Your Insurance Company Denied Your Claim. I Fight to Get You Paid.
Diane Zimmerman is a Florida property damage attorney who answers her own phone, handles every file personally, and collects nothing unless she wins your case.
40+ Years Fighting For Clients
I've seen every tactic insurers use to deny, delay, and underpay claims — and I know exactly how to counter them. Whether your claim stems from Hurricane Michael, Ian, Milton, or Helene, I understand what Florida policies require your insurer to pay, and I hold them to it.
Hurricane season doesn't wait. Neither do claim filing deadlines. If your claim has been denied, delayed, or settled for less than your damage is worth, the time to act is now.
What Kind of Claim Do You Have?
Florida homeowners face damage from storms, wind, and water every year — and insurers fight back just as often. I handle the full range of property damage claims, including:
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Hurricane Damage Claims
When a named storm hits, insurers move fast to limit what they pay. I've handled claims from some of Florida's most destructive hurricanes and know how to build a case that holds up.
Windstorm Damage Claims
Wind damage is frequently misclassified or blamed on pre-existing conditions. I know how to document windstorm claims and counter the arguments insurers use to shrink payouts.
Tornado Damage Claims
Tornado events are often localized and disputed. I help property owners prove the scope of damage and recover what their policy actually covers.
Water Damage Claims
Water damage claims are among the most frequently denied in Florida. Whether the source is a sudden leak or storm-driven intrusion, I help you fight back against wrongful denials.
The Insurer Has a Team of Adjusters. So Do You.
Your insurance company didn't send one person to evaluate your claim — they sent a team trained to pay as little as possible. When you call me, you get a hurricane insurance claim attorney with four decades of experience in Florida property damage law, working your file personally from the first call to the final resolution.
No intake staff routes your call. No case manager updates you on my behalf. You reach me directly, every time.
Not Sure What Your Policy Covers?
Find Out Before It's Too Late.
Most homeowners don't read their insurance policy until after a claim is denied — and by then, it's often harder to recover full value. I offer a free insurance policy review to any Florida homeowner, whether you've already filed a claim or you're preparing for storm season now.
This is something most attorneys don't offer. A policy review takes the guesswork out of what you're owed and puts you in a stronger position from the start.
Trusted Legal Support for Clients Across Florida
You Risk Nothing to Find Out Where You Stand
The consultation is free. The policy review is free. If I take your case, I collect nothing unless I win. There are no upfront costs, no hourly fees, and no financial risk to you for picking up the phone.
If your claim has been denied or you're worried about what your insurer might offer, the only thing you lose by calling is the uncertainty.
Frequently Asked Questions About Florida Property Damage Claims
How long do I have to file a hurricane insurance claim in Florida?
Florida law sets specific deadlines for reporting property damage and filing suit against your insurer, and those windows can be shorter than most homeowners expect. If your claim was recently denied or you haven't yet filed, contact me as soon as possible so we can review your timeline before any deadline passes.
What does a hurricane insurance claim attorney actually do?
I review your policy to determine what your insurer is required to pay, document your damage, negotiate with the insurance company on your behalf, and file suit if they refuse to pay what you're owed. My job is to level the playing field between you and an insurer that has far more resources than a typical homeowner.
What if my claim was already denied — is it too late?
A denial is not the end of the road. Many denied claims can be reopened, appealed, or litigated depending on the reason for denial and how much time has passed. The sooner you contact me after a denial, the more options we have.
Do I have to be located in Panama City to work with you?
No. I serve homeowners and property owners throughout Florida and will travel anywhere in the state to handle a claim. I've worked cases across the Gulf Coast, South Florida, the Panhandle, and beyond.
What does it cost to hire you?
Nothing upfront. I work on a contingency basis, which means I collect a fee only if I recover money for you. The initial consultation is free, and so is the policy review. You take on no financial risk by calling.
Can you review my policy before I file a claim?
Yes — and I'd encourage it. A free policy review before you file helps you understand exactly what your coverage includes, what documentation your insurer will require, and how to avoid the missteps that lead to denials. Reach out through the contact page or call me directly to get started.
