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A house fire is devastating. Beyond the flames, families face smoke and soot contamination, structural damage, ruined belongings, and the stress of finding somewhere to live. Florida insurers know what your loss is worth, and many still try to pay you less than your policy promises. If you’re navigating a fire insurance claim in Florida and your carrier is disputing or delaying it, an insurance attorney can help you protect your rights. Suli Law Group holds them to their word.
• Structural damage
• Smoke damage
• Soot contamination
• Water damage from firefighting efforts
• Electrical, kitchen, and lightning fires
• Wildfire damage
• Lowballing structural rebuild costs
• Excessive depreciation on personal property
• Refusing to accept inventories or demanding receipts you can’t produce after a total loss
• Cutting off additional living expenses (ALE) prematurely
• Disputing the cause of the fire
• Blaming pre-existing conditions for unrelated damage
You must give notice within 1 year of the date of loss under Fla. Stat. § 627.70132. Insurers must acknowledge within 7 days and pay or deny within 60 days under Fla. Stat. § 627.70131. The statute of limitations for the lawsuit is 5 years from the date of loss under Fla. Stat. § 95.11(2)(e).
Founding attorney Laura Sulisufay is a former insurance defense attorney. She built her career defending insurance companies. Now, she uses that insider knowledge against them. Our team knows exactly how adjusters value claims, where they cut corners, and what evidence forces a fair offer.
Most policies cover structural damage from flames and heat, smoke infiltration, soot contamination, and water damage from firefighting efforts, which is often more extensive than the fire itself. Electrical, kitchen, lightning, and wildfire damage are generally covered perils, too.
Common tactics include lowballing rebuild costs, applying excessive depreciation to personal property, and cutting off your additional living expenses (ALE) too early. Insurers also dispute the cause of the fire or blame pre-existing conditions to reduce what they owe.
Insurers often demand documentation you simply can’t produce after a total loss, but that doesn’t end your claim. There are accepted ways to reconstruct a personal property inventory, and a carrier can’t use the impossible as an excuse to deny you.
You must give notice within one year of the date of loss under Fla. Stat. § 627.70132, and the insurer must acknowledge within 7 days and pay or deny within 60 days. The statute of limitations for the lawsuit is 5 years from the date of loss under Fla. Stat. § 95.11(2)(e).
Suli Law Group exists to protect injured people and policyholders at their most vulnerable moments — combining insider knowledge of the insurance industry, relentless preparation, and direct attorney access with the compassion, integrity, and genuine care every client deserves. We pursue justice and accountability with strategy, precision, and heart.
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