For most people, a home is the single largest investment they will ever make. It’s where families grow, memories are made, and security is cultivated. When that home is damaged by fire, storm, or another disaster, the financial and emotional toll can be devastating. Homeowners insurance is supposed to protect you from that burden — but too often, the process becomes an uphill battle.
After years of paying premiums, many policyholders discover that their insurance company now treats them as an adversary. Claims are minimized, delayed, or denied outright. Adjusters often interpret policy language in the insurer’s favor, and settlement offers frequently fall far short of the actual cost of repairs or replacement.
At Vishio Watkins & Forry, PLLC, we are intimately familiar with the stress homeowners face when insurers don’t play fair. Because all of our attorneys are former insurance defense lawyers, we know exactly how carriers evaluate, delay, and deny claims. We use that insider knowledge to level the playing field and help homeowners recover what they are rightfully owed.
Property damage can occur in many forms, and every type of loss requires different evidence and expertise. At Vishio Watkins & Forry, we handle all types of residential property damage claims, including:
According to the Insurance Information Institute, wind and hail are among the leading causes of residential property loss nationwide, followed closely by fire and water damage.
If your home has suffered damage, whether from a hurricane, fire, or frozen pipes, your first priority is safety. Once everyone is secure and immediate hazards are addressed, taking the right steps early can make the difference between a smooth claim and a denied one.
According to the Federal Emergency Management Agency (FEMA), early documentation and mitigation are critical for protecting both your safety and your right to full compensation.
Hurricane damage to Southwest Florida residence
INSURER’S OFFER: $0
Hurricane damage to Southwest Florida residence
INSURER’S OFFER: $0
Hurricane damage to Southwest Florida residence
INSURER’S OFFER: $0
We combine insurance-claim expertise with litigation readiness so we can pursue the highest lawful recovery for our clients. When you retain our services, we will:
We review your policy, claim history, and insurer communications line by line so you fully understand your coverage and where disputes may arise.
Our attorneys assemble comprehensive documentation, expert reports, and detailed inventories to ensure your claim is supported by evidence — not assumptions.
We work with structural engineers, roofing specialists, and restoration professionals to confirm the true cause and extent of your loss.
We help you coordinate immediate, reasonable repairs while ensuring that your insurer’s responsibilities are preserved and your claim remains valid.
We handle all insurer communications and push for the full cost of repair or replacement. If your insurer delays, underpays, or acts in bad faith, we’re prepared to take the case to court — and we have the trial experience to back it up.
While our firm is based in Florida, we represent homeowners across the country, including:
Wherever your property is located, we know how to navigate the challenges of insurance disputes in both coastal and inland regions.
When your home sustains damage, timing and precision matter. Insurance companies may slow the process, undervalue claims, or deny coverage altogether — even when your policy clearly provides for it.
A homeowners’ insurance attorney at Vishio Watkins & Forry will review your policy, explain your coverage in plain language, and stand up to insurers that delay or underpay.
Don’t let an insurer’s tactics jeopardize your recovery. Contact our residential property damage lawyers today for a case review. Call (239) 703-7210 or complete our online form to get started. Commercial property inquiries are also welcome.
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