-across-central-florida).” ![Hail Damage Lawyer](https://jtlegaloffices.com/wp-content/uploads/2023/04/Hail-Damage-Lawyer.jpg "Hail Damage Lawyer")**What can you expect with this round of thunderstorms that’s on the way to Orlando and other parts of Central Florida?** - Blinding rain - Cloud-to-ground lightning - Hail with up to a 2-3 inch diameter - Powerful winds with gusts up to 60MPH - A low tornado threat **What cities are expected to be impacted?** - Orlando - Sanford - Melbourne - St. Cloud - Clermont - Ocala - Daytona Beach - Winter Haven - Kissimmee - Titusville - New Smyrna - Gainesville - The Villages - Cocoa Beach ## How common is hail in Orlando? Hail storms in Florida are actually very common – especially during Florida’s hail season, which spans from March to July. ### **Common Types of Damage Associated with Hail Storms** Hail can cause a wide range of damage, including: 1. Roof damage 2. Broken or cracked windows 3. Damage to your landscaping 4. Damage to your home’s siding ## Contact a hail damage lawyer in Orlando. A hail damage claim lawyer can help with your claim process. The team at JT Law Firm knows how insurance companies operate, and we know how to fight them using the law. Our goal is always to get you paid for your claim. You deserve peace of mind. You deserve to move forward from your property damage. ## Speak with JT Law Firm for a free claim review today. Schedule your complimentary discovery call. Call us at [855-585-2997](tel:8555852997). **Categories:** Hail Damage, Property Damage --- ### [Property damage claims rise in Fort Lauderdale and other parts of South Florida](https://jtlegaloffices.com/property-damage-claims-rise-in-fort-lauderdale-and-other-parts-of-south-florida/) **Published:** April 18, 2023 **Author:** JT Law Firm **Content:** ![Cars Broken on Broward Fort Lauderdale DUring Historic Storm](https://jtlegaloffices.com/wp-content/uploads/2023/04/Cars-Broken-on-Broward-Fort-Lauderdale-DUring-Historic-Storm.jpg "Cars Broken on Broward Fort Lauderdale DUring Historic Storm")Residents are left shaken in the aftermath of a historic storm that brought a massive amount of rainfall to parts of Broward County, including Fort Lauderdale, FL, which experienced the worst of the storm. Homes, businesses, and cars all sustained damage estimated to be in the millions. ## Expect damage claims to be denied and underpaid. Unfortunately, in times of crisis, insurance companies are not known for honoring every policy – even policies where covered events took place. If your home or business was damaged, JT Law Firm can help you recover the compensation you are entitled to. ![Broward Street During Historic Storm](https://jtlegaloffices.com/wp-content/uploads/2023/04/Broward-Street-During-Historic-Storm.jpg "Broward Street During Historic Storm")#### **Frequently asked questions** ## **How much time do I have to file a claim with my insurance company?** Depending on your policy, you have 1 or 2 years to file a damage claim and 60 days from the time of damage to file a flood claim. ## **Will my homeowner’s insurance cover my flood damage?** Usually no. Most standard homeowners insurance policies do not cover property damage from a flood. Flood insurance is a separate policy used to cover damages associated with a flood. ## **What happens if I did not have flood insurance at the time my home was flooded?** You will likely need to cover the expenses out of pocket. A professional can read your policy to see if any language in it indicates coverage of some kind. Flood damage is usually covered by flood insurance, so if there’s no flood insurance policy written prior to the date of loss, then the cost to repair or replace the damaged areas will likely need to be covered by the property owner. ## **Should my home be inspected even if I don’t see any damage?** Yes! The reason you should still have your property inspected even if you do not see any visible damage is because damage may still be present – it just may be harder to see. Wind uplift and water intrusion damage are commonly associated with a powerful storm, and they may not always be visible in the beginning. If a claim is not filed within your filing window, then you may need to come out of pocket for damages your policy would have covered if a claim was filed on time. ## **Will my homeowner’s insurance policy cover my leaking roof?** Homeowners’ insurance policies typically do cover roof damage. Contact JT Law Firm, and we’ll connect you with one of our trusted professionals so your home can be professionally inspected to identify the cause of your leak so we can determine if your policy will cover the repair costs. ## **My roof sustained major damage. Can you help?** We can! The facts surrounding the April 12, 2023 storm are still being put together, but there are multiple unconfirmed accounts of tornadoes spawning in multiple cities. Tornadoes create dangerous conditions and cause massive damage. If tornadoes did spawn, we would expect to see major roof damage to multiple homes. Right now, in the media, there are videos circulating showing homes with major roof damage, which does point to tornado damage. ## **How much does it cost to repair flood damage in a home?** According to an estimate from Floodsmart.gov, a 2,500-square-foot home with 6 inches of water could potentially have $50,000 or more in damages. However, it’s important to speak with a professional to accurately understand the damages your property sustained. ## **Speak with a flood damage claim attorney today.** Schedule your complimentary discovery call today. Call us at [855-585-2997](tel:8555852997). **Categories:** Flood damage, Fort Lauderdale Flood, Property Damage, Water intrusion --- ### [Flash floods and water intrusion damage in Fort Lauderdale FL](https://jtlegaloffices.com/flash-floods-and-water-intrusion-damage-in-fort-lauderdale-fl/) **Published:** April 13, 2023 **Author:** JT Law Firm **Content:** **Categories:** Flood damage, Property Damage, Water intrusion --- ### [HURRICANE IAN FOUR MONTHS LATER, UNDERPAYMENTS FOR EVERYONE ](https://jtlegaloffices.com/hurricane-ian-four-months-later-underpayments-for-everyone/) **Published:** February 17, 2023 **Author:** JT Law Firm **Content:** Hurricane Ian caused widespread and catastrophic damage to homes and businesses, and many property owners are finding that their insurance claims are being underpaid. This can be a frustrating and overwhelming experience, especially for those who are already dealing with the aftermath of a natural disaster. While the insurance companies are getting great return on investment for their recent lobbying efforts in Tallahassee, many Florida homeowners are seeing their claims vastly underpaid. ![Hurricane IAN 4 months later](https://jtlegaloffices.com/wp-content/uploads/2023/02/Hurricane-IAN-4-months-later.jpg "Hurricane IAN 4 months later")## HOW CAN MY CLAIM BE UNDERPAID? One of the main reasons why insurance claims are underpaid is because insurance companies often try to settle claims for as little as possible. They may use various tactics to reduce the amount they pay out, such as denying coverage for certain types of damage or arguing that the damage was caused by something other than the hurricane. It is not uncommon after Hurricanes that cause massive storm surge like Hurricane Ian did that Homeowners Insurance Companies will try to blame a large percentage of damage on storm surge or flood waters. This is intentional because most homeowners insurance polices do not cover damages caused by surface water/flood/storm surge. Another reason why insurance claims are often underpaid is because policyholders may not fully understand the terms of their insurance policy. Many policies have specific language and exclusions that can be difficult to interpret, and policyholders may not be aware of all the coverage they are entitled to. Additionally, insurance companies may also use contractors and adjusters who are not independent and may have an interest in undervaluing the damage. This can lead to an unfair estimate of the cost of repairs, which in turn leads to a lower settlement offer. ## WHEN CAN I DO SOMETHING ABOUT MY CLAIM? The insurance company may take a long time to process the claim, which can be frustrating for homeowners who are eager to start rebuilding. This delay can also lead to additional costs, such as temporary housing expenses, which may not be covered by the insurance policy. In Florida, generally Homeowners Insurance Companies have 90 days to adjust a claim. If they do not abide by this time frame then Florida law default the coverage decision to a denial. Homeowners cannot file a lawsuit until after they submit a Notice of Intent to Litigate under 627.70152 and give the carriers 10 business days to respond. ## HOW CAN I GET HELP WITH MY UNDERPAYMENT? This is a frustrating and confusing process. That’s why it is important to work with an attorney who can help you understand the terms of your policy and ensure that you receive the full compensation you are entitled to. An attorney can also help you to gather the necessary documentation for your claim, negotiate with your insurance company, and represent you in a dispute resolution process or in court if necessary. In conclusion, Hurricane Ian caused widespread damage to many homes and businesses, and insurance claims are being underpaid due to various reasons, from insurance companies trying to settle for as little as possible to policyholders not fully understanding the terms of their insurance policy. It is important to work with an attorney who can help you understand the terms of your policy, ensure that you receive the full compensation you are entitled to and represent you in a dispute resolution process if necessary. **There’s no cost or fee to hire us.** [**Schedule your complimentary discovery call today**](https://jtlegaloffices.com/contact/)**. Call us at** [**855-585-2997**](tel:8555852997). **Categories:** Hurricane Ian --- ### [WHY YOU DON’T KNOW THE WHOLE TRUTH ABOUT PROPERTY INSURANCE CLAIMS](https://jtlegaloffices.com/why-you-dont-know-the-whole-truth-about-property-insurance-claims/) **Published:** February 8, 2023 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [WHY FLORIDA TAKING AWAY YOUR RIGHT TO ATTORNEY’S FEES IS A BAD THING FOR HOMEOWNERS](https://jtlegaloffices.com/why-florida-taking-away-your-right-to-attorneys-fees-is-a-bad-thing-for-homeowners/) **Published:** February 1, 2023 **Author:** JT Law Firm **Content:** The recent passing of Florida Senate Bill 2A in Florida’s special session has sparked controversy and concern among homeowners in the state. This bill effectively takes away the statutory right for homeowners to receive attorney’s fees in disputes with their homeowners’ insurance company. Here are some reasons why this change is considered a bad thing for homeowners: ![WHY FLORIDA TAKING AWAY YOUR RIGHT TO ATTORNEY’S FEES IS A BAD THING FOR HOMEOWNERS](https://jtlegaloffices.com/wp-content/uploads/2023/02/WHY-FLORIDA-TAKING-AWAY-YOUR-RIGHT-TO-ATTORNEYS-FEES-IS-A-BAD-THING-FOR-HOMEOWNERS.jpg "WHY FLORIDA TAKING AWAY YOUR RIGHT TO ATTORNEY’S FEES IS A BAD THING FOR HOMEOWNERS")## THESE CHANGES WILL RESULT IN MORE OUT OF POCKET EXPENSES FOR THE HOMEOWNER Most attorneys take homeowners insurance claims on a contingency fee basis. This means the attorney wouldn’t get paid until they recovered on behalf of the homeowner. In personal injury and other fields, the attorney charges a percentage of the total settlement. This means the policy holder is going to be out of pocket a percentage of their recovery. Prior to Senate Bill 2A, policy holders were able to recover their attorney’s fees and costs if they prevailed in their lawsuit against the insurance company without offsetting their settlement award. However, Senate Bill 2A has gotten rid of almost a century old substantive right to homeowners. Without the possibility of receiving attorney’s fees, homeowners will now have to pay a percentage of their recovery to an attorney to represent them in disputes with their homeowners’ insurance companies. This means that even if the homeowner gets 100% of what they need to get the work done a certain percentage will have to go to the attorney and some of the award will be reduced by the deductible. With the amount policy holders already pay in premiums this is unfair that any amount they recover will still require them to come out of pocket. ## UNBALANCED LAW = UNBALANCED LITIGATION Senate Bill 2A will result in a complete imbalance of power. The removal of statutory attorney’s fees tilts the balance of power in favor of homeowners’ insurance companies, which already have significant resources at their disposal. This makes it less likely that individual homeowners will be able to effectively challenge decisions made by these companies. It is no secret these insurance companies have millions of dollars at their disposal. They can afford to pay whatever it takes to drag a case out or hire as many “experts” as they need. On the other hand, homeowners are typically not as financially fluid as these large multi-million dollar corporations. This means that the company can continue to drag out cases and litigation and wear the homeowner down without having to worry about the homeowner’s attorney’s fees going up. ## MANY WONT TRY TO FIGHT THEIR INSURANCE COMPANY ANYMORE Senate bill 2a will result in a reduced access to justice for homeowners. Without the possibility of receiving attorney’s fees, many homeowners may be discouraged from pursuing legal action when they have legitimate grievances against their homeowners’ associations. This could result in an increased number of disputes being resolved through informal, less transparent means. An average regular shingle roof claim ranges between $15,000-$25,000.00. On top of a large hurricane deductible, now homeowners will have to pay 33.3-40% of their recovery to an attorney. This could mean that on a small claim, like an average shingle roof, the costs of litigation outweigh the improper coverage decision by the carrier. ## SENATE BILL 2A ONLY HELPS INSURANCE COMPANIES Overall, the removal of statutory attorney’s fees for homeowners in disputes with their homeowners’ insurance company is a bad thing for several reasons. It increases costs for homeowners, tilts the balance of power in favor of insurance companies, reduces access to justice, and decreases the incentive for companies to settle disputes. Homeowners in Florida are encouraged to voice their concerns and call for a reconsideration of this bill in the regular legislative session. Has your Hurricane Ian, Hurricane Nicole or other property damage claim been denied or underpaid? [Schedule your complimentary consultation with us today!](https://jtlegaloffices.com/case-evaluation/) **Categories:** Property Damage --- ### [Does Homeowners insurance cover hurricane damage?](https://jtlegaloffices.com/does-homeowners-insurance-cover-hurricane-damage/) **Published:** January 11, 2023 **Author:** JT Law Firm **Content:** It depends on your insurance policy. Many policies are typically written to cover damage caused by hurricanes. Still, the insurance company may require a separate and usually higher hurricane deductible or a percentage of your coverage limit to be paid before they cover the rest of your repair or replacement costs. ![Does Homeowners insurance cover hurricane damage](https://jtlegaloffices.com/wp-content/uploads/2023/01/Does-Homeowners-insurance-cover-hurricane-damage-1.jpg "Does Homeowners insurance cover hurricane damage")## **What is a hurricane deductible?** A hurricane deductible is the amount of money a policyholder has to pay before their insurance company covers the damage to their property after a hurricane. Check your policy or ask your agent if you have a separate hurricane – or named storm – deductible in your policy. It’s common to see this language in policies for homes in high-risk, hurricane-prone areas like many parts of Florida. Hurricane deductibles are usually a fixed amount or percentage of your policy’s coverage limit. Along the east coast of the U.S., 19 states have a hurricane deductible in place, and the conditions that cause them to activate can vary greatly from state to state and even policy to policy. Some of these activation conditions can include The National Weather Service stating the storm is a hurricane, while others activate depending on the hurricane’s strength. ## **Does flooding from a hurricane count as hurricane damage?** Flood damage, regardless of its cause, is usually not covered by a standard homeowners insurance policy – even if the policy states it covers hurricane damage. There are some instances where you can add some form of flood insurance to your policy. Review your policy and see if you are already protected in the event of a flood. If you are not protected, then the best thing to do is to sign up for flood insurance to ensure you have the financial protection you need in the event of a disaster. ### **What happens if your insurance company denies or underpays you for your hurricane damage claim?** We see insurance companies deny valid hurricane damage claims often. Our team can still help you. [Schedule a consultation ](https://jtlegaloffices.com/contact/)or call us to discover your options [**855-585-2997**](tel:8555852997). **Categories:** Hurricane property damage claims, Property Damage --- ### [7 Things you need to know about hurricane insurance claims](https://jtlegaloffices.com/7-things-you-need-to-know-about-hurricane-insurance-claims/) **Published:** January 3, 2023 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Hurricane Nicole, Hurricane property damage claims --- ### [Over 130,000 Hurricane Ian claims have already been denied.](https://jtlegaloffices.com/over-130000-hurricane-ian-claims-have-already-been-denied/) **Published:** December 28, 2022 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian --- ### [Insurance company caught withholding evidence to justify its decision to deny the claim.](https://jtlegaloffices.com/insurance-company-caught-withholding-evidence-to-justify-its-decision-to-deny-the-claim/) **Published:** December 20, 2022 **Author:** JT Law Firm **Content:** **Categories:** Insurance Policy --- ### [Nothing proposed in the new bill is designed to lower your premium.](https://jtlegaloffices.com/nothing-proposed-in-the-new-bill-is-designed-to-lower-your-premium/) **Published:** December 15, 2022 **Author:** JT Law Firm **Content:** **Categories:** Insurance Policy, Property Damage --- ### [THE FLORIDA LEGISLATURE IS DESTROYING YOUR RIGHTS ](https://jtlegaloffices.com/the-florida-legislator-is-destroying-your-rights/) **Published:** December 11, 2022 **Author:** JT Law Firm **Content:** ![THE FLORIDALEGISLATURE ISDESTROYINGYOUR RIGHTS](https://jtlegaloffices.com/wp-content/uploads/2022/12/THE-FLORIDA0DLEGISLATURE-IS0DDESTROYING0DYOUR-RIGHTS.jpg "THE FLORIDALEGISLATURE ISDESTROYINGYOUR RIGHTS")## **Downloadable letter templates below. Protect your rights.** [ SB 2A Letter ](https://jtlegaloffices.com/wp-content/uploads/2022/12/SB-1A-Letter.docx) [ HB1A Letter ](https://jtlegaloffices.com/wp-content/uploads/2022/12/HB1A.docx)## **What Is Happening:** The Florida House and Senate is trying to protect insurance companies for the third straight special session. They are asking how to help insurance companies **not** how to help homeowners! This proposed law may even affect your recent Hurricane Ian and Hurricane Nicole claims that have caused so much damage and destruction throughout the State of Florida. The Florida Legislator will start another special session on December 12, 2022, regarding Homeowners Insurance. The last two special sessions have seen laws passed that **only benefit the insurance companies**. The insurance lobbyists are able to get their paid-for politicians to draft and submit these laws with little to no change. Every single special session, the legislator claims these laws will lower premiums and solve the issues. To date they have failed to do so. Instead, premiums have only increased, and insurance is becoming harder and harder to obtain! This Special Session Bill has been released and it will drive the final nail through the coffin for Florida Homeowners. As many of you know, when you hire an attorney to represent you in your homeowner claim (like you did with us), and if your case goes to lawsuit, the insurance company has to pay your attorney’s fees. This is a way to hold insurance companies accountable and protect consumers who otherwise could not afford an attorney. The proposed bill that the senate and house will be voting on next week **will get rid of this law** and require homeowners to pay a percentage of their claim to their attorneys. This will require homeowners to have to pay more out of pocket to fix their homes. ## **Why Is This Bad?** As an attorney who practices not only in Florida, but in states like New York where they don’t have laws to protect homeowners, insurance companies can run-over policyholders who have small claims. Small claims range from claims ranging anywhere from zero to $50,000.00. **As a result, thousands of policyholders won’t be able to obtain lawyers and will be stuck paying for a policy that they can never enforce.** Even if a homeowner can find a lawyer, the policyholder will have to pay more money out of pocket to fix their home if this law is passed. This makes no sense and is completely unfair as we all pay so much out of pocket for premiums as it is. And, as many of you have stated, premiums have only gone up, and by large amounts. These politicians are trying to New York your Florida. I have seen first-hand the devastating effect of removing all accountability for an insurance company. They are in the business to collect premiums and not pay claims. ## **Why Is The Legislator Doing This?** For years you have been hearing a false narrative: “Attorneys, public adjusters, roofers and contractors are the problem.” This is a narrative paid for by the insurance companies. CFO Jimmy Patronis was given a combined **$190,000.00 by Heritage and Slide Insurance** **companies for his last campaign**. He has yet to hold any insurance companies responsible. The truth is Attorneys, public adjusters, roofers, and contractors protect homeowners as many of you have seen first-hand. ## **What Can You Do?** This Special Session is starting Monday, December 12th, 2022 without any input from you as a homeowner and policyholder. With the current makeup of the Florida House and Senate, it is very likely this bill will pass if they vote with party lines. Letting both your Senator and Representative know you do not support this bill and will not support them if they vote for this bill is the only way we stand a chance in defeating this bill. Attached to this are two letters that you can edit and send to your senator or representative. You can find your senator here: You can find your representative here: ## **Downloadable letter templates below. Protect your rights.** [ SB 2A Letter ](https://jtlegaloffices.com/wp-content/uploads/2022/12/SB-1A-Letter.docx) [ HB1A Letter ](https://jtlegaloffices.com/wp-content/uploads/2022/12/HB1A.docx) **Categories:** Property Damage --- ### [How can you tell you have roof damage from Hurricane Ian?](https://jtlegaloffices.com/how-can-you-tell-you-have-roof-damage-from-hurricane-ian/) **Published:** December 5, 2022 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian --- ### [Do you have to wait until your claim is denied or underpaid to hire an attorney?](https://jtlegaloffices.com/do-you-have-to-wait-until-your-claim-is-denied-or-underpaid-to-hire-an-attorney/) **Published:** December 3, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [Hurricane Nicole Property Damage Claims ](https://jtlegaloffices.com/hurricane-nicole-property-damage-claims/) **Published:** November 23, 2022 **Author:** JT Law Firm **Content:** Nicole slammed into the East Coast of Florida as a category 1 hurricane on November 10, wreaking further havoc on cities already devasted by Hurricane Ian just a few weeks earlier. ![Hurricane Nicole Property Damage Claims](https://jtlegaloffices.com/wp-content/uploads/2022/11/Hurricane-Nicole-Property-Damage-Claims.jpg "Hurricane Nicole Property Damage Claims")## 7,000 property damage claims and counting As of November 14, over 7,200 claims were filed, of which 5,583 involved a residential damage claim. Hurricane Nicole poses a problem for homeowners because many of these residential claims could involve homes already damaged by Hurricane Ian, which made landfall on the West Coast of Florida on September 28 – just a few weeks before Nicole hit. When filing a damage claim, homeowners need to be able to discern between damage caused by Hurricane Ian and damage caused by Hurricane Nicole. Sustaining property damage can cause problems and affect the daily lives of those affected. Even though Hurricane Nicole was not considered a major hurricane, estimates still suggest a high property damage estimate of $72.4 million. This number may still go up as more property owners will be filing claims in the coming weeks and even months. Sometimes damage isn’t easily seen until it begins to affect other areas in the home, such as wind uplift damage in a roof. This type of damage can take years to “appear”, but its cause may be a storm or hurricane that passed years prior. One of the best things to do after a powerful storm passes over your home is to hire a professional to inspect your property so they can locate any hidden damage that may be present. Professionally inspecting your property promptly will help you file a claim during your filing window and before the damage worsens. ## Hurricane Nicole’s timing could not be worse. Hurricane Nicole hit Florida weeks after Ian – a category 4 hurricane devasted Florida – and Nicole’s arrival coincided with King Tide, multiplying the effects of the storm surge. ### What is King Tide? King Tide is a term used to describe exceptionally high tides. Take a look at these pictures of Downtown Fort Lauderdale, FL the day after Nicole hit the area. ![Hurricane Nicole causes flooding in Las Olas Fort Lauderdale](https://jtlegaloffices.com/wp-content/uploads/2022/11/Hurricane-Nicole-causes-flooding-in-Las-Olas-Fort-Lauderdale.jpg "Hurricane Nicole causes flooding in Las Olas Fort Lauderdale")![Car stranded in flood water after Hurricane Nicole](https://jtlegaloffices.com/wp-content/uploads/2022/11/Car-stranded-in-flood-water-after-Hurricane-Nicole.jpg "Car stranded in flood water after Hurricane Nicole")![Intracoastal waterway floods into Las Olas after Hurrciane Nicole](https://jtlegaloffices.com/wp-content/uploads/2022/11/Intracoastal-waterway-floods-into-Las-Olas-after-Hurrciane-Nicole.jpg "Intracoastal waterway floods into Las Olas after Hurrciane Nicole")## We’ll fight the insurance companies to get them to pay you for your property damage. If Hurricane Nicole or Ian damaged your home, contact us and we’ll fight the insurance companies on your behalf. You deserve to be properly compensated for your damage. **There’s no cost or fee to hire us.** Speak with one of our team members today about your case. We can help you at any stage of the property damage claim process. **Schedule your complimentary discovery call today. Call us at** [**855-585-2997**](tel:8555852997). **Categories:** Hurricane Nicole --- ### [JT Law Firm protects Florida homeowners from insurance companies’ intimidation tactics](https://jtlegaloffices.com/jt-law-firm-protects-florida-homeowners-from-insurance-companies-intimidation-tactics/) **Published:** November 15, 2022 **Author:** JT Law Firm **Content:** Insurance companies often use scare tactics to force homeowners to settle cases for less than what they deserve. One such tactic is to exploit an irrelevant Florida Statute where a homeowner, under certain conditions would be forced to pay the insurance company’s legal expenses, which commonly exceeds six figures or more at the conclusion of trial. This is what is commonly referred to as a proposal for settlement under Florida Statute §768.79. Florida Courts have long upheld the ability of an insurance carrier to use a proposal for settlement despite the clear legislative intent to provide a one-way fee statute for homeowners to be reimbursed their fees and costs for having to resort to litigation to enforce an insurance policy. ![Josh Brownlee from JT Law Firm stopped an insurance company's intimidation tactics](https://jtlegaloffices.com/wp-content/uploads/2022/11/Josh-Brownlee-from-JT-Law-Firm-stopped-an-insurance-companys-intimidation-tactics.jpg "Josh Brownlee from JT Law Firm stopped an insurance company's intimidation tactics")### In a ground breaking decision Attorney Joshua Brownlee successfully obtained an order deeming the use of a proposal for settlement now “Invalid” in a suit arising under a property insurance policy. ## What did JT Law Firm do? Josh Brownlee of JT LAW FIRM successfully argued in front of a Florida Court that based on recent pro-insurance legislation insurance companies could no longer serve Florida homeowners with “Proposal for Settlements.” As a result of Mr. Brownlee’s argument and motion the Court agreed and struck the “PFS.” ## What is a proposal for settlement? A proposal for settlement is a tool under Florida Statue 768.69 that allows a party to be reimbursed their attorney fees and costs if the receiving party declines the offer and does not obtain at least 75% of the offer in a final judgment. In short, if the receiving party losses at trial, they have to pay the offering party’s attorney fees and costs. It works as a “Sanction” against the party for not accepting what the legislature deemed a reasonable settlement offer. Insurance companies can utilize a PFS by making an offer to settle the case for much lower than the actual costs of the case. You read that right, the homeowner has to pay the multi-million dollar company’s attorneys fees because a homeowner disagreed with the carriers coverage decision ## How are insurance companies intimidating homeowners with a Proposal for settlement? The average homeowner cannot afford to cover legal expenses for an insurance company that can typically rack up six figures in attorney fees alone. Thus, the insurance companies use this statute to force homeowners to take much lower settlements then they would be entitled to if they were able to bring their case in front of a jury. Despite having an insurance policy in good standing, which on paper offers homeowners financial protection from high costs associated with costly repairs, homeowners are often put in situations where they are intimidated into accepting minimal compensation for their claims. When this happens, homeowners must go out of pocket for any costs outside their settlement amount with the insurance company. Based on JT Law Firm’s experience, 99% of insurance carriers proposals for settlement are between $250.00 and $500.00. This is supposed to be what the legislature intended as a “Good Faith Offer to Settle”. So, think about that for a moment, despite the size of your claim, if you don’t accept the “very generous” offer of $250.00 to go away and the homeowner losses at trial, the insured will be liable for paying the insurance companies legal fees. It’s without question a scare tactic improperly utilized by insurance companies and has been enforced by our Florida Courts for too long! ## **Here’s what Attorney Joshua Brownlee says about this major win against a large insurance company.** “My clients insurance carrier issued a proposal for settlement offering $250.00 inclusive of all fees and costs incurred to date to go away despite the claim being in excess of $30,000.00 worth of damage. I was able to argue successfully that a proposal for settlement is invalid given the long-standing history and legislative intent that has made clear insurance carriers are not afforded the right to collect attorney fees and costs from our Florida homeowners regardless of who wins at trial. The plain language in the operative statute does not permit insurance carriers the ability collect attorney fees and the utilization of a proposal for settlement is in clear conflict with the applicable law.” The Court agreed! “Our client is now protected from any liability of having to pay her insurance carrier’s attorney fees despite the outcome of a trial which was always the legislative intent.” ## Insurance companies are not on your side. They will do what they can to increase their profit while minimizing their financial commitment to you. In a previous article, we discussed how insurance companies are trying to villainize homeowners and attorneys. Most of the time, litigation is the only option. Litigation could be completely avoided if the insurance companies would simply honor valid claims. Why can’t insurance companies acknowledge these facts and have the decency to honor valid claims from the beginning without having to go to court? The reason seems obvious. Every time a homeowner accepts a proposal for settlement rather than risk the liability of a six figure judgment, the insurance company reduces its financial liability to that homeowner. It seems like insurance companies want to drag out claims as long as they can with the hopes of underpaying or denying as many claims as possible. ## If you have a valid claim, JT Law Firm will fight with all its resources to give you the compensation you deserve. Our team is available to take on your case and to aggressively fight on your behalf. There is no cost or fee to hire us. **Schedule your complimentary discovery call today. Call us at** [**855-585-2997**](tel:8555852997). If you are a law firm and would like to hire JT Law Firm to argue this motion for your firm reach out to us info@jtlegaloffices.com If you are a law firm and would like to hire JT Law Firm to argue this motion for your firm reach out to us info@jtlegaloffices.com **Categories:** Property Damage --- ### [Parts of Florida are under a Hurricane Watch.](https://jtlegaloffices.com/parts-of-florida-are-under-a-hurricane-watch/) **Published:** November 7, 2022 **Author:** JT Law Firm **Content:** Subtropical Storm Nicole is expected to continue strengthening and possibly reach category 1 status before it strikes the east coast of Florida. This storm formed east of the Bahamas, and its current path is expected to take it over Florida’s heavily populated east coast. ![Parts of Florida are under a hurricane watch](https://jtlegaloffices.com/wp-content/uploads/2022/11/Parts-of-Florida-are-under-a-hurricane-watch.jpg "Parts of Florida are under a hurricane watch")### **The time to prepare is now.** After sustaining property damage, the insurance company places the burden of proving how the damage occurred on your shoulders. Gather evidence and prepare in the event you sustain damage. ### **Review your insurance policy to ensure you have the coverage you need.** Read your policy to make sure you know what it says about what is included and excluded. If you need to make changes, contact your insurance company quickly. Insurance companies have cutoff periods where changes can no longer be made after a named storm forms in your area. ### **Take pictures and videos** Pictures of your property before a storm strikes help prove the condition of your property before the storm’s arrival. When the storm passes, take a new set of pictures or videos and compare them to the “before” images. Send this to your insurance company and/or your attorney. Don’t forget to take pictures of your belongings. This also helps you take inventory of your valuables. ### **Secure your home and gather essentials** Ensure you secure your home to help it withstand the storm, and don’t forget to prep a go bag. Fill the bag with medicine, food, water, and important documents. Make sure the bag is handy in the event you need to grab it quickly. ### **Bonus tip!** Have your roof professionally inspected after it’s been exposed to strong winds. Some types of roof damage are not always easy to spot, and they can cause a major leak in a few years. ## **At the first sign of trouble from the insurance company, contact JT Law Firm.** Insurance companies should do what is right and honor the policies they write, but this is not always the case. If your insurance company gives you trouble, speak with a JT Law Firm team member. **There is no cost or fee to hire us!** **Schedule your complimentary discovery call today. Call us at** [**855-585-2997**](tel:8555852997). **Categories:** Hurricane property damage claims, Subtropical Storm Nicole --- ### [$50,000 for your property damage is the average payout we get our clients on top of their initial offer.  ](https://jtlegaloffices.com/50000-for-your-property-damage-is-the-average-payout-we-get-our-clients-on-top-of-their-initial-offer/) **Published:** November 1, 2022 **Author:** JT Law Firm **Content:** You deserve to repair or replace the damaged areas of your property in a timely manner. However, the property damage claim process can be a long, tough ride. Our property damage claims litigation team was established to help property owners recover the financial compensation they deserve as soon as possible. If your property has sustained damage and that damage is covered under your policy, we can help you regardless of the state of your claim. If the insurance company denied or underpaid you, we can still help! ![The JT Law Firm Advantage](https://jtlegaloffices.com/wp-content/uploads/2022/11/The-JT-Law-Firm-Advantage-.jpg "The JT Law Firm Advantage")## **Client first approach – Always.** We take pride in helping our clients move forward. No one should be burdened by the consequences of a damaged property. Our property damage litigation team faces off against insurance companies daily. We know their tactics and the moves they’re planning next. Our team is aggressive and decisive with its strategies, making them a formidable force in and out of the courtroom. ## **Why are property damage claims often underpaid or denied?** Save yourself from stressing over your claim and choose an experienced attorney to help you recover maximum compensation. The insurance company will do whatever they can to quickly close your claim, even if that means denying or underpaying you. Insurance companies have highly trained representatives working for them with the goal of increasing profits year over year. This means denying, delaying, and underpaying claims. We have also caught insurance companies committing fraud on more than one occasion – especially after a massive catastrophic event like a hurricane. [Read more here. ](https://jtlegaloffices.com/i-was-told-to-put-that-in-my-report-the-insurance-companys-adjuster-was-instructed-to-make-a-false-statement-to-get-the-claim-denied/) ## **We can push your case forward.** Insurance companies quickly deny and underpay claims. This is when we step in on behalf of our clients. We conduct the necessary research and complete every process needed, all with the goal of building an unbeatable case so the insurance company will only have one option – to pay you maximum compensation for your claim. Our team is highly experienced in handling property damage cases – even previously denied claims. Even though insurance companies say they have your best interest in mind, their actions say something else. If you would like to get JT Law Firm on the case, [schedule a case evaluation today.](https://jtlegaloffices.com/case-evaluation/) **There’s no cost or fee unless we win.** **Categories:** Law firm, Property Damage --- ### [John Tolley on News 12: Tips to protect your property from a hurricane. ](https://jtlegaloffices.com/john-tolley-on-news-12-tips-to-protect-your-property-from-a-hurricane/) **Published:** October 29, 2022 **Author:** JT Law Firm **Content:** **Categories:** Hurricane property damage claims --- ### [Hurricane Ian Property Damage Claim | No cost or fee unless we win](https://jtlegaloffices.com/hurricane-ian-property-damage-claim-no-cost-or-fee-unless-we-win/) **Published:** September 30, 2022 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Property Damage --- ### [Hurricane Ian is predicted to cause billions in property damage in Florida. ](https://jtlegaloffices.com/hurricane-ian-is-predicted-to-cause-billions-in-property-damage-in-florida/) **Published:** September 28, 2022 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Property Damage --- ### [Hurricane Ian: Now is the time to gather evidence for a hurricane damage claim.  ](https://jtlegaloffices.com/hurricane-ian-now-is-the-time-to-gather-evidence-for-a-hurricane-damage-claim/) **Published:** September 27, 2022 **Author:** JT Law Firm **Content:** **Categories:** Hurricane Ian, Property Damage --- ### [Have you met Josh? Introducing our newest Partner, Joshua Brownlee!](https://jtlegaloffices.com/have-you-met-josh-introducing-our-newest-partner-joshua-brownlee/) **Published:** September 18, 2022 **Author:** JT Law Firm **Content:** **Categories:** Firm News, Property Damage --- ### [Immigration Attorney Monica Balyasny Recognized for Excellence!](https://jtlegaloffices.com/immigration-attorney-monica-balyasny-recognized-for-excellence/) **Published:** September 11, 2021 **Author:** JT Law Firm **Content:** **Categories:** Immigration Law, Recognition --- ### [Third Straight Jury Trial Win for John Tolley](https://jtlegaloffices.com/third-straight-jury-trial-win-for-john-tolley/) **Published:** December 15, 2021 **Author:** JT Law Firm **Content:** **Categories:** Property Damage, Recognition --- ### [JT Law firm is proud to announce both John Tolley and Monica Balyasny have been recognized as “Rising Stars” by Super Lawyers - an elite status awarded exclusively to only 2.5% of lawyers.](https://jtlegaloffices.com/jt-law-firm-is-proud-to-announce-both-john-tolley-and-monica-balyasny-have-been-recognized-as-rising-stars-by-super-lawyers-an-elite-status-awarded-exclusively-to-only-2-5-of-lawye/) **Published:** April 29, 2022 **Author:** JT Law Firm **Content:** **Categories:** Immigration Law, Property Damage, Recognition --- ### [Let my Experience work for you...](https://jtlegaloffices.com/let-my-experience-work-for-you/) **Published:** August 19, 2021 **Author:** JT Law Firm **Content:** **Categories:** Recognition --- ### [Attorney John Tolley Recognized As Lawyer of Distinction](https://jtlegaloffices.com/attorney-john-tolley-recognized-as-lawyer-of-distinction/) **Published:** August 31, 2021 **Author:** JT Law Firm **Content:** **Categories:** Recognition --- ### [Attorney John Tolley Recognized Yet Again!](https://jtlegaloffices.com/attorney-john-tolley-recognized-yet-again/) **Published:** August 30, 2021 **Author:** JT Law Firm **Content:** **Categories:** Recognition --- ### [Attorney John Tolley Recognized For Excellence!](https://jtlegaloffices.com/attorney-john-tolley-recognized-for-excellence/) **Published:** August 20, 2021 **Author:** JT Law Firm **Content:** **Categories:** Recognition --- ### [Founder John Tolley Radio Interview](https://jtlegaloffices.com/founder-john-tolley-radio-interview/) **Published:** August 16, 2021 **Author:** JT Law Firm **Content:** ![image-asset+(2)](https://jtlegaloffices.com/wp-content/uploads/2022/07/image-asset2.jpeg "image-asset+(2)")On July 1, 2020, our founder John Tolley was interviewed by Business Talk Radio by host Louis Michaelson. In his interview, Mr. Tolley covers several topics including JT Law Firm’s practice areas, his experience and some valuable information to consider when making your insurance claims. Click on the link below to hear more: [Click here for the radio interview](https://businesstalkradio1.com/john-tolley-07-01-20-litigation-law-firm/) **Categories:** Property Damage --- ### [Super Lawyers Recognizes John Tolley as a Rising Star!](https://jtlegaloffices.com/super-lawyers-recognizes-john-tolley-as-a-rising-star/) **Published:** September 22, 2021 **Author:** JT Law Firm **Content:** **Categories:** Recognition --- ### [Attorneys John Tolley & Joshua Brownlee secure Jury Verdict in Lee County, Florida](https://jtlegaloffices.com/attorneys-john-tolley-joshua-brownlee-secure-jury-verdict-in-lee-county-florida/) **Published:** September 30, 2021 **Author:** JT Law Firm **Content:** **Categories:** Property Damage, Recognition --- ### [Attorney John Tolley of JT Law Firm secured a Six Figure Plaintiff's jury Verdict in Broward County, Florida.](https://jtlegaloffices.com/attorney-john-tolley-of-jt-law-firm-secured-a-six-figure-plaintiffs-jury-verdict-in-broward-county-florida/) **Published:** October 1, 2021 **Author:** JT Law Firm **Content:** **Categories:** Property Damage, Recognition --- ### [Attorneys John Tolley & Joshua Brownlee Obtain Full Plaintiff’s Verdict!](https://jtlegaloffices.com/attorneys-john-tolley-joshua-brownlee-obtain-full-plaintiffs-verdict/) **Published:** October 18, 2021 **Author:** JT Law Firm **Content:** **Categories:** Property Damage, Recognition --- ### [John Tolley joins News 6 anchor Justin Warmoth on 'The Weekly'](https://jtlegaloffices.com/john-tolley-joins-news-6-anchor-justin-warmoth-on-the-weekly/) **Published:** May 20, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [Florida Hurricane Property Damage Attorney](https://jtlegaloffices.com/florida-hurricane-property-damage-attorney/) **Published:** July 1, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [The real reason insurance premiums are going up in Florida. Hint: you've been lied to.](https://jtlegaloffices.com/the-real-reason-insurance-premiums-are-going-up-in-florida-hint-youve-been-lied-to/) **Published:** July 8, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [Do insurance companies commit fraud? JT Law Firm seeks justice for property damage victims denied compensation.](https://jtlegaloffices.com/do-insurance-companies-commit-fraud-jt-law-firm-seeks-justice-for-property-damage-victims-denied-compensation/) **Published:** February 21, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [Insurance companies are directing field adjusters to alter their reports to deny claims. Is this insurance fraud or not?](https://jtlegaloffices.com/insurance-companies-are-directing-field-adjusters-to-alter-their-reports-to-deny-claims-is-this-insurance-fraud-or-not/) **Published:** February 28, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [What can you do if your claim was denied, delayed, or underpaid?](https://jtlegaloffices.com/what-can-you-do-if-your-claim-was-denied-delayed-or-underpaid/) **Published:** March 7, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### ["My 13-year career was ruined by this company". How an Insurance Company Wrongfully Denied Claims.](https://jtlegaloffices.com/my-13-year-career-was-ruined-by-this-company-how-an-insurance-company-wrongfully-denied-claims/) **Published:** March 17, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [Insurance companies hate us. We make them pay even when they don't want to.](https://jtlegaloffices.com/insurance-companies-hate-us-we-make-them-pay-even-when-they-dont-want-to/) **Published:** March 23, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [Residential Property Insurance Claims](https://jtlegaloffices.com/residential-property-insurance-claims/) **Published:** March 30, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [A Text Message The Insurance Companies Never Wanted You To See.](https://jtlegaloffices.com/a-text-message-the-insurance-companies-never-wanted-you-to-see/) **Published:** April 13, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [They knew every claim was going to be denied.](https://jtlegaloffices.com/they-knew-every-claim-was-going-to-be-denied/) **Published:** April 22, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### ["I was told to put that in my report." The insurance company’s adjuster was instructed to make a false statement to get the claim denied.](https://jtlegaloffices.com/i-was-told-to-put-that-in-my-report-the-insurance-companys-adjuster-was-instructed-to-make-a-false-statement-to-get-the-claim-denied/) **Published:** May 27, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [The insurance company ignored every attempt to avoid litigation.](https://jtlegaloffices.com/the-insurance-company-ignored-every-attempt-to-avoid-litigation/) **Published:** June 9, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [Tips for Hurricane Season – Attorney John Tolley shares with News Channel 6 of Orlando, FL.](https://jtlegaloffices.com/tips-for-hurricane-season-attorney-john-tolley-shares-with-news-channel-6-of-orlando-fl/) **Published:** June 21, 2022 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [HOW DOES THE RECENT RISE OF COVID-19 INFECTIONS EFFECT MY CASE?](https://jtlegaloffices.com/how-does-the-recent-rise-of-covid-19-infections-effect-my-case/) **Published:** August 17, 2021 **Author:** JT Law Firm **Content:** **Categories:** Property Damage --- ### [The Effects of COVID-19 On Student Visas](https://jtlegaloffices.com/the-effects-of-covid-19-on-student-visas/) **Published:** August 18, 2021 **Author:** JT Law Firm **Content:** **Categories:** Immigration Law --- ## Pages ### [Home](https://jtlegaloffices.com/) **Published:** July 18, 2021 **Author:** JT Law Firm **Content:** # Property damage Lawyers | Personal Injury | Immigration Law # You can’t Spell Justice without JT [our services](https://jtlegaloffices.com/services/)[Get in touch](https://jtlegaloffices.com/contact/) --- ### [Hurricane Ian Claim Lawyer](https://jtlegaloffices.com/hurricane-ian-claim-lawyer/) **Published:** October 13, 2022 **Author:** JT Law Firm **Content:** --- ### [Condominium Association Insurance Claim Attorneys](https://jtlegaloffices.com/condominium-association-insurance-claim-attorneys/) **Published:** March 22, 2023 **Author:** JT Law Firm **Content:** --- ### [Business interruption claim lawyers](https://jtlegaloffices.com/business-interruption-claim-lawyers/) **Published:** March 22, 2023 **Author:** JT Law Firm **Content:** --- ### [Letter of Protection (LOP)](https://jtlegaloffices.com/letter-of-protection-lop/) **Published:** December 7, 2023 **Author:** JT Law Firm **Content:** --- ### [Truck accident lawyers](https://jtlegaloffices.com/truck-accident-lawyers/) **Published:** March 22, 2023 **Author:** JT Law Firm **Content:** --- ### [Uber Car Accident Attorneys](https://jtlegaloffices.com/uber-car-accident-attorneys/) **Published:** March 22, 2023 **Author:** JT Law Firm **Content:** --- ### [Car Accident Lawyer](https://jtlegaloffices.com/car-accident-lawyer/) **Published:** February 26, 2026 **Author:** JT Law Firm **Content:** --- ### [Water Damage Property Claim Lawyer](https://jtlegaloffices.com/water-damage-property-claim-lawyer/) **Published:** March 22, 2023 **Author:** JT Law Firm **Content:** --- ### [Hail Damage Claims](https://jtlegaloffices.com/hail-damage-claims/) **Published:** November 28, 2023 **Author:** JT Law Firm **Content:** --- ### [JT Law Firm E-Signature Portal - Pennsylvania](https://jtlegaloffices.com/e-sign-pennsylvania/) **Published:** June 10, 2026 **Author:** JT Law Firm **Content:** --- ### [Pennsylvania Intake Form](https://jtlegaloffices.com/pennsylvania-intake-form/) **Published:** June 10, 2026 **Author:** JT Law Firm **Content:** --- ### [Pittsburgh, Pennsylvania Property Damage Law Firm](https://jtlegaloffices.com/property-insurance-claims/pittsburgh-pennsylvania-property-damage-law-firm/) **Published:** July 20, 2026 **Author:** JT Law Firm **Content:** --- ### [Dallas, Texas Law Firm](https://jtlegaloffices.com/property-insurance-claims/dallas-texas-law-firm/) **Published:** March 22, 2023 **Author:** JT Law Firm **Content:** --- ### [Brooklyn, New York Law Firm](https://jtlegaloffices.com/property-insurance-claims/brooklyn-new-york-law-firm/) **Published:** August 11, 2022 **Author:** JT Law Firm **Content:** --- ### [Hurricane Helene Property Damage Attorney](https://jtlegaloffices.com/hurricane-helene-property-damage-attorney/) **Published:** October 17, 2024 **Author:** JT Law Firm **Content:** --- ### [Hurricane Insurance Claim Attorneys](https://jtlegaloffices.com/hurricane-insurance-claim-attorneys/) **Published:** August 31, 2022 **Author:** JT Law Firm **Content:** --- ### [Hurricane Milton property damage attorney ](https://jtlegaloffices.com/hurricane-milton-property-damage-claims/) **Published:** October 10, 2024 **Author:** JT Law Firm **Content:** --- ### [How many signers - 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[Learn more](https://jtlegaloffices.com/property-insurance-claims/) ##### PERSONAL INJURY Our personal injury lawyers will fight for you after an accident. [Learn more](https://jtlegaloffices.com/personal-injury-lawyers/) ##### LITIGATION Formidable legal strategies in and our of the courtroom. [Learn more](https://jtlegaloffices.com/construction-litigation-law-firm/) ##### HurrIcane claims Hurricanes are massive storms capable of extensive property damage. [Learn more](https://jtlegaloffices.com/hurricane-ian-claim-lawyer/) ##### Complex legal issues JT Law Firm offers targeted solutions to complex legal matters. [Learn more](https://jtlegaloffices.com/contact/) ##### The JT Law Firm Advantage ## Why choose us Trust the law firm other lawyers trust with their cases. ###### Years of experience Our experienced team is no stranger to a court room. Not every case goes to court, but our team is prepared in the event your case does. ###### **Deep understanding of the law** Our deep understanding of the law enables us to handle cases far more complex than traditional cases other firms handle. ###### **Personal approach** Every case is a person and we always place people first. Our compassionate team is caring and communicative. --- ### [Our Legal Team](https://jtlegaloffices.com/our-legal-team/) **Published:** September 10, 2021 **Author:** JT Law Firm **Content:** --- ### [Enter to Win FAPIA 2025](https://jtlegaloffices.com/enter-to-win-fapia-2025/) **Published:** October 12, 2025 **Author:** JT Law Firm **Content:** --- ### [Contact](https://jtlegaloffices.com/contact/) **Published:** July 18, 2021 **Author:** JT Law Firm **Content:** --- ### [Orlando Florida Law Firm](https://jtlegaloffices.com/property-insurance-claims/orlando-florida-law-firm/) **Published:** August 7, 2022 **Author:** JT Law Firm **Content:** --- ### [Boca Raton Florida Law Firm](https://jtlegaloffices.com/property-insurance-claims/boca-raton-florida-law-firm/) **Published:** July 14, 2022 **Author:** JT Law Firm **Content:** --- ### [Privacy Policy](https://jtlegaloffices.com/privacy-policy-2/) **Published:** March 14, 2025 **Author:** JT Law Firm **Content:** --- ### [Car Accident Lawyers Helping You Claim What's Yours](https://jtlegaloffices.com/car-accident-lawyers-helping-you-claim-whats-yours/) **Published:** April 22, 2024 **Author:** JT Law Firm **Content:** --- ### [Attorney John Tolley](https://jtlegaloffices.com/attorney-john-tolley/) **Published:** May 6, 2021 **Author:** JT Law Firm **Content:** ![Super-Lawyers-Badge-John_tolley](https://jtlegaloffices.com/wp-content/uploads/2022/08/Super-Lawyers-Badge-John_tolley-133x100.png "Super-Lawyers-Badge-John_tolley")![NTL-top-100-member-b+(1) (1)](https://jtlegaloffices.com/wp-content/uploads/2022/08/NTL-top-100-member-b1-1-133x100.png "NTL-top-100-member-b+(1) (1)")![2021+Logo (1)](https://jtlegaloffices.com/wp-content/uploads/2022/08/2021Logo-1-133x100.png "2021+Logo (1)")![PLOA-gold](https://jtlegaloffices.com/wp-content/uploads/2022/08/PLOA-gold-133x100.png "PLOA-gold")![justia_john_tolley_bage_final](https://jtlegaloffices.com/wp-content/uploads/2022/08/justia_john_tolley_bage_final-133x100.png "justia_john_tolley_bage_final")![john_avvo_badge_clients_choice_award_2020](https://jtlegaloffices.com/wp-content/uploads/2022/08/john_avvo_badge_clients_choice_award_2020-133x100.png "john_avvo_badge_clients_choice_award_2020")![google_badge_v1](https://jtlegaloffices.com/wp-content/uploads/2022/08/google_badge_v1-133x100.png "google_badge_v1")![mybadge](https://jtlegaloffices.com/wp-content/uploads/2023/04/mybadge-120x100.png "mybadge")![John](https://jtlegaloffices.com/wp-content/uploads/2022/08/John.jpg "John")#### John Tolley (Partner) John Tolley is a former Prosecutor & Insurance Defense lawyer licensed in the States of Florida, New York, Pennsylvania, Texas, and New Jersey. Mr. Tolley has tried over 45 criminal and civil jury trials. He is the co-owner and a partner in JT Law Firm where he represents clients in disputes regarding residential and commercial property insurance claims and criminal defense. Mr. Tolley attended Nova Southeastern University, Shepard Broad College of Law, where he obtained his Juris Doctor in 2014. While in law school, Mr. Tolley was an active member of the Nova Trial Association and the Moot Court Society, representing his law school in several trials and appellate advocacy competitions nationwide. Prior to attending law school, he graduated from the University of Central Florida with a Bachelor of Science and Double Major in Legal Studies and Criminal Justice. Upon graduating with honors from law school, Mr. Tolley served as a prosecutor handling thousands of felony and misdemeanor cases. He tried numerous jury trials and was quickly promoted to a special unit prosecutor handling violent first-degree felonies including attempted murders. After serving as a prosecutor, Mr. Tolley entered private practice handling large caseloads as an attorney with a Civil Litigation Insurance Defense Firm. While practicing at this firm, he represented multiple AAA-rated insurance carriers including Citizens Property, ASI, ARK Royal, Prepared, Progressive, Security First, and Weston. Mr. Tolley continues to be actively involved in his community. Since 2014, he mentored and developed the next wave of Law graduates serving as a head coach for Nova Southeastern University Shepard Broad School of Law’s mock trial program. John Tolley was featured in [Yahoo](https://www.yahoo.com/now/other-law-firms-relying-jt-153000443.html), [Yahoo Finance,](https://finance.yahoo.com/finance/news/makes-jt-law-firm-one-173000171.html) [News Channel 6 Orlando](https://www.clickorlando.com/news/local/2022/04/10/property-insurance-attorney-offers-perspective-on-floridas-insurance-crisis/), [New York Wire](https://nywire.com/things-to-consider-when-looking-for-the-best-law-firm/), [Miami Wire](https://miamiwire.com/experience-and-expertise-jt-law-firm-emerges-as-leading-institution-in-the-legal-field/), [Sun Sentinel](https://www.sun-sentinel.com/local/broward/pembroke-pines/fl-sb-pines-perez-bond-hearing-20170427-story.html), [Market Insider](https://markets.businessinsider.com/news/stocks/what-makes-jt-law-firm-one-of-the-best-legal-services-provider-in-new-york-city-1030484183), [Chicago Journal](https://thechicagojournal.com/john-tolley-of-jt-law-firm-emerges-as-a-leading-attorney-in-the-legal-field/), [CBS Miami](https://miami.cbslocal.com/2022/04/18/ron-desantis-homeowners-insurance-special-session/) and [more](https://www.jtlegaloffices.com/in-the-news). #### Education NSU, Shepard Broad College of Law Juris Doctor, 2014 University of Central Florida B.A. Legal Studies & Criminal Justice, 2011 #### Areas of Practice - Residential Property Damage Insurance Claims - Commercial Property Damage Insurance Claims - Civil Litigation - Criminal Defense #### State Bar Admissions - State of Florida - State of New York - State of New Jersey - State of Pennsylvania - State of Texas #### Federal Bar Admissions - United States Eastern District of New York - United States Southern District of New York - United States Southern District of Florida - United States Middle District of Florida - United States District Court of New Jersey #### Awards - Super Lawyers, Rising Star 2021, 2022 - National Trial Lawyers, Top 100 2021 - National Order of the Barristers Excellence in Trial Advocacy, 2014 - Lawyers of Distinction Excellence in Insurance Law, 2020, 2021 - Premier Lawyer of America, 2020 - Premier Lawyers of America 40 Under 40, 2020 - Premier Lawyers of America Top 1% of Insurance Coverage, 2020 #### Activities & Affiliations - National Institute of Trial Advocacy, Faculty Member - Mock Trial Head Coach, NSU Shepard Broad College of Law - New York City Bar Association Member - New York State Bar Association Member - Florida Bar Young Lawyers, General Member - Broward County Bar Association, General Member - Brooklyn Cabinet member of the Jewish National Fund - Sabra member of Jewish National Fund - Former executive board member of JNF Futures Miami - Former executive board member of Broward County Bar Association Criminal Law --- ### [Accessibility Statement](https://jtlegaloffices.com/accessibility-statement/) **Published:** September 8, 2023 **Author:** JT Law Firm **Content:** --- ### [Case Evaluation](https://jtlegaloffices.com/case-evaluation/) **Published:** August 8, 2022 **Author:** JT Law Firm **Content:** ###### Award winning legal team # Book a case evaluation with us. ### All property Damage consultations are free. there is no cost or fee unless we win. Please select a day & time to book your consultation with JT Law Firm. We will get back to you regarding your appointment within 24 hours! Questions? Call Us at [(855) 585-2997](tel:+18555852997) --- ### [Upcoming Webinars](https://jtlegaloffices.com/upcoming-webinars/) **Published:** August 24, 2023 **Author:** JT Law Firm **Content:** --- ### [Testimonials](https://jtlegaloffices.com/law-firm-testimonials/) **Published:** September 17, 2018 **Author:** JT Law Firm **Content:** At JT Law Firm, we handle every case with the utmost care. Read what our clients have to say. --- ### [Attorney Joshua Brownlee](https://jtlegaloffices.com/attorney-joshua-brownlee/) **Published:** August 7, 2022 **Author:** JT Law Firm **Content:** ![logo-removebg-preview](https://jtlegaloffices.com/wp-content/uploads/2022/08/logo-removebg-preview-133x100.png "logo-removebg-preview")![Avvo Logo](https://jtlegaloffices.com/wp-content/uploads/2022/08/Avvo-Logo--150x100.jpg "Avvo Logo")![justia-lawyer-rating-595022058](https://jtlegaloffices.com/wp-content/uploads/2023/04/justia-lawyer-rating-595022058.svg "justia-lawyer-rating-595022058")![google_badge_v1](https://jtlegaloffices.com/wp-content/uploads/2022/08/google_badge_v1-133x100.png "google_badge_v1")![Josh](https://jtlegaloffices.com/wp-content/uploads/2022/08/Josh.jpg "Josh")#### Joshua Brownlee (Partner) Joshua Brownlee is a trial lawyer and partner of JT Law Firm. Mr. Brownlee has tried several jury trials in which he has obtained favorable verdicts in favor of his clients. Mr. Brownlee has represented hundreds of policy holders in both Commercial and Residential Property Insurance claims. Mr. Brownlee is a Partner at JT Law Firm where he serves clients, protect their interests, and helps them recover from their insurance company. Throughout his career Mr. Brownlee has earned over $2.5 million in settlements for his clients. Prior to attending law school, Mr. Brownlee graduated from Florida Atlantic University with a bachelor’s degree in Public Safety Administration while also becoming a certified paralegal. Mr. Brownlee used his education and paralegal certification to gain over five (5) years of experience working as a paralegal for a prominent Florida criminal defense attorney, commercial litigation firm handling both Federal and State legal matters concerning various forms of working capital financing opportunities including factoring, forfaiting and asset-based lending, bankruptcy and first-party property insurance. Mr. Brownlee continued working as a paralegal throughout law school where he attended night classes at Nova Southeastern University, Shepard Broad College of Law. Upon graduating law school, Mr. Brownlee worked for a South Florida Plaintiff’s First Party Property Insurance law firm and Vaccine Injury claims. Due to excelling in litigation and attention to detail he was quickly promoted to the head litigation attorney overseeing an entire team of attorneys. As a partner with JT Law Firm, Mr. Brownlee heads the First Party Property Insurance Litigation team representing his clients in depositions, hearings, mediations and other court proceedings. #### Education NSU, Shepard Broad College of Law Juris Doctor, 2020 Florida Atlantic University, Bachelors in Public Administration, 2016 #### Areas of Practice - Residential Property Damage Insurance Claims - Commercial Property Damage Insurance Claims #### State Bar Admissions - State of Florida #### Federal Bar Admissions - United States Middle District of Florida - United States Southern District of Florida #### Career Accomplishments - Over $2.5 Million in Settlements for his clients - Multiple jury verdicts in favor of his clients #### Awards - Lawyers of Distinction, Excellence in Insurance Law, 2022 --- ### [About](https://jtlegaloffices.com/about/) **Published:** July 18, 2021 **Author:** JT Law Firm **Content:** 25+ Years Of Combined Legal Experience About JT LAW FIRM ## Dedicated to your legal needs and delivering justice. Your legal concerns are our concerns. We are committed to excellence and to creating bold legal strategies. **It all starts with a case review. Our team is available for you.** Trust the law firm other lawyers trust with their cases Our legal team has gone to court and won more often than the average law firm. We take exceptional care when creating legal strategies We have a national reach with operations in four states Cases are mostly handled on a contingency fee basis We have the Human Resources to push your case forward ##### Meet our attorneys ## Experienced, compassionate, result-oriented --- ### [Construction Litigation Law Firm](https://jtlegaloffices.com/construction-litigation-law-firm/) **Published:** March 22, 2023 **Author:** JT Law Firm **Content:** [ (855) 585-2997 ](tel:8555852997)## Construction litigators with experience building strong cases. Construction Law encompasses a wide range of laws and legal matters pertaining to how construction companies operate and manage their projects. When a construction company finds itself in the middle of a legal issue or dispute, it can severely delay its projects, which can add up to expenses piling up. Schedule a consultation with a construction litigator. Call us at [(855) 585-2997](tel:+18555852997). ![Construction Litigation Lawyers](https://jtlegaloffices.com/wp-content/uploads/2023/03/Construction-Litigation-Lawyers.jpg "Construction Litigation Lawyers")## Construction Law Attorneys offer legal services and solutions. Complex legal matters require lawyers and law firms with extensive, relevant experience. Construction law is a niche legal practice area with cases the average lawyer will be left without the knowledge or experience to choose a path forward. Protect yourself and your business from unforeseen legal complications. Work with JT Law Firm; our team will be with you and fight for you throughout your legal proceedings. ## **What is general commercial litigation?** General commercial litigation is a term used to describe a variety of cases. For JT Law Firm, general commercial litigation involves handling a range of cases, including: - Dispute resolution - Contract disputes - Fraud - Breaches of contract - Liens - Arbitration - Litigation ## Construction law is a vast field of law. Our team has the experience to stand with you in and out of court. Working with a JT Law Firm litigator means working with a litigation team other law firms use to win cases. Our litigation team is trusted by law firms and individuals across the country, and they have built a reputation for being a formidable legal force. Speak with a construction litigation team member today. --- ### [Condominium Association Insurance Claim Attorneys Copy](https://jtlegaloffices.com/condominium-association-insurance-claim-attorneys-2/) **Published:** March 22, 2023 **Author:** JT Law Firm **Content:** [ (855) 585-2997 ](tel:8555852997)## HOA Insurance Claim Lawyers JT Law Firm represents Condominium and Homeowners Associations (HOAs) and individual condo unit owners involved in insurance-related disputes. ![Hurricane IAN 4 months later](https://jtlegaloffices.com/wp-content/uploads/2023/02/Hurricane-IAN-4-months-later.jpg "Hurricane IAN 4 months later")## **Condominium and Homeowners Associations (HOAs) Insurance Disputes** HOAs facing legal disputes need to work with a team of attorneys with the knowledge, processes, and resources needed to see their case through to the end. Not every law firm is equipped to handle the complex legal environment surrounding cases involving a Homeowners Association (HOA). JT Law Firm has the ability to help guide you through your legal situation and help keep your goals top of mind the entire time. If you are an HOA and you find yourself in need of hiring an attorney, JT Law Firm will firmly stand behind you to create formidable legal strategies that keep your goals in sight. [Contact JT Law Firm Today. ](https://jtlegaloffices.com/contact/) ## **Condo Owner Insurance Disputes** If you are a condo owner and you find yourself with an insurance-related claim, JT Law Firm can help. Whether you find yourself with a new, delayed, or even a denied claim – our team or attorneys will fight on your behalf to help deliver the compensation you are owed. There are usually at least two policies in play at any time when dealing with a damage claim involving a condo. 1. The insurance policy the individual condo owner has 2. The insurance policy managed by the condo association Each insurance policy covers different elements of the “condo unit” and “the building .”For example, the individual condo owner’s policy will typically cover just the unit itself and what is considered under the homeowner’s responsibility as well as the contents of the condo unit. While the condo association’s insurance coverage will extend to include the building’s “common elements” – including the roof, structural elements, common areas, and drywall. As a condo owner, you face a battle that may pin you against the condo association and your insurance company. If you are a condo owner and you find yourself in a legal dispute involving a property damage claim, contact JT Law Firm. **Condominium Association insurance claims are complex legal matters that require experienced attorneys with a deep understanding of the law to strategize and build up your case.** **Free Claim Review**. [Contact JT Law Firm Today.](https://jtlegaloffices.com/contact/) --- ### [Immigration Lawyers](https://jtlegaloffices.com/immigration-lawyers/) **Published:** August 7, 2022 **Author:** JT Law Firm **Content:** We help immigrants anywhere in the United States and worldwide with their immigration law concerns. Our immigration law legal division specializes in helping individuals, families, and investors overcome the legal hurdles involved in the immigration process. JT Law Firm is here to serve you, and we are 100% dedicated to providing you with the best legal representation. Our immigration law team focuses on solving various immigration concerns, including travel visas, asylum, green cards, U.S. Citizenship, and more. Whether you are fighting for yourself or for your family, JT Law Firm will stand beside you and fight for your case. Immigration laws change constantly, and staying up-to-date is crucial for any lawyer. Additionally, these laws and regulations are some of the most difficult to understand and navigate through. You need an immigration lawyer you can count on and one with experience delivering results. Get in touch with us by calling us, filling out the following short form, or if you’re ready to book a case evaluation then use the following button to book now. [ (855) 585-2997 ](tel:8555852997)[ Book an appointment now ](https://jtlegaloffices.com/case-evaluation/)Case Evaluation Your name(Required) Phone(Required) Email(Required) Type of case(Required)AsylumGreencardTravel VisaFamily Immigration VisaU.S. CitizenshipOther Case Details ## Asylum Asylum is defined as the protection granted by a nation to someone who has left their native country as a political refugee. A person may flee their home countries because they are afraid of being persecuted, imprisoned or worse. The United States offers protection to individuals who fear persecution based on: - Race - Ethnicity - Nationality - Religion - Social Membership - Political Opinion When applying for Asylum, the petitioner must be physically present in the United States. There are two types of Asylum: Affirmative and Defensive. To qualify for affirmative asylum, the petitioner must apply within one year of their last arrival. On the other hand, defensive asylum is for a petitioner who has been placed in removal proceedings before an immigration judge. #### Bringing Your Family To The United States When applying for asylum, a petitioner may include their spouse and children in their application. They may add them to the application at any time before a final decision has been made about their asylum status. According to the USCIS, children may only be included on an application if they are under the age of 21 and unmarried. Married children or children over the age of 21 may not be included on a parent’s asylum application. #### Permission to Work in the United States An asylum petitioner may apply for employment authorization 365 calendar days after they file a complete asylum application. They may not apply for permission to work (employment authorization) in the United States at the same time as applying for asylum. #### Obtaining Your Greencard Once asylum is granted, the petitioner must maintain one year of physical presence in the United States before applying for a green card. Each member of the family must submit a separate green card application. ## Obtaining Your Greencard To apply for a Green Card, you must be eligible under one of the following categories: - Green Card through Family - Green Card through Employment - Green Card as a Special Immigrant - Green Card through Refugee or Asylee Status - Green Card for Human Trafficking and Crime Victims - Green Cards for Victims of Abuse - Green Card through Other Categories - Green Card through Registry ## Travel Visa Generally, a citizen of a foreign country who wishes to enter the United States must first obtain a visa, either a nonimmigrant visa for a temporary stay, or an immigrant visa for permanent residence. Visitor visas are nonimmigrant visas for persons who want to enter the United States temporarily for business (visa category B-1), for tourism (visa category B-2), or for a combination of both purposes (B-1/B-2). #### Business Visa (B-1) - Consult with business associates - Attend a scientific, educational, professional, or business convention or conference - Settle an estate - Negotiate a contract #### Tourism Visa (B-2) - Tourism - Vacation (holiday) - Visit with friends or relatives - Medical treatment - Participation in social events hosted by fraternal, social, or service organizations - Participation by amateurs in musical, sports, or similar events or contests, if not being paid for participating - Enrollment in a short recreational course of study, not for credit toward a degree (for example, a two-day cooking class while on vacation) ## Family Immigration Visa Some people in the United States can petition for relatives or future relatives, such as a fiancé(e) or a prospective adopted child, to immigrate to the United States. Your status determines which relatives or future relatives may be eligible to immigrate. In order to sponsor a family member, you must be a: - U.S. citizen, or a - Green card holder (permanent resident) The Petition for Alien Relative will define the family relationship that exists between you and your relative. #### Immediate Relatives Immediate Relatives of U.S. citizens have unlimited availability for visas. Immediate Relatives are generally: - Your Spouse - Your unmarried child under 21 years of age; or - Your parent (if you are 21 years of age or older) #### Preference Categories Visas for some other categories of relatives are limited and there may be a much longer wait. Preference categories apply to family members who are not immediate relatives. A visa becomes available to a preference category based on the priority date which relates to the date the Petition for Alien Relative was filed. Preference categories are grouped generally as follows: - First preference: Unmarried, adult sons and daughters of U.S. citizens. - Second Preference: Spouses and unmarried children of green card holders and unmarried adult sons and daughters - Third Preference: Married sons and daughters of U.S. citizens - Fourth Preference: Brothers and sisters of adult U.S. citizens #### Obtaining Your Greencard If your relative is already in the United States, he or she may apply to adjust status to become a green card holder after a visa number becomes available. If your relative is outside of the United States, your petition will be sent to the National Visa Center (NVC). The NVC will forward your petition to the appropriate U.S. consulate when a visa becomes available for Consular Processing. Your family member’s preference category will determine how long he or she will have to wait for an immigrant visa number. #### Conditional Status If you have been married for less than two years when you receive your marriage-based green card, you must file to remove conditional status within 90 days of the expiration. You will need to demonstrate that you are in a legitimate marriage to do so. ## U.S. Citizenship Becoming a U.S. Citizen is a great accomplishment! The process of becoming a U.S. citizen is known as Naturalization. Naturalization is a process that allows foreign-born persons to obtain citizenship in the United States. Once granted American citizenship, foreign-born persons are granted the right to vote, the right to government jobs, the right to apply for resident status for family members and the freedom to travel with an American passport which provides entry without a visa into many countries. #### Eligibility There are many eligibility requirements a person must fulfill before they submit an application for naturalization: - Be at least 18 years of age old; - Show that you are a lawfully admitted permanent resident of the United States; - Have resided in the United States as a lawful permanent resident for at least five years; - Have been physically present in the United States for at least 30 months; - Be a person of good moral character; - Be able to speak, read, write and understand the English language; - Have and understanding of the fundamentals of the history, and of the principles and form of government, of the United States; - Demonstrate attachment to the principles of the Constitution and be well-disposed to the good order and happiness of the United States; and, - Be willing and able to take the Oath of Allegiance. #### Exemptions & Exceptions There are exceptions and modifications to the naturalization requirements that are available to those who qualify, such as: - English Language Exemptions - Medical Disability Exceptions to English and Civics - Continuous Residence Exceptions - Disability Accommodations - Oath of Allegiance ### Our immigration lawyers are here to help you live the American Dream. Immigration issues are complex and critical to the futures of those involved. Whether you are a business seeking immigrant and non-immigrant visas for your employees, an individual seeking naturalization, or a family that wants to remain together in the United States, our immigration attorneys can help. We are dedicated to the principles of accessibility and excellence, we are prepared to succeed for every client and are available for our clients any time they have questions. ## More on Immigration Law Immigration law encompasses a vast array of categories. If you have questions, we invite you to schedule a consultation with our immigration law team to discover how we can help. - #### Immediate relatives Immediate Relatives of U.S. citizens have unlimited availability for visas. Immediate Relatives are generally: \* Your Spouse \* Your unmarried child under 21 years of age; or \* Your parent (if you are 21 years of age or older) - #### Preference categories Visas for some other categories of relatives are limited and there may be a much longer wait. Preference categories apply to family members who are not immediate relatives. A visa becomes available to a preference category based on the priority date which relates to the date the Petition for Alien Relative was filed. Preference categories are grouped generally as follows: \* First preference: Unmarried, adult sons and daughters of U.S. citizens. \* Second Preference: Spouses and unmarried children of green card holders and unmarried adult sons and daughters \* Third Preference: Married sons and daughters of U.S. citizens \* Fourth Preference: Brothers and sisters of adult U.S. citizens - #### Conditional status If you have been married for less than two years when you receive your marriage-based green card, you must file to remove conditional status within 90 days of the expiration. You will need to demonstrate that you are in a legitimate marriage to do so. - #### Eligibility There are many eligibility requirements a person must fulfill before they submit an application for naturalization: \* Be at least 18 years of age old; \* Show that you are a lawfully admitted permanent resident of the United States; \* Have resided in the United States as a lawful permanent resident for at least five years; \* Have been physically present in the United States for at least 30 months; \* Be a person of good moral character; \* Be able to speak, read, write and understand the English language; \* Have and understanding of the fundamentals of the history, and of the principles and form of government, of the United States; \* Demonstrate attachment to the principles of the Constitution and be well-disposed to the good order and happiness of the United States; and, \* Be willing and able to take the Oath of Allegiance. - #### Exemptions & Exceptions There are exceptions and modifications to the naturalization requirements that are available to those who qualify, such as: \* English Language Exemptions \* Medical Disability Exceptions to English and Civics \* Continuous Residence Exceptions \* Disability Accommodations \* Oath of Allegiance ### Our own American Dream [Monica Balyasny](https://www.jtlawfirm.net/monica-balyasny) is our lead Immigration attorney. As the daughter of two immigrant parents, she grew up with a passion to help others start their American dream. Our office provides legal representation for your immigration needs. **Blog posts you may be interested in:** Get in touch with us by calling us, filling out the following short form, or if you’re ready to book a case evaluation then use the following button to book now. **Case Evaluation** Call us (855) 585-2997 [Book an appointment here.](https://jtlegaloffices.com/case-evaluation/) FAST AND CONFIDENTIAL Your name(Required) Phone(Required) Email(Required) Type of case(Required)AsylumGreencardTravel VisaFamily Immigration VisaU.S. CitizenshipOther Case Details --- ### [Sealing and Expungement Lawyers](https://jtlegaloffices.com/sealing-and-expungement-lawyers/) **Published:** August 31, 2022 **Author:** JT Law Firm **Content:** ### **Serving Florida, New York, New Jersey, and Pennsylvania.** Speak with one of our sealing and expungement lawyers and discover how we can help seal or expunge your records. [Schedule a consultation](https://jtlegaloffices.com/case-evaluation/) today or call us at [(855) 585-2997](tel:8555852997). Our expungement lawyers will help fight for your reputation. Get in touch with us by calling us, filling out the following short form, or if you’re ready to book a case evaluation then use the following button to book now. [ (855) 585-2997 ](tel:8555852997)[ Book an appointment now ](https://jtlegaloffices.com/case-evaluation/)Case Evaluation Your name(Required) Phone(Required) Email(Required) Type of case(Required)Arrested but not convictedArrested and convictedArrested by mistakeOther Case Details ## **Do you need to have a criminal record or case sealed or expunged?** ### Fight for your reputation. You deserve the opportunity to move forward. In many states – Florida included – if you are arrested, you have a criminal record, and that record will exist whether you’ve been convicted for a crime or not. Your criminal record will be visible to employers, prospective employers, and landlords. It will appear in background checks and may even be visible in online searches. As a general rule, misdemeanors are the only records that can be sealed or expunged. If you were arrested for a felony but not convicted – your criminal record may qualify to be sealed or expunged. There are several different processes involved in getting a record sealed or expunged, and the necessary steps vary depending on whether you were arrested and not convicted or arrested and convicted. ### **Arrested but not convicted** You may qualify to have your criminal record sealed or expunged in a case where you were not convicted. Some requirements may include not having a history of criminal records being sealed or expunged. ### **Arrested and convicted** Records involving a felony conviction are not eligible to be sealed or expunged. Misdemeanors are usually the only cases eligible to be sealed. For example, DUIs and DWIs are not eligible to be sealed. ### **Were you arrested by mistake?** Were you arrested due to a law enforcement mistake or error? If yes, you may qualify for an “administrative expungement”. ## **Who needs an expungement lawyer?** JT Law Firm will stand by you. Expungements exist to help you move forward. If you are a law-abiding citizen, you deserve the right not to be burdened by the baggage created by a past mistake. Our expungement lawyers will handle your expungement process to fight for your criminal records to be sealed or expunged. Once your case has been expunged or sealed, anyone performing a background check will not be able to see your past criminal record. This includes landlords, prospective employers, and anyone performing a background check. ## **JT Law Firm wants to fight for your fresh start.** As a law firm, our goal is to always be accessible to our clients and to deliver the best results possible. If you were arrested and have a criminal record that qualifies to be sealed or expunged, choose JT Law Firm. Our team will work around the clock to ensure you have a fair chance. ### **Steps to get your criminal record sealed or expunged** 1: Apply for a Certificate of Eligibility 2: Certified Disposition of Charges. Expungement cases require approval from a state attorney. 3: FDLE Processing 4: File a Petition with the Court ## **Speak with a criminal defense lawyer with extensive expungement experience.** Take the next step and speak with a JT Law Firm expungement lawyer today. **[Schedule a consultation](https://jtlegaloffices.com/case-evaluation/) today or call us at [(855) 585-2997](tel:8555852997).** **Case Evaluation** Call us (855) 585-2997 [Book an appointment here.](https://jtlegaloffices.com/case-evaluation/) Your name(Required) Phone(Required) Email(Required) Type of case(Required)Arrested but not convictedArrested and convictedArrested by mistakeOther Case Details --- ### [Case Results](https://jtlegaloffices.com/case-results/) **Published:** September 17, 2018 **Author:** JT Law Firm **Content:** Our results speak for themselves. JT Law Firm is one of the few law firms that have and will go to jury trial. When most people imagine a lawyer they picture that lawyer standing up in a courtroom making an argument to a jury. However, most lawyers have not and will never try a jury trial. JT Law Firm’s founding partner John Tolley has tried over 45 civil and criminal Jury Trials. Partner Monica Balyasny has also tried multiple jury and non-jury trials. As a result insurance companies know JT Law Firm’s reputation as trial lawyers and are more likely to settle. This reputation has helped JT Law Firm recover favorable resolutions for their clients. ### $174,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $26,845.67 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $8,200 ### $23,500.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $717.52 ### $29,200.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $35,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $47,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $38,500.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $23,600.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $29,200.00 Confidential Settlement Florida Homeowners Shingle Roof Claim. Insurance’s Orginal Offer: $0.00 ### $56,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $6,700 ### $33,500.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $27,500.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $640 ### $35,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $15,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0.00 ### $52,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $45,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0.00 ### $37,500.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $31,800.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0.00 ### $97,500.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $42,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0.00 ### $33,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0 ### $45,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0.00 ### $55,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: less than $400 ### $35,000.00 Confidential Settlement Homeowners Insurance Claim. Insurance originally offered: $0.00 ### $150,693.86 Jury Verdict Cosme Perez v. Universal Insurance Company. CACE17020188 Homeowners Roof, Interior and Water Mitigation Claim. Trial Counsel. Insurance initially paid: $4,468.27 ### $117,000.00 Confidential Settlement Florida Homeowners Hurricane Irma Tile Roof Claim. Insurance Denied claim: $0.00 ### $149,558.24 Jury Verdict Florida Homeowners Hurricane Irma Tile Roof Claim. SFR Services AAO Murray Taylor v. Security First Insurance Company 19CA001581. Trial Counsel. Insurance Denied claim: $0.00 ### $89,000.00 Confidential Settlement Florida Homeowners Tile Roof Claim. Insurance Denied claim: $0.00 ### $87,888.54 Jury Verdict Florida Homeowners Hurricane Irma Tile Roof Claim. SFR Services AAO Pamela and Charles Stirzel v. Heritage Property & Casualty Insurance Company. Trial Counsel. Insurance Denied claim: $0.00 ### $85,000.00 Confidential Settlement New York City Breach of Contract Claim. Company refused to pay: $0.00 ### $70,000.00 Confidential Settlement Florida Homeowners Shingle Roof Claim. Insurance Company Originally Only Paid: $5,000.00 ### $60,000.00 Confidential Settlement Florida Condo Insurance Damage Claim. Insurance Denied claim: $0.00 ### $56,000.00 Confidential Settlement Florida Homeowners Shingle Roof Claim. Insurance Denied claim: $0.00 ### $50,000.00 Confidential Settlement Florida Homeowners Tile Roof Hurricane Irma Claim. Insurance Denied claim: $0.00 ### $50,000.00 Confidential Settlement Florida Homeowners Roof Claim. Insurance Denied claim: $0.00 ### $35,000.00 Confidential Settlement New York Property Damage Claim. Insurance Company Orginally Only Paid: $1,337.87 ### $28,000.00 Confidential Settlement Florida Homeowners Shingle Roof Claim. Insurance Company Paid: $0.00 (Before JT Law Firm) ### $27,000.00 Confidential Settlement Florida Homeowners Shingle Roof Claim. Insurance Denied claim: $0.00 ### $25,000.00 Confidential Settlement Florida Homeowners Roof Claim. Insurance Denied claim: $0.00 ### $10,000.00 Confidential Settlement Florida Homeowners Kitchen Leak Claim. Insurance Denied claim: $0.00 ### $5,429.91 Non Jury Verdict 2006 Dodge Caravan Vehicle Property Damage Claim. CACE20011029 Ilya Mugerman v. Ospina Jefferson Et. Al. Insurance Denied claim: $0.00 ### $50,000.00 Settlement Florida Homeowners Shingle Roof Claim. Insurance’s Orginal Offer: $0.00 ### $55,000.00 Confidential Settlement Florida Homeowners Shingle Roof Claim. Insurance Orginally Paid: $7,602.37 ### $35,045.29 Pre-Suit Settlement Florida Homeowners Shingle Roof Claim. Insurance Orginally Paid: $8,199.62 --- ### [Criminal Defense](https://jtlegaloffices.com/criminal-defense/) **Published:** September 5, 2022 **Author:** JT Law Firm **Content:** ## Serving Florida, New York, New Jersey, and Pennsylvania. Speak with one of our criminal defense attorneys and discover how we can help. [Schedule a consultation today online](https://jtlegaloffices.com/case-evaluation/) or call us at [(855) 585-2997](tel:8555852997). Get in touch with us by calling us, filling out the following short form, or if you’re ready to book a case evaluation then use the following button to book now. [ (855) 585-2997 ](tel:8555852997)[ Book an appointment now ](https://jtlegaloffices.com/case-evaluation/)Case Evaluation Your name(Required) Phone(Required) Email(Required) Type of case(Required)Criminal Case DefenseExpungementsFelony DefenseAssault and BatteryRestraining OrdersDrug PossessionIdentity TheftDUIDWIMisdemeanor DefenseViolation of ProbationTheft & White Collar CrimesOther Case Details ## Criminal Defense Practice Areas ### **Our criminal defense team will fight for your rights.** JT Law Firm will aggressively defend you and fight for your rights. We handle a wide range of criminal law cases, and our team is well versed in dealing with the legalities surrounding a criminal case. We understand your freedom may be at stake, and we will fight for a reduction of the charges against you or for a dismissal of your case. Our criminal defense lawyers can help you with the following cases. - Criminal Case Defense - [Expungements ](https://jtlegaloffices.com/sealing-and-expungement-lawyers/) - Felony Defense - Assault and Battery - Restraining Orders - Drug Possession - Identity Theft - DUI - DWI - Misdemeanor Defense - Violation of Probation - Theft & White Collar Crimes ## Are you facing criminal charges? ### **Fight for your freedom and your reputation.** If you or someone you know is facing criminal charges, the criminal defense attorney you choose can shape your case moving forward. JT Law Firm has earned a reputation for delivering results when others could not. Our criminal defense team goes above and beyond to ensure our clients feel cared for. We are with you each step of the way to fight for your freedom and reputation. Having the right criminal defense attorney by your side can make or break your case. You need an attorney with a team and the resources required to see your case through to the end. Furthermore, you need an attorney with experience winning cases like yours; who will be invested in you and your case. ## **If you are facing criminal charges, choose JT Law Firm to defend and fight for you.** JT Law Firm does not get intimidated. When our attorneys walk into a courtroom, their reputation does all the talking initially. Our reputation speaks for itself, and it has been earned over the course of years of hard work delivering results. Take a look at what people say about us in our Google Reviews. **Speak with a criminal defense attorney today.** [Schedule a consultation today online](https://jtlegaloffices.com/case-evaluation/) or call us at [(855) 585-2997](tel:8555852997). Get in touch with us by calling us, filling out the following short form, or if you’re ready to book a case evaluation then use the following button to book now. **Case Evaluation** Call us (855) 585-2997 [Book an appointment here.](https://jtlegaloffices.com/case-evaluation/) Your name(Required) Phone(Required) Email(Required) Type of case(Required)Criminal Case DefenseExpungementsFelony DefenseAssault and BatteryRestraining OrdersDrug PossessionIdentity TheftDUIDWIMisdemeanor DefenseViolation of ProbationTheft & White Collar CrimesOther Case Details --- ### [Practice Areas](https://jtlegaloffices.com/practice-areas/) **Published:** September 17, 2018 **Author:** JT Law Firm **Content:** --- ### [In the news](https://jtlegaloffices.com/in-the-news/) **Published:** August 11, 2022 **Author:** JT Law Firm **Content:** ![yahoo](https://jtlegaloffices.com/wp-content/uploads/2022/08/yahoo.png "yahoo")![markets+insider](https://jtlegaloffices.com/wp-content/uploads/2022/08/marketsinsider.png "markets+insider")![JT Law Firm on News 6 Orlando](https://jtlegaloffices.com/wp-content/uploads/2022/08/JT-Law-Firm-on-News-6-Orlando-.jpg "JT Law Firm on News 6 Orlando")![newsmaxtv](https://jtlegaloffices.com/wp-content/uploads/2022/08/newsmaxtv.png "newsmaxtv")![RTVI](https://jtlegaloffices.com/wp-content/uploads/2022/08/RTVI.png "RTVI")[Property damage lawyer John Tolley offers tips for Florida homeowners during hurricane season](https://www.clickorlando.com/sponsored/2022/05/13/property-damage-lawyer-offers-tips-for-florida-homeowners-during-hurricane-season/) [John Tolley Discusses Insurance Increases on CBS Miami](https://miami.cbslocal.com/2022/04/18/ron-desantis-homeowners-insurance-special-session/) [Property Insurance Attorney John Tolley Offers Perspective on Florida’s Insurance Crisis](https://www.clickorlando.com/news/local/2022/04/10/property-insurance-attorney-offers-perspective-on-floridas-insurance-crisis/) [John Tolley Speaks on Homeowner’s Insurance Special Session in Florida ](https://www.wesh.com/article/florida-special-session-insurance/40071696) [Monica Balyasny Interviewed About NYC Vaccine Mandates](https://youtu.be/r9ErV-jAKrs) [John Tolley Interviewed by RTVI Regarding R. Kelly Convictions.](https://youtu.be/LI33cZ1QhYY) [John Tolley comments on DUI Manslaughter Case](https://www.youtube.com/watch?ab_channel=JTLawFirm&v=_4bB7WfWkXM) [RTVI Interviews John Tolley about Gabby Petito](https://youtu.be/7noxg0nyNVk) [RTVI Interviews John Tolley about Criminal Investigations.](https://youtu.be/agQf3QCQriU) [Attorney Monica Balyasny Interviewed by RTVI.](https://youtu.be/fGH8Z3qVF2k) [John Tolley Discusses Federal Prisoners Being Released During COVID](https://www.youtube.com/watch?ab_channel=JTLawFirm&v=SfRdDLWOAIU) [RTVI Interviews John Tolley Regarding NYC Illegal Air BnBs.](https://youtu.be/qQ-VKRjS0rY) [John Tolley Comments on the Robert Schuster DUI Manslaughter case](https://youtu.be/_4bB7WfWkXM) [John Tolley Discusses Supreme Court Firearms Case](https://youtu.be/KnUJuM9DImg) [John Tolley Interviewed by WRHU FM 88.7 Regarding the Derek Chauvin Verdict](https://youtu.be/ITDkdIqjIC8) ![New+Project+(2)](https://jtlegaloffices.com/wp-content/uploads/2022/08/NewProject2.jpeg "New+Project+(2)")[John Tolley live on Business Talk Radio](https://businesstalkradio1.com/john-tolley-07-01-20-litigation-law-firm/) [Ep 72 | John Tolley | Trial Attorney – Lets Litigate](https://www.youtube.com/watch?ab_channel=LawyerStories&t=212s&v=ONaCGFQ0eHQ) [John Tolley Discusses Accusations of Abuse at Babylon High School](https://www.youtube.com/watch?ab_channel=JTLawFirm&v=dzKGmUOsXt0) [Attorney Monica Balyasny Discusses Alec Baldwin Shooting](https://www.youtube.com/watch?ab_channel=JTLawFirm&v=sEXzTioRztg) [John Tolley Comments on the Kyle Rittenhouse Case](https://youtu.be/_6xYvRxHAME) [John Tolley Interviewed About Brian Laundrie Death](https://youtu.be/4hH1YOssfFQ) ## Publications featured JT Law Firm [ ![john+tolley+secures+$150000+jury+verdict](https://jtlegaloffices.com/wp-content/uploads/2022/08/johntolleysecures150000juryverdict.png "john+tolley+secures+$150000+jury+verdict") ](https://www.dailyadvent.com/news/c6ab49ef469858b0765b8735855f43fe-Attorney-John-Tolley-of-JT-Law-Firm-secured-Six-Figure-Plaintiffs-Jury-Verdict-in-Broward-County)[**JT Law Firm Secures $150,000 Jury Verdict**](https://www.dailyadvent.com/news/c6ab49ef469858b0765b8735855f43fe-Attorney-John-Tolley-of-JT-Law-Firm-secured-Six-Figure-Plaintiffs-Jury-Verdict-in-Broward-County) [ ![website+(6)](https://jtlegaloffices.com/wp-content/uploads/2022/08/website6.png "website+(6)") ](https://www.clickorlando.com/news/local/2022/04/10/property-insurance-attorney-offers-perspective-on-floridas-insurance-crisis/)**[Property Insurance Attorney John Tolley Offers Perspective on Florida’s Insurance Crisis](https://www.clickorlando.com/news/local/2022/04/10/property-insurance-attorney-offers-perspective-on-floridas-insurance-crisis/)** [ ![website+(1)+(1)](https://jtlegaloffices.com/wp-content/uploads/2022/08/website11.png "website+(1)+(1)") ](https://www.cbsnews.com/miami/news/ron-desantis-homeowners-insurance-special-session/)[**[John Tolley Interviewed by CBS Miami about Florida Homeowners Insurance](https://miami.cbslocal.com/2022/04/18/ron-desantis-homeowners-insurance-special-session/)**](https://www.cbsnews.com/miami/news/ron-desantis-homeowners-insurance-special-session/) [ ![1](https://jtlegaloffices.com/wp-content/uploads/2022/08/1.jpeg "1") ](https://www.orlandosentinel.com/politics/os-ne-property-insurance-market-unregulated-20220629-zw3fjlnxi5fineembiitpr3dyy-story.html?fbclid=IwAR1Blhzhzh2C9NaOTC3u0-L3jLCeivGy0tsXm0kkhVSSNW3w4bbpd-2yHwI)[**[John Tolley Featured on the Front Page of The Orlando Sentinel](https://www.orlandosentinel.com/politics/os-ne-property-insurance-market-unregulated-20220629-zw3fjlnxi5fineembiitpr3dyy-story.html?fbclid=IwAR1Blhzhzh2C9NaOTC3u0-L3jLCeivGy0tsXm0kkhVSSNW3w4bbpd-2yHwI)**](https://www.orlandosentinel.com/politics/os-ne-property-insurance-market-unregulated-20220629-zw3fjlnxi5fineembiitpr3dyy-story.html?fbclid=IwAR1Blhzhzh2C9NaOTC3u0-L3jLCeivGy0tsXm0kkhVSSNW3w4bbpd-2yHwI) [ ![2](https://jtlegaloffices.com/wp-content/uploads/2022/08/2.jpeg "2") ](https://www.clickorlando.com/sponsored/2022/05/31/3-things-to-know-before-were-in-peak-hurricane-season/)**[](https://www.clickorlando.com/sponsored/2022/05/31/3-things-to-know-before-were-in-peak-hurricane-season/)[News 6 Orlando Interview John Tolley on Being Prepared for Hurricane Season](https://www.clickorlando.com/sponsored/2022/05/31/3-things-to-know-before-were-in-peak-hurricane-season/)** [ ![3](https://jtlegaloffices.com/wp-content/uploads/2022/08/3.png "3") ](https://atlwire.com/how-john-tolley-and-monica-balyasny-have-been-making-a-positive-impact-through-jt-law-firm/)[**JT Law Firm was featured on the Atlanta Wire**](https://atlwire.com/how-john-tolley-and-monica-balyasny-have-been-making-a-positive-impact-through-jt-law-firm/) [ ![4](https://jtlegaloffices.com/wp-content/uploads/2022/08/4.png "4") ](https://finance.yahoo.com/finance/news/makes-jt-law-firm-one-173000171.html)[**JT Law Firm featured in Yahoo Finance**](https://finance.yahoo.com/finance/news/makes-jt-law-firm-one-173000171.html) [ ![5](https://jtlegaloffices.com/wp-content/uploads/2022/08/5.png "5") ](https://www.newsmax.com/platinum/trump-charges-weisselberg-politically-motivated/2021/07/01/id/1027114/)[**John Tolley quoted by Newsmax regarding Trump Indictments**](https://www.newsmax.com/platinum/trump-charges-weisselberg-politically-motivated/2021/07/01/id/1027114/) [ ![6](https://jtlegaloffices.com/wp-content/uploads/2022/08/6.png "6") ](https://nyweekly.com/business/john-tolley-a-leading-attorney-in-the-legal-field-and-the-founder-of-jt-law-firm/)[**JT Law Firm Featured in the New York Weekly**](https://nyweekly.com/business/john-tolley-a-leading-attorney-in-the-legal-field-and-the-founder-of-jt-law-firm/) [ ![1](https://jtlegaloffices.com/wp-content/uploads/2022/08/1.png "1") ](https://markets.businessinsider.com/news/stocks/what-makes-jt-law-firm-one-of-the-best-legal-services-provider-in-new-york-city-1030484183)[**JT Law Firm was featured in Markets Insider**](https://markets.businessinsider.com/news/stocks/what-makes-jt-law-firm-one-of-the-best-legal-services-provider-in-new-york-city-1030484183) [ ![2](https://jtlegaloffices.com/wp-content/uploads/2022/08/2.png "2") ](https://www.gov-relations.com/things-you-should-do-when-your-property-is-damaged)[**[John Tolley Interviewed by Gov. Relations](https://www.gov-relations.com/things-you-should-do-when-your-property-is-damaged)**](https://www.gov-relations.com/things-you-should-do-when-your-property-is-damaged) [ ![3](https://jtlegaloffices.com/wp-content/uploads/2022/08/3-1.png "3") ](https://miamiwire.com/experience-and-expertise-jt-law-firm-emerges-as-leading-institution-in-the-legal-field/)[**[JT Law Firm featured in the Miami Wire](https://miamiwire.com/experience-and-expertise-jt-law-firm-emerges-as-leading-institution-in-the-legal-field/)**](https://miamiwire.com/experience-and-expertise-jt-law-firm-emerges-as-leading-institution-in-the-legal-field/) [ ![4](https://jtlegaloffices.com/wp-content/uploads/2022/08/4-1.png "4") ](https://www.kivodaily.com/finance/business/why-you-might-need-an-immigration-attorney/)[**[Monica Balyasny of JT Law Firm was featured on Kivo Daily](https://www.kivodaily.com/finance/business/why-you-might-need-an-immigration-attorney/)**](https://www.kivodaily.com/finance/business/why-you-might-need-an-immigration-attorney/) [ ![5](https://jtlegaloffices.com/wp-content/uploads/2022/08/5-1.png "5") ](https://nywire.com/from-new-york-to-florida-jt-law-firm-has-you-covered/)[**JT Law Firm Featured in the New York Wire**](https://nywire.com/from-new-york-to-florida-jt-law-firm-has-you-covered/) [ ![6](https://jtlegaloffices.com/wp-content/uploads/2022/08/6-1.png "6") ](https://thriveglobal.com/stories/john-tolley-of-jt-law-firm-pa-you-need-to-be-a-problem-solver/)[**John Tolley Interviewed by Thrive Global**](https://thriveglobal.com/stories/john-tolley-of-jt-law-firm-pa-you-need-to-be-a-problem-solver/) [ ![1](https://jtlegaloffices.com/wp-content/uploads/2022/08/1-1.png "1") ](https://floridant.com/dfl/attorney-john-tolley-of-jt-law-firm-secures-jury-verdict-in-lee-county-floirda-floridant-10128065)[**John Tolley Secures Verdict in Lee County**](https://floridant.com/dfl/attorney-john-tolley-of-jt-law-firm-secures-jury-verdict-in-lee-county-floirda-floridant-10128065) [ ![2](https://jtlegaloffices.com/wp-content/uploads/2022/08/2-1.png "2") ](https://markets.businessinsider.com/news/stocks/what-makes-jt-law-firm-one-of-the-best-legal-services-provider-in-new-york-city-1030484183)[**JT Law Firm was featured in Markets Insider**](https://markets.businessinsider.com/news/stocks/what-makes-jt-law-firm-one-of-the-best-legal-services-provider-in-new-york-city-1030484183) [ ![3](https://jtlegaloffices.com/wp-content/uploads/2022/08/3-2.png "3") ](https://www.sun-sentinel.com/local/broward/pembroke-pines/fl-sb-pines-perez-bond-hearing-20170427-story.html)[**Former Prosecutor John Tolley quoted in the Sun Sentinel**](https://www.sun-sentinel.com/local/broward/pembroke-pines/fl-sb-pines-perez-bond-hearing-20170427-story.html) [ ![4](https://jtlegaloffices.com/wp-content/uploads/2022/08/4-2.png "4") ](https://www.theusnews.com/newsr/12022)[**Monica Balyasny of JT Law Firm featured in The US News**](https://www.theusnews.com/newsr/12022) [ ![5](https://jtlegaloffices.com/wp-content/uploads/2022/08/5-2.png "5") ](https://nywire.com/things-to-consider-when-looking-for-the-best-law-firm/)[**JT law Firm was featured on the New York Wire**](https://nywire.com/things-to-consider-when-looking-for-the-best-law-firm/) [ ![6](https://jtlegaloffices.com/wp-content/uploads/2022/08/6-2.png "6") ](https://lawire.com/what-to-consider-when-hiring-an-insurance-and-criminal-lawyer-like-john-tolley/)[**JT Law Firm featured on the Los Angeles Wire**](https://lawire.com/what-to-consider-when-hiring-an-insurance-and-criminal-lawyer-like-john-tolley/) [ ![1](https://jtlegaloffices.com/wp-content/uploads/2022/08/1-2.png "1") ](https://www.newsmax.com/platinum/andrew-cuomo-new-york-governor-sexual-harassment/2021/08/04/id/1031070/)[**Former Prosecutor John Tolley quoted by Newsmax**](https://www.newsmax.com/platinum/andrew-cuomo-new-york-governor-sexual-harassment/2021/08/04/id/1031070/) [ ![2](https://jtlegaloffices.com/wp-content/uploads/2022/08/2-2.png "2") ](https://miamiwire.com/how-jt-law-firm-is-becoming-a-leader-in-the-digital-era-of-law/)**[JT Law Firm Becoming Leader in Legal Digital Era](https://miamiwire.com/how-jt-law-firm-is-becoming-a-leader-in-the-digital-era-of-law/)** [ ![3](https://jtlegaloffices.com/wp-content/uploads/2022/08/3-3.png "3") ](https://thechicagojournal.com/john-tolley-of-jt-law-firm-emerges-as-a-leading-attorney-in-the-legal-field/)[**John Tolley of JT Law Firm featured on the Chicago Journal**](https://thechicagojournal.com/john-tolley-of-jt-law-firm-emerges-as-a-leading-attorney-in-the-legal-field/) [ ![4](https://jtlegaloffices.com/wp-content/uploads/2022/08/4-3.png "4") ](https://www.newsmax.com/platinum/january-6-committee-digital-data-probe-precedent/2021/10/27/id/1042130/)[**[John Tolley Discusses Jan 6 Committee Requesting Digital Data](https://www.newsmax.com/platinum/january-6-committee-digital-data-probe-precedent/2021/10/27/id/1042130/)**](https://www.newsmax.com/platinum/andrew-cuomo-new-york-governor-sexual-harassment/2021/08/04/id/1031070/) [ ![5](https://jtlegaloffices.com/wp-content/uploads/2022/08/5-3.png "5") ](https://www.newsmax.com/platinum/juror-msnbc-rittenhouse-trial/2021/11/22/id/1045626/)**[John Tolley Discusses Kyle Rittenhouse Trial](https://www.newsmax.com/platinum/juror-msnbc-rittenhouse-trial/2021/11/22/id/1045626/)** [ ![6](https://jtlegaloffices.com/wp-content/uploads/2022/08/6-3.png "6") ](https://www.newsmax.com/platinum/biden-covid-vaccine/2021/09/10/id/1035821/)[**[John Tolley featured in Newsmax Regarding Vaccine Mandates](https://www.newsmax.com/platinum/biden-covid-vaccine/2021/09/10/id/1035821/)**](https://thechicagojournal.com/john-tolley-of-jt-law-firm-emerges-as-a-leading-attorney-in-the-legal-field/) [ ![7](https://jtlegaloffices.com/wp-content/uploads/2022/08/7.png "7") ](https://medium.com/authority-magazine/top-lawyers-john-tolley-of-jt-law-firm-pa-on-the-5-things-you-need-to-become-a-top-lawyer-in-your-b89ab64a0820)[**John Tolley Interviewed by Authority Magazine as Top Lawyer**](https://medium.com/authority-magazine/top-lawyers-john-tolley-of-jt-law-firm-pa-on-the-5-things-you-need-to-become-a-top-lawyer-in-your-b89ab64a0820) [ ![8](https://jtlegaloffices.com/wp-content/uploads/2022/08/8.png "8") ](https://www.newsmax.com/platinum/alec-baldwin-rust-shooting-criminal-charges/2021/10/29/id/1042472/)**[Former Prosecutor John Tolley on Alec Baldwin Shooting](https://www.newsmax.com/platinum/alec-baldwin-rust-shooting-criminal-charges/2021/10/29/id/1042472/)** [ ![9](https://jtlegaloffices.com/wp-content/uploads/2022/08/9.png "9") ](https://www.yahoo.com/now/other-law-firms-relying-jt-153000443.html)**[Other Lawyers Retaining JT Law Firm Because of their Extensive Experience!](https://www.yahoo.com/now/other-law-firms-relying-jt-153000443.html)** --- ### [Property Insurance Claims Copy](https://jtlegaloffices.com/property-insurance-claims-2/) **Published:** August 8, 2022 **Author:** JT Law Firm **Content:** Has your insurance company denied your claim, underpaid you, or are they delaying processing? If you answered “yes” to any of the above, then we believe you should speak with a lawyer you can trust to help you. Our property damage claim lawyers know how insurance companies think, and we know how to beat them in their own game. We have been representing property owners in insurance disputes for years, and we’re ready to take on your case and see it all the way to court if we have to. If your insurance company is not properly compensating you for covered damage, we can help. We handle any and all residential property damage claims and commercial claims. Contact our property damage claims division today to explore the many ways we can help you. ## Residential Property Claims Your biggest investment is your home. Policy holders spend thousands of dollars a year to protect their asset with homeowners property insurance also known as property & casualty insurance coverage. However, many homeowners are shocked when they finally make an insurance claim and it is under paid or denied. Insurance policies are written so that the average policyholder either does not understand or will give up trying to comprehend it. Our attorneys can help you not only navigate the provisions of your policy but also take the necessary steps to ensure the insurance company properly applies the terms of your policy. Our experience coupled with our extensive network of professionals including contractors and engineers, can assist you in quantifying your damages quickly and accurately. JT Law Firm is one of the few law firms that actually has gone to jury trial. Lead Trial Attorney John Tolley has tried over 45 jury trials. This helps you in situations where your insurance company fails to properly or adequately adjust your claim. Whether a claim has been under paid or outright denied, our attorneys are here to help. ## Commercial Property Claims Policy holders spend thousands of dollars a year to protect their commercial properties with commercial property insurance also known as property & casualty insurance coverage. However, many property owners are shocked when they finally make an insurance claim and it is under paid or denied. Commercial Insurance policies are typically written in a way that that the average policyholder either does not understand it or causes them to give up trying to comprehend it. JT Law Firm is one of the few law firms that actually has gone to jury trial. Lead Trial Attorney John Tolley has tried over 45 jury trials. Moreover, the attorneys at JT Law Firm have handled multi-million dollar commercial claims. With this experience JT Law Firm can help insureds hold their insurance carriers accountable for bad faith practices and work to ensure our clients are compensated for the harm sustained as a result of improper investigations, misrepresentations of coverage, unsatisfactory settlement offers, unreasonable denials, or undue delay. Whether your claim has been under paid, denied or even delayed, our team is here to help. ## Hurricane Claims One of the most common, devastating and unpredictable types of claims facing policyholders are hurricanes. A number of different types of events that cause damage on your home or business combine into one event. The strong winds, rain, storm surge, and flooding can all cause damage to your residential or commercial property. Because many factors in a hurricane can be the basis for your property insurance claim complications can arise. Typically your claim will involve multiple policies including standard homeowners and flood insurance. During this process complications can arise when one insurance company attempts to shift responsibility to the other. JT Law Firm understands this complex process and can help you with your hurricane damage claim. ## Wind Damage Winds can cause severe damage to your property. Wind damage can also bring hidden damages that aren’t realized upon the initial assessment of your property. While most think windstorm claims involve flying debris, trees and fences falling down, and broken or missing shingles or tiles they can also cause uplift damage that unknowingly compromises your roofing system. Wind damage is typically covered in most homeowners insurance policies, however the insurance company can use ambiguous terms in their favor that may cause your claim to be denied. ## Water Damage One of the most common types of property insurance claims is for water damage. Most homeowners insurance policies do not cover certain water damage events. This could include flooding or sewage backup. However, there is still coverage for other water-related claims like a burst pipe or a one time sudden accidental discharge. These water damage insurance claims typically involve both dwelling and personal property coverage. We here at JT Law Firm have represented several policyholders with water damage insurance claims for both home and business owners. ## Fire and Smoke Fire and Smoke damage are some of the most serious and devastating property insurance claims. In addition to the property itself being damaged there are irreplaceable memories and heirlooms that are also lost. ## Hail Damage While many people believe hail is a rare weather event hail is actually possible within two nautical miles of the parent storm in any thunderstorm,. This means hail can occur practically anywhere. Additionally, hail damage is hard to notice and can be quite expensive to fix. Areas that are prone to severe weather and that have a flat or low slopped roof with asphalt shingles, are high-risk . However, most homeowners insurance policies cover damage from hail. Insurers often try to argue the damage suffered from a hail storm does not fit the conditions necessary for a claim. However, we here at JT Law Firm have helped several home or business property owners with their wrongfully underpaid or denied property insurance claims. ## Property damage lawyers who know how to win cases like yours. When your home, property, or business is damaged, it can cause you a lot of stress. On top of that, you have the added stress of trying to figure out how or if you should file a claim with your insurance company. Many people believe the insurance company will “do the right thing” especially since situations like these are the reason you have a policy in the first place. However, insurance companies will routinely wrongfully deny, underpay or delay payment or coverage determinations. If your insurance company is not properly compensating you for covered damage, we can help. We handle any and all residential property damage claims and commercial claims. Contact our property damage claims division today to explore the many ways we can help you. ## Property damage FAQ’s Your questions answered. Contact us if you want to discover more ways we can help. - #### What do I do if my property suffers damage? You need to file a claim with your insurance company ASAP. Typically an insurance policy requires you to promptly notify your insurance carrier. Additionally, take photographs of any damage to the interior and exterior of your home. Especially if you have to perform emergency or temporary repairs. Your policy will typically require you to perform mitigation to avoid further damage. Have a public adjuster, contractor, or damage expert assess the property. Contact an experienced property damage attorney if your insurer is wrongfully delaying, denying, or underpaying your claim. - #### Do I need to hire an attorney for my insurance claim? When an insurance company wrongfully delays, denies, or underpays your claim, it is recommended you consult with an experienced insurance claim attorney to review your options. In some cases, property insurance claims are handled promptly and fairly. These instances do not require an attorney, as insurance companies are honoring their obligations to the policyholder under the conditions of the policy. - #### How do I pay for my attorney? JT Law Firm work on a contingency fee basis, so there is no cost to you unless we win your case. In some states the law requires the insurance company to pay our fees. Regardless of the jurisdiction there will be no cost to you unless we win. - #### If my property damage claim has been denied can an attorney still help? Absolutely, yes! The law requires that insurance companies act in good faith and deal fairly with policyholders. Sometimes, however, an insurance company may act outside the scope of the policy or applicable law. In these situations, our courtroom experience allows us to hold insurance companies accountable for unreasonable tactics and bad faith insurance practices. - #### What type of claims could be covered by my insurance policy? Several types of damage can be covered by your policy that you might not be aware of. This could include damage caused by Hurricane Damage, Roof Leak, Water Damage, Plumbing Breaks, Fire and Smoke Damage, Vandalism, Hail, Theft, Mold and Wind Damage. We represent individuals, families, and business owners against insurance companies. We work to maximize the recovery of your insurance claims while taking the burden off of you. Insurance policy language and laws are complicated. As lawyers, we have years of education and training that help us understand these policies and laws. In addition to representing property owners, our attorneys have experience representing multiple AAA-rated insurance carriers, including Citizens Property, ASI, ARK Royal, Prepared, Progressive, Security First, and Weston. This prior experience gives JT Law Firm PA a special skill-set to effectively evaluate and negotiate your claim from a position that others cannot. Unlike the insurance companies, we’ve got you covered! - #### What are policy limits? The maximum amount of money an insurance company will pay for a covered claim is determined by your insurance coverage limit. There may also be time limits within which you have to file a claim for incurred damage(s). ### How We Can Help We represent individuals, families, and business owners against insurance companies. We work to maximize the recovery of your insurance claims while taking the burden off of you. Insurance policy language and laws are complicated. As lawyers, we have years of education and training that help us understand these policies and laws. In addition to representing property owners, our attorneys have experience representing multiple AAA-rated insurance carriers, including Citizens Property, ASI, ARK Royal, Prepared, Progressive, Security First, and Weston. This prior experience gives JT Law Firm PA a special skill-set to effectively evaluate and negotiate your claim from a position that others cannot. Unlike the insurance companies, we’ve got you covered! ### No Cost To You! The Law mandates that either the insurance company pays our fees once a judgment is entered in your favor, or we recover a contingency fee. At no cost to you, we will work to maximize your claim. **Bottom line: We don’t get paid unless you get paid.** **Blog posts you may be interested in:** Free Case Evaluation FAST AND CONFIDENTIAL Your name(Required) Phone(Required) Email(Required) Type of case(Required)Residential property claimCommercial property claimImmigration lawOther Case Details --- ### [Our locations](https://jtlegaloffices.com/our-locations/) **Published:** August 8, 2022 **Author:** JT Law Firm **Content:** We are conveniently located in South Florida, Central Florida, New York, and New Jersey. Our team is always ready to help you. Schedule a free case evaluation over the phone, via Zoom, or in-person. ## **New York Location** 395 Ave X 2nd Floor Brooklyn, NY 11223 #### Call: 718-650-5858 [ Read bio ](#)## **Boca Raton, FL Location** 433 Plaza Real Suite 275 Boca Raton, Fl 33432 #### Call: 954-996-9996 [ Read bio ](#)## **Orlando, FL Location** 111 North Orange Avenue Suite 800 Orlando, FL 32801 #### Call: 407-597-7777 [ Read bio ](#)## **New York Location** 395 Ave X 2nd Floor Brooklyn, NY 11223 #### Call: 718-650-5858 [ Read bio ](#)## **Boca Raton, FL Location** 433 Plaza Real Suite 275 Boca Raton, Fl 33432 #### Call: 954-996-9996 [ Read bio ](#)## **Orlando, FL Location** 111 North Orange Avenue Suite 800 Orlando, FL 32801 #### Call: 407-597-7777 [ Read bio ](#) --- ## Categories ### [Personal Injury](https://jtlegaloffices.com/category/personal-injury/) --- ### [Featured](https://jtlegaloffices.com/category/featured/) --- ### [Law firm](https://jtlegaloffices.com/category/law-firm/) --- ### [Car accident](https://jtlegaloffices.com/category/car-accident/) --- ### [Property Damage](https://jtlegaloffices.com/category/property-damage/) --- ### [Immigration Law](https://jtlegaloffices.com/category/immigration-law/) --- ### [Recognition](https://jtlegaloffices.com/category/recognition/) --- ### [Firm News](https://jtlegaloffices.com/category/firm-news/) --- ### [Hurricane Ian](https://jtlegaloffices.com/category/hurricane-ian/) --- ### [Hurricane property damage claims](https://jtlegaloffices.com/category/hurricane-property-damage-claims/) --- ### [Subtropical Storm Nicole](https://jtlegaloffices.com/category/subtropical-storm-nicole/) --- ### [Hurricane Nicole](https://jtlegaloffices.com/category/hurricane-nicole/) --- ### [Insurance Policy](https://jtlegaloffices.com/category/insurance-policy/) --- ### [Flood damage](https://jtlegaloffices.com/category/flood-damage/) --- ### [Water intrusion](https://jtlegaloffices.com/category/water-intrusion/) --- ### [Fort Lauderdale Flood](https://jtlegaloffices.com/category/fort-lauderdale-flood/) --- ### [Hail Damage](https://jtlegaloffices.com/category/hail-damage/) --- ### [Roof Damage](https://jtlegaloffices.com/category/roof-damage/) --- ### [Commercial Property Damage Claims](https://jtlegaloffices.com/category/commercial-property-damage-claims/) --- ### [Tips for Public Adjusters](https://jtlegaloffices.com/category/tips-for-public-adjusters/) --- ### [Idalia](https://jtlegaloffices.com/category/idalia/) --- ### [Hurricane Idalia](https://jtlegaloffices.com/category/hurricane-idalia/) --- ### [Tornado damage claims](https://jtlegaloffices.com/category/tornado-damage-claims/) --- ### [Storm Damage Claims](https://jtlegaloffices.com/category/storm-damage-claims/) --- ### [Flood Damage Claim](https://jtlegaloffices.com/category/flood-damage-claim/) --- ### [Hurricane Debby](https://jtlegaloffices.com/category/hurricane-debby/) --- ### [Hurricane Helene](https://jtlegaloffices.com/category/hurricane-helene/) --- ### [Hurricane Helene Property Damage Claims](https://jtlegaloffices.com/category/hurricane-helene-property-damage-claims/) --- ### [Hurricane Milton](https://jtlegaloffices.com/category/hurricane-milton/) --- ### [Hurricane Milton Property Damage Claims](https://jtlegaloffices.com/category/hurricane-milton-property-damage-claims/) --- ### [Property Damage Lawyer](https://jtlegaloffices.com/category/property-damage-lawyer/) --- ### [Property Damage Trial Attorney](https://jtlegaloffices.com/category/property-damage-trial-attorney/) --- ### [Hurricane Damage Lawyer](https://jtlegaloffices.com/category/hurricane-damage-lawyer/) --- ### [Roof Damage Lawyer](https://jtlegaloffices.com/category/roof-damage-lawyer/) --- ### [Water Damage Lawyer](https://jtlegaloffices.com/category/water-damage-lawyer/) --- ### [Pittsburgh Property Damage Lawyer](https://jtlegaloffices.com/category/pittsburgh-property-damage-lawyer/) --- ### [Wind Damage Claims](https://jtlegaloffices.com/category/wind-damage-claims/) --- ## Tags ### [sovereign immunity in Florida](https://jtlegaloffices.com/tag/sovereign-immunity-in-florida/) --- ### [Florida Statute 768.28](https://jtlegaloffices.com/tag/florida-statute-768-28/) --- ### [florida statute 948.06](https://jtlegaloffices.com/tag/florida-statute-948-06/) --- ### [car accident lawyer](https://jtlegaloffices.com/tag/car-accident-lawyer/) --- ### [lawyer for car accident](https://jtlegaloffices.com/tag/lawyer-for-car-accident/) --- ### [car accident lawyer in pompano beach](https://jtlegaloffices.com/tag/car-accident-lawyer-in-pompano-beach/) --- ### [probation violation pompano beach fl](https://jtlegaloffices.com/tag/probation-violation-pompano-beach-fl/) --- ### [violation of probation in pompano beach fl](https://jtlegaloffices.com/tag/violation-of-probation-in-pompano-beach-fl/) --- ### [suing the state of Florida](https://jtlegaloffices.com/tag/suing-the-state-of-florida/) ---