Florida Property Insurance Trial Attorneys
The Insurance Company Has Lawyers. You Should Too.
When your insurance company denies your claim, delays payment, or offers pennies on the dollar, they're betting you won't fight back. We make them regret that bet.
We represent policyholders. Never insurance companies.
Trial Results Against Major Insurers
We don't just threaten litigation. We try cases.
Your Property. Your Life. Damaged.
A hurricane tears through your roof. A pipe bursts in your walls. A fire destroys everything you've built. In those first moments, you're not thinking about insurance policies or coverage limits. You're thinking about your family, your business, your future.
You paid your premiums for years. You did everything right. Now it's time for your insurance company to hold up their end of the contract.
They Bet You Won't Fight Back.
The adjuster comes out, takes some photos, and disappears. Weeks pass. Then the letter arrives: "Claim Denied." Or worse: an offer that wouldn't cover half the damage.
This isn't a mistake. It's a business model. Insurance companies employ armies of adjusters, lawyers, and experts whose only job is to minimize what they pay you. They know most people will accept whatever they offer - or give up entirely.
Common Tactics We See:
- "Pre-existing damage" claims with no evidence
- Lowball estimates from biased adjusters
- Endless delays and "lost" paperwork
- Policy exclusions applied incorrectly
- Requests for unnecessary documentation
We Take Them to Task.
At Ruiz | Getman Law, we've spent our careers in the trenches of first-party property insurance litigation. We know every tactic these carriers use - because we've beaten them all.
We don't send form letters or make empty threats. We build cases. We take depositions. We hire experts. And when they refuse to pay what's owed, we try your case in front of a jury.
Justice. Recovery. Accountability.
When we win, you get more than a check. You get the satisfaction of knowing they couldn't get away with it. That an insurance company that bet against you lost that bet.
Start Your FightWhat Happened to Your Claim?
Select your situation below.
Underpaid Claims
They made an offer - but it won't cover the real cost to repair your property. Their adjusters work for them, not you.
Fight for full valueDenied Claims
Your valid claim was rejected outright. Pre-existing damage. Policy exclusions. Whatever excuse they invented.
Challenge the denialBad Faith
Unreasonable delays. Lost paperwork. Shifting explanations. When insurers act in bad faith, we hold them accountable.
Pursue bad faith damagesHurricane & Storm
Roof damage, wind damage, flood claims. Florida's storms destroy property - and insurers exploit the chaos.
Get storm claim helpWater & Pipe Damage
Burst pipes, plumbing failures, hidden leaks. These claims get denied more than almost any other type.
Fight water damage denialFire & Smoke
Residential and commercial fire losses. The damage is obvious - but insurers still find ways to deny or minimize.
Recover fire damagesCheck Your Claim Status
Answer a few quick questions to see if we can help with your insurance dispute.
Your Trial Attorneys
Experienced litigators who take cases to verdict.
Amy Ruiz
ShareholderAmy has spent over a decade representing property owners against insurance companies. She focuses exclusively on first-party property insurance claims, construction litigation, and negligence cases throughout Florida.
- J.D., magna cum laude, FIU College of Law
- B.A., cum laude, University of Miami
- Research Assistant to Dean R. Alex Acosta
Steven Getman
Managing MemberSteven has spent 17+ years in first-party property insurance litigation. His experience on both sides of insurance disputes gives him unique insight into the tactics carriers use - and how to defeat them in court.
- J.D., St. Thomas University School of Law
- B.S., Finance, Florida State University
- 17+ years insurance litigation experience
Your Fight Starts Here.
Don't let your insurance company get away with it. Contact us today for a free, confidential case review. No fees unless we win.
Our Promise
- Free case evaluation
- No fee unless we win
- Response within 24 hours
- Direct access to your attorneys