FLC Law was built on a fundamentally different approach to property damage insurance claims. Our perspective is shaped by direct experience with catastrophic loss and decades of hands-on litigation against insurers.
Our attorneys experienced the destruction of their family homes during Hurricane Andrew in 1992. That event did not simply instill empathy—it produced a long-term understanding of how building codes, insurer behavior, and post-disaster regulation intersect. Few first-party or bad faith firms understand the practical and legal consequences of building code compliance as deeply as we do.
Since 2012, we have consistently held insurers accountable for refusing to pay claims in compliance with mandatory local building codes. We regularly work with code officials, permit professionals, and construction experts to develop code-based liability theories that insurers often ignore or deliberately evade. Florida’s building code—widely regarded as the most stringent and complex in the country—has been the proving ground for this strategy. That experience positioned us to deploy the same approach effectively in Texas and Colorado.
Following Florida’s 2022 legislative changes eliminating one-way attorney’s fees and assignments of benefits, we observed a sharp decline in consumer claim reporting and a corresponding increase in insurers underpaying, delaying, or denying valid claims. Even policyholders who sustained total losses from Hurricanes Helene and Milton were affected. While many consumer-focused firms closed or retreated into other practice areas, FLC Law adapted and continued litigating property damage claims exclusively. We did not dilute our practice. We refined it.
We represent property owners pursuing recovery on claims of any size. Our work includes underpaid and denied claims involving single-family residences, commercial buildings, historic hotels, warehouses, and multi-structure properties governed by condominium and homeowners’ associations.
FLC Law also distinguishes itself by pursuing liability beyond the insurance policy when legally justified. Since 2014, our attorneys have successfully litigated claims involving negligence, fraud, and other wrongful conduct against insurers and related third parties. These defendants frequently include condominium and homeowners’ associations, insurers’ preferred contractors, mold and water remediation companies, and asbestos and abatement vendors.
Our command of Florida’s regulatory and building code environment has been central to our longevity and results. Florida’s exposure to repeated hurricane activity has produced the most demanding and continuously evolving building code framework in the nation. Insurers routinely ignore these requirements when adjusting claims. We do not. Our ability to identify and litigate code-driven deficiencies remains a core driver of recoveries for our clients.
That capability fueled our expansion beyond Florida. Through our Of Counsel relationship with Your Insurance Attorney, PLLC, and affiliations with local counsel, we now serve clients in Georgia and North Carolina while maintaining direct oversight and continuity of personnel. Clients receive the same attorneys, staff, and litigation philosophy—without compromise.
