2790 Sunset Point Road, Clearwater, FL 33759
Brevard County / Florida
Krapf Legal helps Brevard County property owners address denied, delayed and underpaid insurance claims. We review roof, hail, water and hurricane disputes in Melbourne, Palm Bay, Cocoa and other Space Coast communities using the policy and property-specific evidence.
Explore damage & claim guidanceProperty damage in your area
Understand the damage, the repairs it may involve, and the questions that can come up when an insurer reviews your claim.
Hail damage
NWS documented damage to these components during Brevard's March 2019 hail event. A current loss needs its own inspection, including any affected exterior feature that a roof-only estimate might leave unaddressed.
Coastal exposure
Brevard identifies coastal surge and inland flooding as separate local concerns. For an affected property, record building damage and water entry directly; proximity to the ocean alone cannot establish what happened or which coverage applies.
Rain intrusion
When water follows a storm-damaged opening, document the path to affected ceilings and rooms. Professional findings can help explain whether drying and material replacement are needed beyond the visible surface damage.
A Brevard claim can involve a home, condominium unit, rental or commercial property. Identify the named insured and the damaged property before comparing estimates. A unit owner’s policy and an association’s building policy may address different components; a landlord’s loss can differ from a tenant’s belongings.
Our attorneys review coverage decisions, incomplete repair allowances and unresolved requests for payment. Explain whether the insurer disputes the cause, the amount or a policy obligation. We can discuss evidence development and available legal options without assuming that every reported loss falls within the coverage purchased.
More about property damage insurance claimsBrevard County property damage is not limited to a hurricane hitting the beach. The Space Coast has documented hail damage as well as wind and water exposure affecting mainland and barrier-island properties. If an insurer disputes a roof loss, leaves interior repairs out, or offers less than the documented restoration work, Krapf Legal can review the damage evidence and the reasons behind the decision.
In March 2019, NWS documented hail damage to roofs, windows, and pool screen enclosures in central Brevard. Reports included mainland communities such as Cocoa and Rockledge and barrier-island locations. This is a historical example of why a local property inspection should consider the exterior as a whole, without assuming every mark came from hail.
For a current claim, ask the professional to distinguish impact damage from age, maintenance, or other causes. Keep close photographs and wider images showing where the marks occur. If the insurer accepts one component but rejects another, preserve the written explanation and the findings that support each claimed repair.
Roof damage insurance claim guidanceA broken window, damaged roof area, or other exterior opening can leave a Brevard home exposed to rain. The repair discussion should connect the exterior condition with the specific interior areas affected. Record the first signs of intrusion and any later changes, rather than relying only on the room's appearance after it has dried.
Ask the contractor to identify the affected layers and the work required to restore them. A ceiling finish, insulation, trim, and flooring are separate items in an estimate, even when they relate to the same entry point. Preserve drying logs and removal photographs so concealed conditions are not lost from the record once repairs begin.
Roof leak insurance claims in FloridaBrevard's emergency guidance recognizes both coastal and inland flooding. A coastal home can have wind-related exterior damage and rising water during the same event; an inland home can also have ground-level flooding from heavy rain. Neither setting lets an adjuster or owner determine the source of every damaged area from location alone.
Keep a clear distinction between rain entering the building and water rising from outside. Waterline photographs, observations from before cleanup, and inspection findings can help frame that assessment. Krapf Legal reviews disputed cause and coverage with the applicable policies, including where separate insurers have taken different positions on the same property.
Water damage coverage and claim guidance Wind vs. water damage in hurricane claimsFor a Brevard owner, an estimate may need to address several parts of the property: roof covering, an exterior opening, a damaged enclosure, and interior finishes. Identify which components are actually damaged and which the insurer has addressed. Do not assume that acceptance of a roof claim settles every remaining item.
Bring the inspection report and itemized proposal to a claim evaluation, along with policy documents and the insurer's correspondence. We look at the disputed scope, the evidence supporting it, and the reasoning for a denial or reduced payment. Where work was already performed, invoices and before-and-after photographs can help explain the expense without treating a contractor's total as automatic proof of coverage.
An insurer may attribute a Brevard roof condition to age or maintenance even when the owner noticed the leak after a storm. Preserve earlier repair records and current inspection findings. Ask the professional to explain the damaged components and how the observed condition supports the proposed cause and repair.
A nearby hail or hurricane report is useful background, but it does not resolve the roof’s condition. If the insurer allows only a limited repair, compare the same areas, materials and quantities with the contractor’s proposal. The written reasons for the difference are more informative than competing conclusions about a whole-roof replacement.
When a Melbourne Beach or Cocoa property cannot be used because of covered damage, keep records of the condition and increased living expenses. Photograph damaged possessions and prepare an inventory distinct from the building estimate. Those categories may have different limits, exclusions and settlement provisions.
Ask how depreciation and the applicable deductible affected the payment, and what further records are required for any additional amount. For a rental or business, identify the coverage supporting a claimed income loss. Neither displacement nor a canceled rental by itself establishes an entitlement under every policy.
Safe mitigation and a clear record should work together. Save photographs from before temporary roof protection, the installer’s observations and the invoice. If wet materials must be removed, ask for images during the work and a description of the affected layers. Do not delay necessary safety measures simply to preserve a damaged appearance.
Keep the insurer informed and retain proof of submissions and inspection requests. If additional damage becomes apparent, document the discovery and whether it concerns the same event. Reporting rules and any prior settlement should be reviewed before assuming an old claim can still be supplemented.
Start with the policy, claim number, loss date and the insurer’s latest written position. Add the contractor scope, relevant reports, payment record and a short list of unresolved issues. Include agreements with other professionals and any request for appraisal, a sworn statement or a release.
Krapf Legal serves Brevard County from Clearwater. Contact the team to discuss an appointment and how to share records. The evaluation can address whether legal representation is appropriate, what next step is supported, and the proposed fees and case expenses before you decide how to proceed.
Prepare for your evaluation
Start with your policy, claim number, and the insurer’s latest response. For your Brevard County property, these additional records may help:
Don’t delay contacting us because a record is missing. We can discuss what you have and what may be needed.
Common questions
Answers to questions about getting help with a Brevard County property insurance claim.
Yes. NWS recorded a March 2019 event affecting roofs, windows, and screen enclosures in parts of central Brevard. That record is context, not evidence of a new loss at your home. For your claim, retain a dated inspection explaining the actual damage and the basis for attributing it to the reported event.
Ask for a separate explanation of the enclosure decision. Review the applicable policy language and the evidence of damage to that component, rather than assuming it follows the roof determination. Bring photographs, the inspection findings, and an itemized repair estimate so we can evaluate the specific issue the insurer has raised.
Yes, the review can use photographs taken before protection, the installer's observations, receipts, and the remaining inspection evidence. Note when the temporary work was performed and whether further intrusion occurred. Keep the insurer informed about the work. Protecting the property and documenting the original condition should support each other, with safety taking priority.
We can evaluate the policy, insurer’s reason and supporting evidence from the building. Separate wind-related roof or opening damage from any rising water, and include earlier repairs. The date of the event and previous notices also matter to whether a further claim or legal step remains available.
Ask the professional to distinguish the observed conditions and explain which repair is attributed to the reported event. Disclose the roof’s known history and retain earlier inspections. An older roof can present several issues at once, and the policy review should address the supported damage rather than either side’s broad label.
Coverage must be checked for the particular enclosure, cause and materials. Retain photographs, an itemized scope and the insurer’s explanation of any exclusion or limit. A payment for the roof or dwelling does not automatically determine the enclosure claim.
You can generally report a claim yourself while following the policy requirements. Legal advice becomes useful when coverage, payment, deadlines or a proposed agreement are disputed or unclear. Do not delay truthful notice while deciding whether to hire counsel; preserve a copy of what you report.
Yes. Acceptance of coverage does not necessarily resolve the scope, price, depreciation or conditions for further payment. Compare the insurer’s written calculation with the documented repair needs, and identify any release or other agreement already accepted. The next step depends on the remaining issue and policy terms.
Krapf Legal offers a free case evaluation. If we agree to represent you, ask for the written fee agreement and an explanation of attorney fees, case expenses, and any amount you could owe if there is no recovery. A free evaluation does not mean every stage of a case is free, and the insurer is not automatically responsible for your legal bill.
For many Florida property claims, current law requires notice of a new or reopened claim within one year of the loss and a supplemental claim within 18 months. These are notice rules, not the deadline to sue. Exceptions and special rules, including some condominium loss assessments, can apply. Earlier losses and flood policies need separate analysis. Have the loss date, policy and prior notices reviewed promptly; ongoing negotiations do not automatically extend a deadline.
Follow the policy’s notice requirements promptly and truthfully; do not wait for a perfect repair estimate. Give the facts you know, identify uncertainty, and keep a copy of what you submit. Protect the property safely from further damage and retain receipts. A later inspection can clarify the scope, but missing a notice requirement can create a separate dispute.
It depends on what the payment and any accompanying agreement mean. An undisputed payment, a payment subject to further documentation, and a full settlement with a release can have different consequences. Have the check language, payment letter, releases and prior agreements reviewed before assuming you can pursue more money. Keep records of every amount received and how it was allocated.
Some disputes can be addressed through better documentation, another inspection or negotiation. Eligible claims may have a mediation option; a policy may also provide appraisal for certain valuation disagreements. Appraisal does not resolve every coverage question. Litigation may be appropriate when other steps do not resolve the dispute. Your policy, deadlines, evidence and goals determine which options warrant consideration.
Yes. A public adjuster can assist with presenting and adjusting a property claim within that profession’s permitted role. A lawyer can advise on legal rights, interpret disputed policy terms and represent you in litigation. If you already have an adjuster or contractor, bring the agreement and work completed so the legal review accounts for the existing arrangement.
No. A denial or a low payment can involve a genuine coverage or valuation dispute. Bad faith has additional legal requirements and cannot be assumed from the outcome of an inspection. Keep the complete communication history and ask counsel to evaluate the policy dispute and any potential claim-handling issues separately.
There is no dependable timeline without reviewing the claim. The insurer’s statutory handling duties, requests for information, inspections, negotiations and any court proceedings are different stages. The extent of disputed damage and the availability of evidence also matter. Ask what the next step requires, who is responsible for it, and how you will receive updates rather than relying on a promised settlement date.
You can generally report your own loss and provide claim information directly to the insurer without hiring an attorney. Follow notice and cooperation requirements, give accurate information and keep copies. Legal review becomes useful when coverage is denied, the payment does not address supported repairs, policy duties are disputed, or you are asked to sign a release. Do not wait for a consultation to give notice that is already due.
No. Section 95.11 generally gives five years from the date of loss for an action alleging breach of a property insurance contract. That does not extend shorter claim-notice or policy deadlines. The two-year negligence period often discussed after HB 837 concerns a different cause of action; it should not simply be substituted for the insurance-contract rule. Flood, bad-faith and insurer-insolvency matters can involve different rules. Have counsel check the policy, loss date, claim type and applicable law promptly rather than calculate a filing date from a general summary.
For the extracontractual property-insurer action covered by section 624.1551, the insured must establish a breach through an adverse court adjudication and a final judgment or decree against the insurer. Payment of an appraisal award alone does not satisfy that requirement. Section 624.155 also has formal notice and cure provisions, generally involving 60 days’ written notice, with specific timing rules. A DFS complaint is not the same filing. Counsel must evaluate the prerequisites, accrual and applicable deadline; there is no safe universal filing period measured simply from the denial date.
For claims subject to Florida’s current handling statute, an insurer generally must acknowledge a claim communication within seven calendar days and pay or deny a claim, or a portion of it, within 60 days after receiving notice. Exceptions, tolling, the type of policy and special rules for represented policyholders matter. These are claim-handling duties, not a promise that litigation finishes in 60 days. Keep the notice date, information requests and responses so an attorney can assess the applicable timeline.
Actual cash value generally accounts for depreciation, while replacement cost concerns replacing covered damaged property without that depreciation deduction. Your policy determines the applicable settlement method, limits, deductible and any conditions for recovering further amounts. Compare the estimate, depreciation calculation and payment explanation. A first check can be smaller than a supported replacement estimate without resolving every remaining coverage or scope issue.
A first-party claim seeks benefits from your own insurer under your policy. Homeowners, condominium unit-owner, renter, landlord, association and commercial contracts can insure different property and interests. For example, an HO-3 homeowners policy and an HO-6 unit-owner policy are not interchangeable. Bring the declarations and all endorsements, identify who owns the damaged items, and keep any separate flood policy with the file. The policy name alone does not determine coverage.
A claim for benefits and a potential bad-faith claim involve different requirements. A repair estimate above the limit does not itself create a right to extra-contractual damages. For a Florida property insurer, statutory prerequisites and the claim history must be evaluated before pursuing bad faith. Ask counsel to separate unpaid covered benefits from any other proposed remedy and explain the evidence required; additional recovery cannot be assumed from a denial or low offer.
Our physical office is in Clearwater, at 2790 Sunset Point Road. This page describes our Brevard County service area. Contact our team to arrange a free case evaluation and discuss how to share your claim documents.
Communities we serve
We serve property owners in these communities. Contact our Clearwater team to discuss the address and details of your property insurance dispute.
City pages: Melbourne property damage lawyers
Let’s move forward
Share what happened and where your claim stands. Our team can review your situation and discuss the next step.
727 777 7450How we can help
From property insurance disputes to personal injury, explore the ways Krapf Legal can help. Contact our Clearwater team to discuss your situation in Brevard County.
Representation for disagreements over water intrusion and restoration costs.
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Our attorneys, with their wealth of knowledge and experience, are dedicated to helping clients who have experienced property damage and health issues due to mold.
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Help with storm losses involving several damaged building components.
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Review of disputed wind and hail damage to roofing.
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Our lawyers are ready to help individuals and businesses affected by fire damage navigate the legal process and seek compensation for their losses.
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Our team at the firm is prepared to help individuals and businesses affected by bad faith navigate the legal process and seek compensation for their losses.
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Our attorneys help homeowners and businesses whose property suffered hail damage navigate insurance claims and pursue the compensation they deserve.
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Our personal-injury lawyers advocate for individuals hurt by another’s negligence, guiding them through every step of the legal process to recover fair compensation.
Explore this practiceOur firm / Client experiences
Client experiences with Krapf Legal’s Clearwater-based firm.
See all reviews on GoogleKristen O’Donnell was absolutely OUTSTANDING! She is an exceptional attorney—professional, knowledgeable, responsive, and truly dedicated to her clients. She went above and beyond every step of the way and made the entire process so much easier. KRISTEN IS THE TIGER ! SHE WILL FIGHT FOR YOU AS YOU WERE HER OWN BLOOD! I highly recommend Kristen O’Donnell to anyone looking for an outstanding attorney. Five stars all the way!
This firm was professional, responsive and handled my situation well. I also feel their billing was reasonable. Robert Studor and his staff were great to work with.
Absolutely phenomenal work and effort. They worked to help us fight our insurance company that refused to pay us what was owed, and got us a fair settlement. Hopefully I will never need a lawyer again but if I did, this is who I would call.
Robert was attentive and updated us along the route. Any questions I texted were answered quickly. We’re ver satisfied.
I luckily chose Keller Fisher of Krapf Legal for my roof damage claim. He was smart, responsive and knew what needed to be done. I would highly suggest working with Keller.
If you're looking for a top-notch property insurance attorney, I can't recommend Krapf Legal highly enough. From the very beginning, they were incredibly responsive, knowledgeable, and genuinely committed to helping me navigate a complicated insurance claim. They took the time to explain everything clearly, fought hard for my rights, and ultimately secured a resolution that I never could have achieved on my own. Their professionalism and dedication were clear at every step, and I always felt like a priority. If you're dealing with a denied or underpaid insurance claim, do yourself a favor and call Krapf Legal. They know the law, they know the system, and most importantly—they get results.
Alex Sorley at Krapf Legal is amazing! After Hurricane Milton, I was overwhelmed with my insurance claim, but Alex took over, handled every detail, kept me updated, and got me a far better outcome than I could have expected! I’m so grateful for the hard work he and his team put in to get my case settled. I highly recommend him to all of my friends & family.
Kristen and her team were fantastic She took the time to listen to our concerns over our claim from hurricane Ian and provided us with solid advice on how to proceed. She responded to our request and in the end got us the settlement we were looking for to repair the damage that it caused. You could tell through the multiple conversations that she really looks out for her clients interests I would highly recommend her and Kraph Legal for any insurance issues that you may have They are definitely well worth money spent Extremely Satisfied
A very well run law firm if you have a gripe with your homeowners insurance.
After our insurance company dismissed our hurricane-caused roof damage/leak claim as "age-related deterioration/wear and tear". we were referred to Krapf Legal. The Krapf Legal team were exceptional throughout the year-long battle to ensure we were compensated for our significant losses. Our attorney, Tim Delaney, was always reachable, professional and courteous - and he negotiated the exact settlement we were looking for to cover 100% of our roof replacement.
Dear family and friends, I highly recommend Mike Keeler from The Claim Squad and Geoffrey Schuessler from Krapf Legal for their exceptional service in handling my homeowner's insurance claim. Their professionalism and expertise were remarkable, especially considering the new laws that have become increasingly burdensome to homeowners since January 1st, 2023. Throughout the process, both Mr. Keeler and Mr. Schuessler demonstrated honesty and forthrightness, which I found commendable. I am grateful for their efforts in resolving my insurance claim and impressed by their dedication to their work and clients. If you need assistance with an insurance claim, I highly recommend the services of Mr. Keeler and Mr. Schuessler. Their expertise and professionalism are second to none, and I am confident that they will provide exceptional service to all. Thank you for your attention to this matter. Best regards, Taylor Taylor
In a time where we had lost hope, Keller Fisher from Krapf Legal stepped in and led us to a settlement that would allow my widowed mother in law to get the repairs that were much needed on her roof. We were denied the claim twice. We called Krapf Legal and within no time they had begun a claim with my insurance company and got it settled. Keller was professional, courteous, prompt, and available with any questions or concerns we had. I'd recommend this gentleman to anyone who is experiencing issues with their insurance company. I can't thank Keller enough for all the hard work he and his team put forth in to getting this case settled.
great staff
(Translated by Google) They are doing an excellent job and I am especially grateful to Felipe who is very kind and attentive to everything. (Original) Ellos están haciendo un excelente trabajo y especialmente muy agradecida con Felipe quien es muy amable y está al pendiente de todo.
I had a great experience using Krapf Legal to help me settle my home insurance claim. I had provided my insurance company with everything they requested, but their offer was way less than the estimates I had to fix the damage to my house I had been waiting for almost a year for the insurance company to respond to my claim. I called Grant and he said he would take care of it, and he did! The team at Krapf legal was able to quickly settle my claim.
(Translated by Google) Kraft Legal has been working and continues to work with excellent results in addressing the errors and injustices I have experienced and am currently experiencing. I thank God for having found this dedicated law firm, in whom I have complete confidence. I must especially express my gratitude to Felipe Perea, who has made every effort to keep me informed and has maintained his professionalism throughout my case, even helping me understand it despite my language barrier. Many thanks to Kraft Legal and especially to Felipe Perea. God bless you. (Original) Kraft Legal Ha estado trabajando y trabaja con excelente resultados a favor de los errores e injusticias por las que he pasado y estoy pasando. Doy gracias a Dios de haber conocido este bufete de abogados esmerados y en los que cofio. Tengo que expresar mis gracias especialmente a Felipe Perea que se a esforzado en mantenerme informado y ha mantenido su profesionalismo en todo el transcurso de mi caso y además ayudándome con mi idioma a entenderlo. Muchas gracias a Kraft Legal y en especial a Felipe Perea. Dios los bendiga.
(Translated by Google) The best thing about this office is Felipe Perea. Thank you so much for your excellent work and efficiency. (Original) Lo mejor que tiene esta oficina es Felipe Perea. Muchas gracias por su excelente trabajo y eficiencia. The best employee that this office has is Felipe Perea. He is excellent and work very well. Thank you very much
Helped me with a home insurance issue, Great staff , answered all my questions quickley, wonderful service. I was well taken care of. Thank You All
Mr Kraft is incredible !! Gave me his cell phone number, so I could speak with him at any time. Explained in detail any questions I had and never sugar coated anything. He's a straight shooter. I highly recommend Mr Kraft for your Social Security Disability needs.
Our home has survived many Florida hurricanes but when a strong, surprise hail storm hit in early 2020, our house suffered substantial damage. Our homeowner’s insurance company had a team of experts on their side to fight our claim. When weeks turned into months, we knew we needed someone to represent our needs. Krapf Legal came highly recommended and we now understand why this team has earned its outstanding reputation. Every Krapf Legal representative has been so professional, understanding and so passionate about helping homeowners like us. While we live several miles away in another city, the Krapf legal team (Grant, Keller and the entire team) treated us like neighbors. They were professional, responsive and spot on with their advice. In the end, we received the compensation we needed to repair our home. Truly, we couldn’t have resolved our claim with such a positive outcome without Krapf Legal. Thank you!!!
Seriously the best property insurance attorney there is. Highly recommend!
Edited previous text as we have worked out a new plan to move our case forward and I look forward to good results
Grant Krapf was an outstanding lawyer for our roof claim. I highly recommend him!
Roof leaks to property damage, Krapf Legal knows how to handle any case. Highly recommend
Excellent company with superb customer service!
The team at Krapf Legal is a group of dedicated professionals that bring significant contribution and value to their clients. They are highly responsive, communicate expectations effectively and more importantly, get timely results for the folks that they represent. I highly recommend this firm, whether working with them directly or through a public adjuster.
I had extensive damage to my home from Hurricane Irma. My insurance company only stated $8k worth of damage but because my deductible was so high they sent me a check for $3k! I couldn't even get the insurance company to return my phone call for 3 months! I didn't know what to do so I hired an insurance adjuster to fight the claim. After over a 16mths of fighting it had finally gotten to the point to bring in a lawyer. They recommended Grant Krapf and I’m so glad they did! I couldn’t believe how quickly he got a response from the insurance company. In total, I had been waiting for nearly 2 years and when Grant and his team came on board it was a matter of months before they were able to get the insurance company to settle. I was shocked and amazed! I have never hired an attorney before and I had always heard unflattering stories but this was not my experience. Even after the settlement they have been kind enough to still help me with questions or advice relating to the house. They are good people and they do good work! It’s incredible when you feel like you are going up against a giant and want to give up and can find extraordinary people that will fight for you and never give up!
Highly recommend Krapf Legal. Cailtin has always greeted us in a friendly and professional manner and made us feel like a very important client. Grant and his staff were always prompt to address our needs and timely respond to any questions. Very knowledgable, respectful, reliable, courteous and professional.
Grant and his team consistently achieve great results for their clients. They are people you can trust and always act in their client’s best interest.
Testimonials and reviews reflect individual clients' experiences. Prospective clients may not obtain the same or similar results.