
Florida Property Damage Lawyers Who Know How Insurance Companies Think
This page has been reviewed and approved by Carlos D. Cabrera, Esq., a Florida-licensed property damage attorney with 24 years of experience and former insurance defense counsel.
Carlos D. Cabrera
- Million Dollar Advocates Forum seal
- AVVO 10/10 badge
- Martindale-Hubbell AV Rated badge
- Google Reviews stars (5.0 ★ — 44 Reviews)
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We spent years defending insurance companies. Now we use that knowledge to help Florida families get the full settlement they deserve — not the lowball offer the insurance company hopes you’ll accept.
About us
We Worked for Insurance Companies. We Know Every Move They Make.
Florida Advocates is a property damage law firm based in Dania Beach, Florida. What makes us different from other property damage lawyers isn’t just what we’ve won — it’s where we came from.
Our attorneys spent years on the other side of the table — representing insurance companies, learning how they evaluate claims, delay payments, and train their adjusters to minimize what they pay. When we switched sides, we brought all of that knowledge with us. And we use it every day to help Florida families recover what their policies actually owe them.
Since founding Florida Advocates, our team has handled over 100,000 insurance and injury cases statewide, recovered over $100 million for clients, and argued cases from county courts all the way to the Florida Supreme Court. Our attorneys have also written Florida’s leading legal textbooks on insurance law — not because we read about insurance claims, but because we’ve lived them for decades.
When your insurance company delays, denies, or underpays your property damage claim, you need lawyers who understand the playbook. We wrote it.
Award-Winning Property Damage Attorneys












Recovery
We don't just get your money — we get your home and your family back to normal. From first call to final check, we manage everything.
Understanding
We have families too. We understand what it feels like when your home — and your family's stability — is threatened. This is more than property. It's your life.
Results
Insurance companies count on you accepting their first offer. We don't let that happen. Our clients receive full recovery — not partial payments.
Recovered for Clients
Cases Handled
Years of Experience
Trials & Appelas Won
Upfront. No Win, No Fee.
We Handle Everything
Our Attorneys

CARLOS D. CABRERA, ESQ.
Lead Property Damage Attorney
24 Years Experience | Former Insurance Defense Counsel | Million Dollar Advocates Forum | Florida Legal Elite | Bilingual (English/Spanish)
Carlos D. Cabrera is Florida Advocates’ lead property damage attorney, bringing 24 years of experience and a rare perspective — he spent years defending insurance companies before switching to represent the policyholders they denied. He has recovered millions of dollars for Florida homeowners, condo owners, and businesses whose insurance claims were denied, delayed, or underpaid. Carlos is a member of the prestigious Million Dollar Advocates Forum, has been recognized by Florida Legal Elite, and is fully bilingual in English and Spanish, allowing him to serve Florida’s diverse communities.
Notable Results:
- $3,000,000 — Condo fire damage recovery
- $1,000,000 — Waterfront restaurant hurricane claim
- $750,000 — Restaurant fire (neighboring property fault)

JORGE LUIS MONTERO, ESQ.
Property Damage Attorney
J.D., University of Miami School of Law | 26+ Years Insurance Litigation | Bilingual English/Spanish | Member, National Association of Consumer Advocates (NACA)
Jorge Luis Montero brings a powerful personal perspective to property damage law. Born in Havana, Cuba, and raised in South Florida after migrating to the United States during the 1980 Mariel boatlift, Jorge understands firsthand what it means for a family to start over — and what it means when an insurance company makes recovery harder than it should be. A graduate of the University of Miami School of Law, Jorge has 26 years of insurance litigation experience on both the plaintiff and defense sides. He is fully bilingual in English and Spanish and is a member of the National Association of Consumer Advocates.

CHRISTOPHER M. TUCCITTO, ESQ.
Managing Attorney

RUSSEL LAZEGA, ESQ.
Founding Attorney
SETTLEMENT RESULTS
Results That Speak for Themselves
- Insurance companies offer far less than your claim is worth. Here's what our clients actually received.
Property Damage
Property Damage
Water Damage
Property Damage
Property Damage
Property Damage
Hurricane Damage
Water / Mold Damage
Fire Damage
The explosion caused fire damage. The insurer denied because the agent failed to renew proper coverage. We proved the client had requested renewal — the agent’s insurer settled.
- Attorney Advertising. Prior results do not guarantee a similar outcome.
Million Dollar Advocates Forum
Only attorneys who have won $1M+ verdicts/settlements — less than 1% of U.S. lawyers qualify
AVVO 10/10 Rating
AVVO's highest possible attorney rating for skill and client satisfaction
Martindale-Hubbell AV Rated
Highest peer-review rating for legal ability and ethical standards
Florida Trend Legal Elite
Named among Florida's top insurance attorneys by Florida Trend Magazine
BBB A+ Accredited
Better Business Bureau A+ rating for business ethics and client service
Florida Supreme Court
Cases argued and won from trial courts to the Florida Supreme Court
FAQ Questions
Frequently Asked Questions About Our Property Damage Law Firm

Insurance companies have experienced adjusters and lawyers whose job is to pay you as little as possible. When you hire a property damage attorney, you level the playing field. Our attorneys are former insurance defense lawyers — we know exactly how insurance companies evaluate and minimize claims, and we use that knowledge to ensure you receive the full settlement your policy entitles you to. Our clients consistently recover significantly more than the insurance company's initial offer.
It means you pay nothing unless we win your case. There are no upfront fees, no retainer, and no hourly charges. If we recover money for you, our fee comes as a percentage of what we recover. If we don't win, you owe us nothing. This makes it possible for any Florida homeowner or business owner to access top-level legal representation regardless of their financial situation.
Every case is different depending on the complexity of your claim, the insurance company involved, and whether litigation is required. Many property damage claims settle within several months once an attorney is involved. Complex cases or those requiring litigation may take longer. What we can tell you is that having an attorney typically accelerates the process significantly — insurance companies take claims more seriously when they know a law firm is involved.
We handle all types of property damage insurance claims including hurricane and storm damage, water damage, roof damage, fire and smoke damage, mold damage, sinkhole damage, business interruption claims, bad faith insurance disputes, and claim denials and underpayments. We represent homeowners, condo owners, commercial property owners, restaurants, businesses, and HOAs throughout Florida.
Yes. Florida has specific statutes of limitations for property damage claims. Generally, you have a limited window from the date of the loss or denial to take legal action. Waiting can seriously harm your case. We recommend contacting us as soon as possible after your claim is denied or you believe you're being underpaid — the sooner we get involved, the more options you have.
Nothing. Our firm works on a contingency fee basis. If we don't recover money for you, you pay no attorney's fees. There may be expert or litigation costs in certain cases, which we will discuss with you transparently before proceeding. We believe every Florida family deserves access to legal help — not just those who can afford to pay upfront.