Home Insurance Disputes

Your Insurance Claim Was Denied or Underpaid? We'll Make It Right.

When disaster strikes your home, you expect your insurance company to step up — not shut you down. Unfortunately, too many Florida homeowners discover that their insurer isn’t on their side. Claims get delayed, underpaid, or flat-out denied for reasons that don’t make sense.

At Hatfield Consumer Law, we stand up to insurance companies that refuse to do the right thing. Whether your roof was damaged in a storm, your home suffered water or mold damage, or a fire left you with costly repairs, we fight to make sure you’re paid every dollar you’re owed.

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Our Expertise

The Most Common Insurance Disputes We Handle

Since 2017, we’ve represented Florida homeowners in over a thousand insurance disputes, recovering more than $55 million in settlements. About three-quarters of these cases involve roof damage — but the law and process are the same no matter what kind of loss you’ve experienced.

Roof Damage

From hurricanes, wind, or hail. Most common and most commonly denied.

Water Damage

Broken pipes, leaks, and flooding. Often disputed or undervalued.

Mold Damage

Quick spread, health issues. Frequently denied or delayed.

Fire & Lightning

Devastating damage. Cause disputed or loss undervalued.

In every case, the story is the same: the insurance company tries to minimize payouts. We step in to get a different ending.

The Problem

Why Insurance Companies Don't Pay Fairly

It surprises most homeowners to learn that insurance companies rarely pay full claims voluntarily. They may deny your claim, undervalue the damage, or delay payment so long that you’re forced to give up.

Here’s what really happens behind the scenes:

"Constructive Denials"

Instead of saying "no" outright, insurers delay endlessly, change adjusters multiple times, or ask for endless documentation until you give up.

Lowball Offers

They claim repairs will cost less than they really do, hoping you'll take a fraction of what you're owed.

Policy Misinterpretations

They twist the language of your policy to favor the company, not the homeowner. Florida law says they can't do that — but they count on you not challenging it.

This behavior isn't a mistake. It's the business model.

Insurance companies make money by denying or underpaying valid claims — and they expect most people to walk away without a fight.

That's where we come in.

Our Track Record

Tough on Insurers. Trusted by Homeowners.

Since 2017, Roger Hatfield has helped homeowners recover over $55 million from insurance companies that tried to avoid paying what they owed.

Our success rate exceeds 95%

While no attorney can promise results, our track record speaks for itself.

We’ve represented clients across Florida in disputes involving nearly every major carrier. Whether the loss was caused by a hurricane, fire, flood, or burst pipe, the pattern is always the same:

The insurer delays, denies, or underpays — and Hatfield Consumer Law steps in to set things right.

Recovered for Clients

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Cases Handled

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Success Rate

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What Sets Us Apart

Why Clients Trust Hatfield Consumer Law

Clients tell us that what sets us apart is simple:

Responsiveness

We return calls and explain every option clearly.

Honesty

You'll always get a straight answer, not false promises.

Experience

We've handled thousands of claims and know every trick insurers use.

Results

More than $55 million recovered for Florida homeowners.

When you hire Hatfield Consumer Law, you’re not just hiring a lawyer.
You’re hiring someone who’s not afraid to punch back at corporate bullies.

Our Process

What to Expect When You Call

From your very first call, we make the process simple and transparent.

Free Consultation

You'll speak directly with an attorney who understands your type of claim.

Document Review

We'll look over your policy, correspondence, and any repair estimates.

Case Evaluation

You'll get an honest assessment of where you stand and what your options are.

Action Plan

If we move forward, we handle everything — communication with your insurer, document gathering, and negotiations.

You’ll never be left wondering what’s happening with your case. We’ll keep you informed every step of the way.

Get Started

You Deserve to Be Treated Fairly

Your home is your biggest investment. Don’t let your insurance company get away with paying less than you’re owed. If your claim was denied, delayed, or underpaid — we can help.

Submit Your Insurance Claim

Step 1 of 2: Your Contact Information

Full Name

phone

Mailing Address

Step 2 of 2: Claim Details

Address of Damaged Property (if different)

Contractor or Public Adjuster

Other Owners or Named Insureds

Insurance Carrier

Type of Loss

Tell us what happened

I have read and agree to the legal disclaimer and understand that submitting this form does not create an attorney-client relationship. *

Read Legal Disclaimer

Prefer to talk? Call us now.

No fee unless we win your case.