A standard Florida homeowner policy covers a wide range of hazards, such as fire, theft, hailstorms, and several other types of property damage. In addition, the liability portion of the policy covers the insured for premises liability claims and certain types of off-premises negligence. When a homeowners’ insurance claim is filed, it is important to act quickly to assess the case fully and determine the most appropriate course of action toward securing a favorable resolution.

At Hightower, Stratton, Novigrod & Kantor, we have over 3 decades of experience handling homeowners’ insurance claims for insurers throughout the state of Florida. Our award winning attorneys have in-depth knowledge of insurance law and litigation, the numerous complexities involved in such cases, and what is needed to successfully defend our clients. We practice regularly in trial and appellate courts throughout the state, and we are familiar with the dynamics of each local venue. This gives our clients the confidence that whatever course of action is pursued, they will have skilled guidance and representation each step of the way.

Our attorneys skillfully handle a wide range of claims against a homeowners’ policy, including but not limited to:

• Accidental Firearms Discharge
• Defamation
• Negligent Acts Committed Outside the Home
• Property Damage and Theft
• Slip, Trip and Fall Accidents
• Staircase Accidents, Dog Bites and Other Animal Attacks
• Swimming Pool Accidents

Homeowners’ insurance is a highly technical area of the law, and it can be difficult to determine if a particular loss should be covered. For example, if the guest of a homeowner falls down the stairs, he/she might pursue a civil litigation claim; alleging that the stairs were uneven, the railing was shaky, etc. We put our experience to work to skillfully navigate the nuances of such cases, including leveraging our network of trusted professionals who can carefully examine the circumstances and identify all factors that will help bolster our defense.

In any insurance defense case, the best way to increase the chances of a positive outcome is to get there early. When a homeowners’ insurance claim arises, we go to work immediately to thoroughly prepare the case, sometimes even before the plaintiff is ready. This gives our clients maximum leverage and often leads to faster settlements for lower amounts.