Personal Injury Lawyer | Brevard County, FL

Offices in Titusville, Melbourne and Cocoa Village • 321-269-6833



Servicing Brevard County and all of Cocoa, Cocoa Beach, Indialantic, Melbourne, Merritt Island, Palm Bay, Rockledge, Sebastian, SunTree, Titusville & Viera.

Insurance disputes arise when valid claims are made against your insurance company, who either deny the claim entirely or pay part and deny part, and deprive the policyholders of the full value and protections offered under the insurance policy.  At our Law Offices, we handle a variety of insurance disputes, ranging from coverage denial in the commercial context to the failure of insurers to pay for hurricane damage, property damage, life insurance and auto claims.  Call our firm for a free consultation today. Many times, these cases can be handled on a contingent fee basis and your attorney's fees paid by the insurance company if you succeed.

What if My Insurance Company Denies my Existing Homeowners Coverage?

If an insurance company fails to provide coverage or benefits required by their policy, you will have certain rights and certain responsibilities. Those responsibilities will be defined in the policy. If you fail to comply with all of the requirements, you may be denied coverage, even if all premiums have been paid and the circumstances would otherwise be covered.

Insurance policies may also be controlled by state or federal law. It is sometimes possible to make the insurance company pay any attorney fees necessary to establish coverage. The insurance adjuster handling the claim for the insurance company knows the company's rights and responsibilities. A free consultation with an attorney will inform you of your rights and responsibilities.

Reasons your homeowners insurance may of been denied in Brevard County:

Homeowners insurance is necessary to protect your home and personal property in case of disaster. While coverage is required by mortgage lenders, homeowners also need insurance to repair or rebuild property, to cover personal liability and to replace stolen or damaged property. When homeowners apply for coverage, insurance companies look at several risk factors, and can deny coverage if the risk is too high.

Credit and Personal History

One reason for denial of homeowners insurance is based on the credit history of the applicant. Insurance companies have found that a credit report is a very good predictor of a risk that might be assoiated with insuring the applicant. They can establish the track record of paying bills on time and credit use by analyzing credit scores from the three credit bureaus. In addition to credit, insurance companies also look at the driving records and previously filed insurance claims to determine if the applicant is a good risk or not.

Location of the Property

Insurance companies can deny homeowners insurance if the house is located in a high-risk area for weather or crime. A home located in an area prone to tornadoes, hurricanes, windstorms or hail may mean an increased risk of property loss and more money to settle those claims. Properties in high-crime areas may be at a greater risk for claims related to theft and vandalism resulting in property loss or damage, according to Insurance Specialists. Even though location cannot be changed, homeowners can take preventive measures, including installing an alarm or hurricane shutters, to decrease their risk.

Condition of Property

The houses condition may be another reason why an insurance company denies coverage to the applicant. Types of materials used in the house construction, along with the shape of the materials and the structure, determine the homes potential for insurance claims. Property condition also includes the overall appearance of the property and whether it is untidy or not. Moreover, insurance companies look at other risks for claims, such as owning a certain breed of dog.

Age of Property

Some insurance companies are denying homeowners insurance coverage to owners of older homes because of the risks associated with antiquated electrical, plumbing and other systems, according to Insurance Specialists. If homeowners can update the outdated or problematic systems or materials, they may be able to satisfy the the insurance company and secure the policy.




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Established in 1976, the firm has four distinguished attorneys to represent you. The firm has been awarded the coveted "AV" rating from Martindale - Hubbell, the most authoritative legal rating source in the world. An "AV" rating is the highest rating available and is awarded only to select firms. Not all attorneys or firms are rated, and the "AV" rating signifies "legal abilities are of the very highest standard" and that "professional ethics are unquestioned."