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Helping homeowners, condos and businesses deal with their insurer when disaster strikes

Most homes are covered by an HO3 all-risks and windstorm insurance while condominium associations carry property, general liability and windstorm policies. Depending if a home or condo complex is located on a flood plain, they may carry flood insurance on the properties, as well. Businesses are different. They typically carry general liability commercial insurance policies. As you know insurance policies are incredibly complex, causing property owners to become confused about coverage, benefits and exclusions. That's why it is important to contact an experienced insurance attorney when you have damage. We can help you understand your rights and advocate on your behalf to get you fairly paid so you can make the necessary repairs.

Insurance carriers have myriad ways to deny your claim or limit your benefits.
In the event that your home is damaged or destroyed by a hurricane or severe storm, fire, water or mold damage or other event, don't be surprised if the insurance company's first reaction is to respond in one of the following ways:

  • Claim that your damage is due to some pre-existing condition
  • State that your claim is not covered under the terms of your policy
  • Offer you a low settlement amount that does not cover your losses
  • Allege that your claim is fraudulent, or that you did not keep up with your premium payments
  • Fail to investigate or respond to your claim
  • Cancel your policy based on recently-discovered “errors” in your application
  • Assert your damage is under the deductible

You paid for insurance – Your insurance company should pay you for your loss

Water Damage

Water Damage

Your policy may cover water damage from sudden and accidental leaks from plumbing, appliance and roof leaks. These are the most common home insurance claims in Florida.

Fire Damage

Fire Damage

Most multi-peril insurance policies cover damage resulting from a fire including the home or building, improvements and covered personal or business property. Fires can be very destructive and may also cause smoke and water damage.

Mold Damage

Mold Damage

Mold damage is often caused by water leaks, high humidity or poor ventilation, resulting in mold growth on or behind the walls, fixtures and ceilings of a home or commercial property. Mold often begins to grow within 24 to 48 hours after water intrusion.

Storm Damage

Storm Damage

Windstorm insurance is designed to cover damages from high-wind events such as hurricane and tropical storm-force winds, tornados, hail and wind-driven rain.

Call or Fill Out Our Form

You will speak with an experienced claims consultant or insurance attorney who will take your information and advise you on the next steps.

1

We Get to Work

An appointment will be set up to inspect your property to assess and document the damage.

2

Rescue Your Home

A lawsuit is filed against the insurance company and the case is either settled or the it goes to trial. Once resolved, insurance company typically pays to repair damage and your attorney's fees.

3
Michael Biberman

Michael Biberman - Attorney/Founder

Michael Biberman is the founder and principal attorney of Insurance Litigation Group (ILG), a Florida-based law firm concentrating in first party insurance litigation on behalf of residential homeowners, commercial business owners, and restoration companies performing mitigation services under an assignment of benefits from the policyholder. Prior to starting ILG, Michael was a full time dedicated public adjuster.

Michael set out to start a career in insurance law because he had an unrelenting goal to address all the short comings that he personally experienced as a public adjuster, when he sent his files to the other insurance litigation firms. They just didn't understand the needs of the homeowner and corporate client like a public adjuster does and were therefore unable to service the clients, communicate with them effectively or provide them with their maximum recovery.

Michael Biberman

Visit Us Anytime

1500 NE 162nd Street
North Miami Beach, FL 33162

What our clients are saying...

"ILG is a very business-like company run by professionals with years of experience in the insurance industry."
- Rachel B.
"ILG is a very business-like company run by professionals with years of experience in the insurance industry."
- Rachel B.
"ILG is a very business-like company run by professionals with years of experience in the insurance industry."
- Rachel B.

When your insurance company won’t pay
WE GET YOU PAID WHAT YOU DESERVE
LET US HELP YOU SAVE YOUR HOME

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