Have an issue with your homeowners property damage claim?


If you live in Port St. Lucie, Fort Pierce, Vero Beach or Okeechobee and your homeowners property damage claim has been denied, disputed, or left unpaid, call our Treasure Coast Homeowners Property Damage Lawyers right away. We help our clients overcome difficult situations—just as we’ve done for thousands of Treasure Coast residents since 1980.

How can our Treasure Coast Homeowners Property Damage Lawyers help?

Your home or property is your most important asset. That’s why you do everything you can to protect it, including buying homeowners insurance, in case it is damaged or lost to fire, storms, flooding, or wind. Unfortunately, you can’t always trust insurance companies to do what’s right.

If you believe your insurance company wrongly denied, delayed, or underpaid your homeowners property damage claim, call Hoskins, Turco, Lloyd & Lloyd. We make sure insurance companies hold up their end of the policy.

Our Treasure Coast Homeowners Property Damage Lawyers will represent you and negotiate a fair settlement amount for your claim and, if necessary, file a lawsuit to make sure you get the compensation you deserve.

Free policy and claim review

Have questions about your property damage claim? We offer a free review of your policy and claim at no cost to you and with no obligations. We can discuss the issues that may apply to your claim and can inform you of your options.

Please call 866-930-6435 or fill out our contact form to schedule your free review.



Resources for homeowners property damage claims in Fort Pierce, Port St. Lucie, Vero Beach and Okeechobee

What does Florida homeowners insurance cover?

Florida homeowners insurance covers the cost of repairs or replacement of your home and belongings if they sustain damage under certain circumstances.

What your homeowners insurance covers depends on your specific policy. It could cover:

  • Your dwelling
  • Other structures on your property, like garage or pool
  • Personal property, such as clothes, appliances, and furniture
  • Bodily injuries if someone gets hurt on your property, including dog bites

Most Florida homeowners insurance policies cover issues from severe storms, hurricanes, fires, theft, and vandalism. However, most policies don’t cover damage from floods or sinkholes. You have to buy separate insurance policies for certain natural disasters.


Reasons why your property damage claim can be denied, delayed, or undervalued

Insurance companies are businesses focused on profit. It’s in their best interest to avoid paying or minimize payouts. To reduce payouts, insurance companies often offer low-ball settlements that they hope you will accept. They may even deny valid claims entirely.

Common tactics used by insurance companies to avoid paying your claim:

  1. Say your damage was caused by factors not covered by your policy
  2. Fail to conduct a thorough investigation into what caused the damages
  3. Delay paying your claim in hopes you become desperate and accept a lower offer
  4. Offer you a settlement to repair what needs to be replaced
  5. Claim you didn’t take necessary measures to prevent the damage


When should you contact an attorney?

Right away. If your homeowners property damage claim has been denied or delayed, or you believe your insurance company is not offering a fair settlement, call a Homeowners Property Damage Lawyer immediately. An experienced attorney will be able to tell you if you have a case and can help you take the necessary steps to get the insurance company to pay.


What types of homeowners property damage claims do we handle?

We help Treasure Coast residents who have had their homeowners property damage claims denied, undervalued or delayed. Below is a list of the common property damage claims we handle.

Common property damage claims:

  • Water damage
  • Storm damage
  • Tornado damage
  • Lightning damage
  • Fallen trees
  • Roof damage
  • Wind damage
  • Fire and smoke damage
  • Vandalism
  • Theft


Why hire Hoskins, Turco, Lloyd & Lloyd to represent you?

  • Experience – You need attorneys who have repeatedly gone up against big insurance companies and have won. To date, Hoskins, Turco, Lloyd & Lloyd has secured over $500 million in insurance settlements for our clients.
  • Local – We have been representing Treasure Coast residents for over 40 years. We have four local offices; all of our attorneys live here; we are very familiar with storm, wind, and water damage; and we can meet with you face to face.
  • No recovery, no fee – When you hire us, you do not have to pay for anything unless we recover additional insurance proceeds than what you need to cover your damages.


Have an issue with a property damage claim in Port St. Lucie, Fort Pierce, Vero Beach or Okeechobee?

Call 866-930-6435 now

If you live in Port St. Lucie, Fort Pierce, Vero Beach or Okeechobee and your property damage claim has been denied, disputed, or left unpaid, call our Treasure Coast Homeowners Property Damage Lawyers right away.

We will complete a free policy and claim review for you and inform you of your next steps and legal options. Don’t be a victim twice.

Please call 866-930-6435 or fill out our contact form to schedule your free review.

Treasure Coast Homeowners Property Damage Claims
If you’ve been injured on the job, filing a workers’ compensation claim can be very complex. Our attorneys have the expertise and years of experience to quickly assess you case and seek compensation for your injuries and loss of income.
Florida Workers’ Comp Insurance
Chapter 440 Florida Statute
Treasure Coast Property Damage Lawyers
Ian Lloyd, Senior Partner, Senior Partner
Ronald Fanaro,

What Our Clients are Saying

Verdicts and Settlements

$1.2 Million

Auto Accident Settlement

$1.6 Million

Wrongful Death Settlement

$11.1 Million

Settlement for motorcycle accident


Ft. Pierce Office
302 South Second Street
Ft. Pierce, FL 34950
Phone: (772) 464-4600
Fax: (772) 465-4747
Port St. Lucie Office
1887 S.E. Port St. Lucie Blvd.
Port St. Lucie, FL 34952
Phone: (772) 344-7770
Fax: (772)344-3838
Okeechobee Office
1910 S Parrott Ave
Okeechobee, FL 34974
Phone: (863) 357-5800
Fax: (863) 763-2237
Vero Beach Office
2101 15th Avenue
Vero Beach, FL 32960
Phone: (772) 794-7774
Fax: (772) 794-7773
Sebastian Office
1561 US Highway 1 Sebastian, FL 32958
Phone: (772) 646-0662
Fax: (772) 646-0662