Homeowner’s Insurance Claim Denial Litigation

When your home suffers damage, your homeowner’s insurance policy is supposed to provide peace of mind and financial relief. Unfortunately, many South Florida homeowners are shocked to find their valid claims denied by their insurance company. At Chluski Law, we represent property owners throughout Boca Raton, Palm Beach County, Broward County, and the broader South Florida region in challenging denied insurance claims through litigation. As an experienced residential real estate attorney, Melissa Chluski understands the legal complexities of property damage, policy interpretation, and real estate value—and she works tirelessly to hold insurance companies accountable when they fail to honor their obligations.

Insurance companies often deny claims citing policy exclusions, alleged misrepresentations, late notice, or disputes over the cause or extent of the damage. These denials can be devastating, especially when a home has suffered serious structural damage or is uninhabitable. Our firm investigates every claim thoroughly, reviews the policy language in detail, and builds a compelling case to prove that your loss is covered. If negotiation fails, we are fully prepared to file a lawsuit and pursue your case in court. Litigation may be the only option when insurers act in bad faith, undervalue claims, or deny payment without a reasonable basis.

Chluski Law’s litigation services are not limited to homeowners. As a commercial real estate attorney, Melissa Chluski also represents business and investment property owners facing denied claims involving retail centers, office buildings, and multi-unit properties. We understand that delays in coverage can disrupt operations and lead to significant financial loss. Our firm takes a strategic, aggressive approach to litigation in order to recover the full value of your claim and minimize the impact on your business.

In many denial cases, disputes arise over pre-existing damage, coverage exclusions, or inaccuracies in the claim submission. Our legal team works closely with expert appraisers, contractors, and insurance adjusters to develop clear evidence that supports your claim. We also draw upon our in-house title service capabilities to address any title or ownership discrepancies that may complicate the litigation process. This integrated approach gives our clients the advantage of comprehensive legal insight grounded in real estate law.