Top-rated insurance lawyers

What does a insurance lawyer do?

An insurance lawyer handles disputes over insurance policies: policyholders whose property, life, disability or liability claims were denied or underpaid, and insurers defending coverage and bad-faith claims.

• Denied or underpaid property claims
• Hurricane and storm damage claims
• Bad-faith claims against insurers
• Life and disability insurance denials
• Coverage disputes
• Insurance defense

When do you need a insurance lawyer?

Talk to an insurance lawyer before the claim deadlines run: a Florida property claim must be reported within 1 year of the loss.

• Your insurer denied or underpaid a claim
• The insurer has not paid or denied your claim within 60 days
• You received a reservation of rights letter
• You are considering a civil remedy notice

Who are the best insurance lawyers in Florida?

The statewide ranking lists the top 25 of the 1414 insurance lawyers LexRanked tracks in Florida, in order of their LexRank score. See the best insurance lawyers in Florida.

Where can I find a insurance lawyer in Florida?

Insurance rankings cover 46 Florida cities; Tampa has the most lawyers compared (175).

How much does a insurance lawyer cost in Florida?

Policyholder lawyers often work on contingency, and insurers usually pay their lawyers by the hour. After a total coverage denial outside property insurance, an insured who wins a declaratory judgment on coverage is awarded reasonable attorney fees. Under The Florida Bar's rules, a lawyer who has not represented you before must explain the basis or rate of the fee and costs, preferably in writing, and no fee may be clearly excessive.

Florida insurance rules to know

A Florida homeowner must give the insurer notice of a property insurance claim within 1 year after the date of loss, and a lawsuit for breach of the policy must be filed within 5 years of the loss.

Are insurance lawyers board certified in Florida?

No. Insurance is not one of the fields in which The Florida Bar board-certifies lawyers, so LexRanked includes lawyers who list insurance as a practice area on their Florida Bar profile. The lawyer adds that practice area, and The Florida Bar does not review it, so ask how much of the lawyer's work is insurance. Lawyers in these rankings may still hold a board certification in a related field, which their profiles show. About 4.9% of Florida lawyers hold a board certification in any field.

How to choose a insurance lawyer

Confirm the license in The Florida Bar's directory, then compare experience, certification and how often the lawyer handles cases like yours.

1. Look up the lawyer in The Florida Bar's directory: the license must show as eligible to practice, and public discipline is listed there.
2. Ask how much of the lawyer's work is insurance: practice areas on a Florida Bar profile are added by the lawyer and are not reviewed by The Florida Bar.
3. Ask for the fee agreement in writing before work starts.
4. Ask: Have you handled claims against my insurer?
5. Ask: Which deadline applies to my claim?
6. Ask: Should I use appraisal or mediation before suing?

How LexRanked ranks insurance lawyers

By the LexRank score: experience, practice-area relevance, awards on record such as board certification, professional credentials, data quality and location, using only facts with a cited source. Client reviews do not affect the LexRank score: neither star ratings nor the number of reviews is scored. Data checked November 2026 against each lawyer's Florida Bar profile. Payment never changes a position. See how we rank.

Sources

• Florida Statutes, section 627.70132 (notice of property insurance claim)
• Florida Statutes, section 627.70131 (insurer duties on claims)
• Florida Statutes, section 95.11 (limitations of actions)
• Florida Statutes, section 624.155 (civil remedy)
• Florida Statutes, section 86.121 (attorney fees in insurance coverage actions)
• Rules Regulating The Florida Bar, Rule 4-1.5 (fees and costs for legal services)
• The Florida Bar: Find a Lawyer directory