The Law Firm of J.P. Gonzalez-Sirgo, P.A. has the experience, knowledge and skill required to handle your homeowner's insurance claim throughout the entire State of Florida. If your homeowner's insurance claim has been denied, rejected, delayed or underpaid, we can help. We also routinely work with clients that have retained the services of a Public Adjuster. We understand and appreciate the value a Public Insurance Adjuster brings to an insurance claim and therefore work side-by-side with the Public Adjuster and client in helping to resolve any claim issues through our legal representation.
We Are YOUR Insurance Against The Insurance Companies
When you bought your policy, both you and your insurance company entered into a contract in which they promised to cover your losses caused by certain events in exchange for your premiums. The average home insurance premium in Florida in 2005 was $1,083 - the third highest amount in the country. And in certain areas of Florida the average premium is significantly greater than this. Don't let your insurance company get away with taking your money but refusing to follow through with their half of the deal.
As a former claims adjuster, I understand why these situations come about. Insurance companies are in the business of making money. By delaying claims, insurance companies get to hold on to their money a little longer. Money that is invested somewhere earning them money. As far as insurance companies go, the only thing better than delaying a claim is denying a claim.
Insurance claims lawyer J.P Gonzalez-Sirgo has nearly 15 years experience and along with an experienced staff we hold insurance companies to their word. We do exactly what insurance companies fear: We Hold Them to Their Promises.
We use our experience and the experience of our selected consultants to analyze your damages and the available coverage under your policy and other issues such as:
The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents homeowners with insurance claims resulting from damages caused by any of the following perils:
We routinely represent homeowners who have suffered damages to their property with the initial preparation and presentation of their insurance claim throughout settlement discussions and litigation if necessary, including in state and federal courts.
Consider the Following
You met your responsibility to yourself, your family, and your mortgage company when you purchased homeowners insurance to cover, what likely is, your single biggest asset: your home.
You understood that damage to your home could come in many forms - from fires and floods, to storms and hurricanes, to mudslides and sinkholes. A simple leaking or burst water pipe could lead to property damage and dangerous mold. A storm could result in thousands of dollars in repairs. A hurricane could leave your family utterly homeless.
An insurance policy would protect you, you thought. If something should happen to your home, you and your family would be able to pick up the pieces knowing that you were covered.
However, when disaster does strike your home, your insurance company does not seem as concerned for your family and home as they were when they were selling you the policy and collecting your premiums. When your claim is finally processed, they either deny it altogether or provide you with a tiny sum that doesn't begin to cover the losses your family has suffered.
You thought you were doing the responsible thing by buying insurance, but now you're in the same situation as you would have been if you had not tried protecting your home in the first place.
Case In Point
The insured came home one night to discover that a plumbing pipe in the upstairs bathroom had burst inundating the house with water causing damage to the structure of the home, including subsequent collapse, and ruining many of the insured's contents. The insured was displaced from her home as the house was unlivable. A claim was filed with the insured's homeowner's insurance company and the insurance company assigned an adjuster to the claim. Eventually, the insurance company paid the insured in the neighborhood of $250,000.00 on the loss and refused to renew the insured's policy. Unsatisfied, the insured retained our services.
Through experts we established that the insurance company's valuation of the claim was woefully inadequate.
But equally important, we established improprieties in the claims handling process. It was the insurance company's adjuster that referred a general contractor and a public adjuster to the insured. The insurance company adjuster insisted to the insured, a single mother who was in the midst of a divorce, that this was the only way to resolve the claim. We showed that the contractor and the public adjuster were, apparently siblings, and associates of the insurance company adjuster. This trio went about a conspiracy to defraud the insured in an attempt to quickly benefit themselves and the insurance company. Not only was the claim negligently handled by this trio but they charged excessive fees and extorted the insured. Toward the end of the trio's involvement, the contractor and public adjuster demanded that the insurance company adjuster be paid an additional $18,000.00 by the insured for any more monies to be paid on the claim.
In the face of the above evidence, the insurance company settled the case for an additional $587,500.00. Our client was very happy.
If Your Home Has Been Damaged:
Mitigate, Document, Notify, and then CALL US Immediately
The moment that you notice damage to your home as a result of an event that you believe is covered under your policy, do as follows:
Mitigate
Use your best efforts to make temporary repairs so that the condition doesn't get worse. This will prevent the insurance company from later claiming that your damages are the result of your failure to mitigate your damages. For example, if you have a roof leak, hire a roofer to put a tarp over the leak area. Try not to pay the repairman in cash for the temporary repairs and if you have to pay in cash, get a receipt and his name and contact information. Submit the temporary repair receipts to your insurance company for payment.
Document, Document, and Document
Take pictures of all affected areas. Take video, if you can, of all affected areas. Hold on to any receipts and estimates for repairs. Get the contact information for any contractors that come to your house to give you estimates. Do not throw out any correspondence or documents that are sent to you by your insurance company. If you are mailing anything to your insurance company do it by certified mail, return receipt requested, and make copies of whatever you are sending for your records. Keep a journal of all your communications with your insurance company. If you become aware of any witnesses that have knowledge of any aspect of your claim, record their name and contact information. Don't throw out any of the damaged items in your house.
Notify
Put your insurance company on notice of the claim. Call your insurance company and let them know what happened. Get the name of the adjuster assigned to your claim, his or her contact information and the claim number.
Contact Us
Let us use our experience to help you. Even if your bad faith residential insurance claim isn't new, and even if you unknowingly accepted the small check they gave you, you may still be able to pursue your claim - you may be able to reopen an unfair claim years after the loss.
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?
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 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
American Association For Justice 
Florida Justice Association
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. Attorney 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 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
What Residential and Homeowner's insurance claims can you help me with?
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?
Can I get a free consultation with J.P. Gonzalez-Sirgo, P.A. to discuss my insurance claim?
