
Below are some initial questions many clients have when they first contact J.P. Gonzalez-Sirgo, P.A.. The questions below may address many initial concerns you may have. If you don't find the answers here, you should contact us for answers to questions specific to your case. The consultation is free.
When filing an homeowner's insurance claim, how can I prove the losses that I incurred most effectively?
Can I get a free consultation with J.P. Gonzalez-Sirgo, P.A. to discuss my insurance claim?
My insurance company will not pay my small insurance claim, is it still worth for me to hire insurance claims attorney J.P. Gonzalez-Sirgo to pursue the claim?
What Residential and Homeowner's insurance claims can you help me with?
Does J.P. Gonzalez-Sirgo, P.A. handle condominium insurance claims?
What does a condominium association insurance policy cover?
I live in a condominium and my condo unit and condominium building sustained damages, what can I do?
I sit on the board of directors for my condominium association and feel our board is getting nowhere with our insurance claim, what can I do?
I own a condo unit in my condominium and feel my board of directors/association is getting nowhere with the insurance claim necessary to repair the buildings roof, etc. What can I do?
Our condominium buildings suffered damages due to a fire, hurricane, windstorm or other loss. The interior portion of my condo unit also suffered damages as a result of this damage. The association's insurance claim for the "common areas' has been resolved. My insurance claim for my condo unit has not, can you help me?
Due to damages to my condo unit, I have been forced to move from my condo unit and rent elsewhere. Are these expenses covered?
How much will it cost me to hire insurance claims attorney J.P. Gonzalez-Sirgo for a business/commerical claim?
What Business and Commercial insurance claims can you help me with?
I own a business and have suffered business interruption losses, can insurance claims attorney J.P. Gonzalez-Sirgo help me with my insurance claim?
What is a hurricane watch?
What is a hurricane warning?
With hurricane insurance claims, what fees or expenses does the Law Office of J.P. Gonzalez-Sirgo, P.A. charge?
In the event of a fire to my home, will my insurance company cover the contents of my home?
A fire started in my home's garage and my car was damaged while it was parked in the garage, will my car be covered?
After a fire, my home was vandalized and certain property was stolen, will this be covered?
Should temporary repairs be made following fire damage to my home?
What is a licensed Florida Public Adjuster?
If I have already hired a licensed Public Adjuster for the filing of my insurance claim, can I still hire J.P. Gonzalez-Sirgo, P.A.?
Who are Company Employee Adjusters and Independent Adjusters?
What is a Catastrophe or Emergency Adjuster?
How can I verify if my Public Adjuster is licensed?
Should I hire a Public Adjuster?
My motor vehicle was stolen and I filed an insurance claim with my insurance company and have not heard from the insurance company for several weeks, what can I do?
My car was stolen several weeks ago and my insurance company still hasn't paid my stolen auto claim. What can I do?
My car was stolen several months ago and the insurance company has not paid for the claim. I need to buy a new car, but I'm stuck making monthly car payments on my stolen car until the insurance company decides to pay. I can't afford two monthly car payments at the same time, what can I do?
My insurance company underpaid my stolen car claim, what can I do?
Does insurance claims lawyer J.P. Gonzalez-Sirgo also handle stolen truck, boat, motorcycle and other motor vehicle insurance claims?
Why should I retain the Law Offices of J.P. Gonzalez-Sirgo, P.A.?
How much will it cost me to hire insurance claims attorney J.P. Gonzalez-Sirgo for my stolen auto insurance claim?
What can I do to improve my chances of getting my long term disability insurance benefits approved?
What happens after I file my disability insurance claim?
From the moment I file my disability insurance claim, by when should I expect the carrier's decision?
What information do insurers use to approve or disapprove my disability insurance claim?
Is there a deadline for filing a long term disability claim once I stop working?
Can disability insurance companies use my workers compensation benefits to reduce or offset against my disability insurance benefits?
Do long term disability insurance companies treat Bipolar Disorder under the policy's two-year limitation on mental and nervous disorders?
I was approved for long term disability benefits, but my disability insurance company is requesting a "medical recertification." What is this and must I submit to this request?
During my annual medical recertification evaluation, my doctor noted that my disability has dissipated and that I am now able to go back to my job or some other job. Can my benefits be cut-off or terminated based on my doctor's indications.
What is the administrative appeals process for my private individual long term disability policy?
Can I collect a monthly check on my long term disability policy and continue to work?
Do you have any disability insurance claim filing tips if I want to go it alone?
What is Life Insurance?
What are common reasons for a life insurance claim's denial?
Can anyone other than the insured change the beneficiary on a life insurance policy?
Can I dispute the beneficiary of a life insurance policy?
Can insurance lawyer J.P. Gonzalez-Sirgo help with a life insurance claim or dispute between beneficiaries?
My life insurance claim has been denied or is being contested by another beneficiary, how much will it cost me to retain the services of insurance lawyer J.P. Gonzalez-Sirgo?
My loved one has passed and I can't find the life insurance policy. What can I do?
Specifically, what type of health insurance claims can J.P. Gonzalez-Sirgo, P.A. help me with?
How much will it cost to retain the services of insurance lawyer J.P. Gonzalez-Sirgo to help with the denial of health insurance benefits?
Which are the Top Ten Worst Insurance Companies in the United States?
What is Insurance Bad Faith?
My insurance claim was denied. Do I have an insurance bad faith claim?
What are the different forms of Insurance Bad Faith?
Are there any conditions to filing an Insurance Bad Faith lawsuit?
I would like to retain J.P. Gonzalez-Sirgo, P.A. to represent me in my insurance bad faith claim. How much will it cost me?
What is a "Flood?"
If I remove the furniture from my house and store it in a warehouse to keep it from being damaged in a flood, am I covered for that expense?
What types of losses are not covered by flood insurance?
What types of property are not covered?
Who administers and pays on my flood insurance policy?
How much time do I have to file a flood insurance claim from the date of loss?
I do not have flood insurance and have sustained damage from rising water as opposed to rain driven rain, what can I do?
How do I determine what is wind versus flood damage?
Can you help me with my flood insurance claim?
What is mold?
How does mold grow or multiply in my home or business?
Should I be concerned about mold causing damage to my home or business?
Where can I learn more on the health effects of mold?
Is "mold damage" covered under my insurance policy?
What is a Renters Insurance Policy?
Why do I need Renters Insurance?
What does Renters Insurance Cover?
What is a sinkhole?
Is sinkhole damage covered by my insurance policy?
What are some sinkhole activity signs I should look for?
What are my rights as a homeowner when sustaining sinkhole damage?
My sinkhole damage claim was approved, but I disagree with the manner the insurance company wants to make repairs to the sinkhole, what can I do?
Why should I hire insurance claims attorney J.P. Gonzalez-Sirgo if I suspect sinkhole damage?
How much will it cost me to hire the Law Offices of J.P. Gonzalez-Sirgo, P.A. for my sinkhole damages case?
If I retain your services, how long will it take to resolve my insurance claim?
My insurance contract is lost or incomplete, can you help file my insurance claim?
Can insurance claims attorney J.P. Gonzalez-Sirgo help me with a denied or underpaid insurance claim that dates back many years?
I handled my own insurance claim and cashed the insurance company's check. I have now started repairs and realize that the monies that I received from the insurance company are not enough to complete all the necessary repairs. Can Miami insurance claims attorney J.P. Gonzalez-Sirgo still help me?
A covered insurance loss just occurred, what should I do?
My insurance claim has been denied, what can insurance claim lawyer J.P. Gonzalez-Sirog do for me?
My insurance company lowballed me on my insurance claim, what can I do?
What kind of insurance problems can insurance claims attorney J.P. Gonzalez-Sirgo help me with?
I just received a letter from my insurance company in Florida requesting that I submit to an Examination Under Oath/Sworn Statement. What does this mean?
The adjuster handling my claim just called asking to take my recorded statement. What does this mean?
The Law Firm of J.P. Gonzalez-Sirgo, P.A. helps insurance policyholders recover what they are due on their insurance claims, zealously advocates on behalf of victims of catastrophic personal injuries or wrongful death and fights for the rights of consumers and small businesses in Miami and throughout Miami-Dade County, Florida. If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
About The Firm
J.P. has been certified as a life member of the Million Dollar Advocates Forum and the Multi-Million Dollar Advocates Forum. The Million Dollar Advocates Forum is recognized as one of the most prestigious groups of trial lawyers in the United States. Membership is limited to attorneys who have won million and multi-million dollar verdicts, awards, and settlements. Fewer than 1% of U.S. lawyers are members. J.P. has also been awarded the top rating of 10.0/10.0 or "Superb" by Avvo. Avvo's Rating system helps people navigate the complex and confusing legal industry, including choosing the right lawyer - an incredibly important decision. The Avvo Rating system takes into consideration a lawyer's background, including years in practice, disciplinary history, professional achievements and industry recognition.
In addition, the firm maintains an A+ rating with the Better Business Bureau. The firm is highly respected by other lawyers and members of our community and maintains offices in the historic Douglas Entrance complex in Coral Gables, Florida. Please click here for further information regarding office location and directions.
Prior to attending law school, J.P. Gonzalez-Sirgo worked as a claims adjuster for a busy independent adjusting firm in Miami where he handled hundreds of claims. Before founding the law offices of J.P. Gonzalez-Sirgo, P.A., Mr. Gonzalez-Sirgo worked for a prominent insurance defense firm in Miami. He now uses the insight that he gained working for the insurance industry for the benefit of his clients.
Attorney J.P. Gonzalez-Sirgo has built his entire career on protecting the rights of insurance policyholders, personal injury and wrongful death victims and fighting for the rights of Florida consumers and small businesses. The firm has recovered millions of dollars for victims of denied or underpaid insurance claims, victims of catastrophic personal injuries and wrongful death and on behalf of those that have been taken advantage of by Big Business and Big Insurance.
Active Legal Memberships

The Florida Bar
Community & Charitable Involvement
The Law Firm of J.P. Gonzalez-Sirgo, P.A believes that representation of our clients does not stop in the courtroom. We believe in giving back to our community by participating in local charitable events. The firm participates or donates to various local charitable and research organizations. Of special importance to the firm are those organizations that support many of the illnesses, syndromes, diseases, disabilities and aliments that afflict so many of our past and current clients. In addition, J.P. is proud to be a volunteer for Lawyers for Children America (LFCA). As a pro-bono LFCA volunteer lawyer, an opportunity exists to protect the rights of children who are victims of abuse, abandonment and neglect by providing free legal representation and collaborating for systematic change to improve the lives of children.
Free Case Evaluation & Consultation
If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
There is never a charge to speak with an attorney at our firm. Unlike other law firms, we are available to come to you at your hospital bed side, home, office or other location throughout the entire State of Florida.
You Pay Zero Attorneys' Fees If No Recovery
We understand that many of our clients do not have the resources or means to pay lawyer fees out of pocket. This is why we offer a free consultation and case evaluation. In the great majority of cases, if we decide to go forward with your case, we will work on a contingency fee basis. This means that if there is no recovery on your claim, you do not pay fees for our services.
If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
Se Habla Espanol
For our Spanish speaking clients, please click here for Espanol.
A Message To Insurance Policyholders In Florida
There are numerous challenges facing policyholders attempting to have their life insurance and disability insurance claims timely honored by insurance companies: The delays in investigation of claims, the endless request for documents, requests for sworn statements or examinations under oath, requests for recorded statements, fraud accusations, application issues, material misrepresentation issues, requests for medical evaluations, bad faith insurance issues, and litigation.
In the great majority of cases we will be able to help you with these challenges. Attorney J.P. Gonzalez-Sirgo helps disability and life insurance policyholders recover what they are due on their insurance claims. If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
A Message To The Victims of Catastrophic Personal Injuries or Wrongful Death
There are numerous challenges facing victims of catastrophic injuries and wrongful death in their pursuit to obtain a full measure of justice from those doing wrong.
The good news is that in the great majority of cases we will be able to help you with these challenges. Miami Personal Injury Lawyer J.P. Gonzalez-Sirgo zealously advocates on behalf of victims of catastrophic personal injuries or wrongful death. If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
A Message To Our Referring Public Adjusters
We understand and appreciate the value a Pubic Adjuster brings to a property insurance claim. For years, we have worked side-by-side with Public Insurance Adjusters and their respective clients in helping to resolve any claim issues through our legal representation.
Public Adjusters recognize that sometimes a client's difficult insurance claim requires the need for aggressive legal representation. Experienced public adjusters recognize all of the obstacles presented by an insurer during a challenging claim. The Law Firm of J.P. Gonzalez-Sirgo, P.A. routinely works with clients that have retained the services of a Public Adjuster. We prefer to work together as a team consistent with the best interests of the client's claim. During the claim's process, we seek to keep all members of the team in the loop and engage your advice and services whenever necessary. All efforts put forth by our law firm and your adjusting firm will always be in the best interest of our mutual client.
We also work with corporate counsel and corporate risk managers to resolve any insurance claim disputes.
If you would like a Free Consultation and Case Evaluation, please fill out the Quick Contact Form to the right or click here and a member of our firm will contact you promptly. You may also contact us directly at (305) 461-1095 or Toll Free at 1-(866)-71-CLAIM.
A Message To Our Referral Attorneys
For years, the Law Firm of J.P. Gonzalez-Sirgo, P.A. has been welcoming attorney referrals from our colleagues. Many of our clients come to us as a result of referrals from other attorneys, including from out of state lawyers and lawyers from other countries, who know of our success in handling insurance claims litigation. We encourage and welcome these co-counsel opportunities and routinely pay referral fees in accordance with the rules regulating the Florida Bar and Florida law. Over the years, we have paid hundreds of thousands of dollars in referral fees to our referring attorneys. We recognize the trust placed in us by our referring attorneys and so we make sure that our referring attorneys are kept in the loop throughout our representation, from the initial intake through the conclusion of the case.
To discuss a case with us, please call (305)-461-1095 or Toll Free 1-(866)-71-CLAIM. Alternatively, you may click here and fill out our "Contact Us" form and an attorney at the firm will contact you promptly.
Serving Miami-Dade County, Florida & Our Local Communities
J.P. Gonzalez-Sirgo, P.A. provides experienced legal representation for individuals and businesses throughout Florida and Miami Dade County, including Aventura, Bal Harbour, Carol City, Coral Gables, Doral, Florida City, Golden Beach, Hialeah, Hialeah Gardens, Homestead, Kendall, Key Biscayne, Medley, Miami, Miami Beach, Miami Lakes, Miami Gardens, Miami Shores, Miami Springs, North Bay, North Miami, Opa Locka, Pinecrest, South Miami, Sunny Isles Beach, Surfside, Sweetwater, Virginia Gardens, West Miami, Westchester, all of the Florida Keys communities, and Broward and Palm Beach Counties. Covering all of South Florida. Attorney J.P. Gonzalez-Sirgo is admitted to practice in all of the Federal and State courts in Florida, from the Florida Keys to Florida's Panhandle.
Disclaimer
The use of this Website or use of our "Contact Us" form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship and does not constitute legal advice. Time-sensitive or personal confidential information should not be sent through the "Contact Us" form. You are not forming an official attorney-client relationship with the Law Firm of J.P. Gonzalez-Sirgo, P.A. or its attorneys unless and until you have signed a written retainer agreement with this law firm. Submission of the "Contact Us" form does not create a written retainer agreement. If you would like to enter into a written retainer agreement with the Law Firm J.P. Gonzalez-Sirgo, P.A., please call (305)-461-1095 or Toll Free at 1-(866)-71-CLAIM.
The accounts of recent trials, verdicts, and settlements contained in this website are intended to illustrate the results of my work ethic and experience. Of course, each case is unique and the results in one case do not necessarily indicate the quality or value of any other case.
J.P. Gonzalez-Sirgo, P.A.
Douglas Entrance
804 Douglas Road
Suite 373
Coral Gables, FL 33134
Phone: (305) 461-1095
Fax: (305) 461-1096
Toll Free: (866) 71-CLAIM
Get Directions
When filing an homeowner's insurance claim, how can I prove the losses that I incurred most effectively?
Can I get a free consultation with J.P. Gonzalez-Sirgo, P.A. to discuss my insurance claim?
My insurance company will not pay my small insurance claim, is it still worth for me to hire insurance claims attorney J.P. Gonzalez-Sirgo to pursue the claim?
Does J.P. Gonzalez-Sirgo, P.A. handle condominium insurance claims?
What does a condominium association insurance policy cover?
I live in a condominium and my condo unit and condominium building sustained damages, what can I do?
How much will it cost me to hire insurance claims attorney J.P. Gonzalez-Sirgo for a business/commerical claim?
What Business and Commercial insurance claims can you help me with?
I own a business and have suffered business interruption losses, can insurance claims attorney J.P. Gonzalez-Sirgo help me with my insurance claim?
What is a licensed Florida Public Adjuster?
If I have already hired a licensed Public Adjuster for the filing of my insurance claim, can I still hire J.P. Gonzalez-Sirgo, P.A.?
Who are Company Employee Adjusters and Independent Adjusters?
My motor vehicle was stolen and I filed an insurance claim with my insurance company and have not heard from the insurance company for several weeks, what can I do?
My car was stolen several weeks ago and my insurance company still hasn't paid my stolen auto claim. What can I do?
My car was stolen several months ago and the insurance company has not paid for the claim. I need to buy a new car, but I'm stuck making monthly car payments on my stolen car until the insurance company decides to pay. I can't afford two monthly car payments at the same time, what can I do?
What can I do to improve my chances of getting my long term disability insurance benefits approved?
What happens after I file my disability insurance claim?
What is Life Insurance?
What are common reasons for a life insurance claim's denial?
Specifically, what type of health insurance claims can J.P. Gonzalez-Sirgo, P.A. help me with?
How much will it cost to retain the services of insurance lawyer J.P. Gonzalez-Sirgo to help with the denial of health insurance benefits?
Which are the Top Ten Worst Insurance Companies in the United States?
What is Insurance Bad Faith?
What is a "Flood?"
If I remove the furniture from my house and store it in a warehouse to keep it from being damaged in a flood, am I covered for that expense?
What types of losses are not covered by flood insurance?
What is mold?
How does mold grow or multiply in my home or business?
Should I be concerned about mold causing damage to my home or business?
What is a Renters Insurance Policy?
Why do I need Renters Insurance?
What does Renters Insurance Cover?
What is a sinkhole?
Is sinkhole damage covered by my insurance policy?
What are some sinkhole activity signs I should look for?