Representing clients throughout the State of Florida
Florida Insurance Claims and Injury Attorney
Denied, delayed or underpaid? We take on Florida insurers.
For 27 years, attorney Christian Carrazana has represented Florida homeowners, injured drivers and accident victims against the insurance companies that owe them.
27 years
practicing law in the State of Florida
Statewide
Representing clients in every corner of Florida
Trial & appeal
Pre-suit, trial and appellate work under one roof
Free review
Talk to us before you talk to the adjuster again
Practice areas
We represent policyholders and injured people, not insurance companies. Every case below starts the same way: a careful read of your policy and the facts, then a clear plan.
Homeowner's Insurance Claims
Hurricane, windstorm, roof, water, mold and fire losses that your insurer denied, delayed or underpaid. We dig into the policy, document the full loss and push the carrier to pay what it promised.
PIP (Personal Injury Protection)
Florida’s no-fault coverage pays up to $10,000 in medical bills and lost wages after a crash. When the carrier cuts off benefits, disputes medical necessity or pays late, we hold it to the statute.
Bodily Injury (BI)
When a negligent driver causes serious injury, the bodily injury claim covers what PIP will not: pain and suffering, future medical care and lost earning capacity. We build that claim and pursue its full value.
Appellate
Insurance cases are often decided on appeal. We handle appeals before Florida’s District Courts of Appeal, and defend favorable judgments when an insurer tries to overturn them.
27 years of holding insurers to their word
Christian Carrazana has practiced law in Florida for 27 years, and his work centers on one fight: making insurance companies honor the coverage people paid for.
Homeowners facing storm damage, drivers hurt in crashes and clients whose cases need a second look on appeal all get the same thing: a lawyer who knows how carriers build a denial, and how to take one apart.
- Focused on insurance disputes: property, PIP and bodily injury
- Pre-suit, trial and appellate experience in one office
- Plain answers about your policy, your deadlines and your options
- Representing clients throughout the State of Florida
Christian Carrazana, Attorney at Law. University of Miami School of Law.
What happens when you call
Most clients reach us after a denial letter, a lowball offer or months of silence. Here is how we take it from there.
We review your case at no cost
Share your denial letter, your policy and what happened. We tell you plainly whether you have a claim worth pursuing and what it could involve.
We take over with the insurer
We gather estimates, medical records and evidence, meet the pre-suit notice requirements Florida law imposes, and handle every call with the adjuster.
We push it to resolution
We negotiate from a position of strength, file suit when the carrier will not move, and carry the case through appeal when that is what it takes.
Signs your insurer is not playing fair
If any of this sounds familiar, call before you sign anything or give a recorded statement. Florida claim deadlines are short, and early moves matter.
- A denial letter with little or no explanation
- A payment far below your contractor's estimate
- Months of delays and repeated document requests
- PIP benefits cut off after an insurer's medical exam
- Pressure to settle fast or sign a release
- A request for a recorded statement before you get advice
Common questions
General information about Florida law. Every case is different, so treat this as a starting point, not legal advice.
How long do I have to report a homeowner's insurance claim in Florida?
Under Florida law, notice of a new or reopened property insurance claim generally must be given to your insurer within one year of the date of loss, and a supplemental claim within 18 months. These deadlines are strict, so it is worth talking to a lawyer as soon as a claim stalls.
My insurer denied or underpaid my storm damage claim. What now?
Do not assume the denial is final. Keep the denial letter, your photos and any contractor estimates, and avoid signing a release. We review the policy language and the adjuster’s reasoning, then advise you on the strongest next step.
What does PIP cover, and do I need treatment within 14 days?
Florida PIP pays a percentage of medical expenses and lost wages up to $10,000, regardless of fault. To qualify, you generally must receive initial medical treatment within 14 days of the accident, and the full $10,000 is available only when a qualified provider finds an emergency medical condition.
What is the difference between a PIP claim and a bodily injury claim?
PIP is your own no-fault coverage for medical bills and lost wages. A bodily injury claim is made against the at-fault driver’s liability coverage and can include damages PIP does not cover, such as pain and suffering and future care.
How long do I have to file an injury lawsuit in Florida?
For most negligence cases arising after March 24, 2023, Florida’s statute of limitations is two years from the date of the accident. Some cases follow different rules, so call us to confirm the deadline for yours.
I lost at trial, or the insurer appealed my win. Can you help?
Yes. Appellate work is one of our practice areas. In Florida, a notice of appeal is generally due within 30 days of the order being appealed, so reach out right away.
Do you only handle cases in one part of Florida?
No. We represent clients throughout the State of Florida.
Free case review
Tell us what happened.
Send a few details and we will review your situation. For anything urgent, call the office directly.
- Office: 305.677.3559
- Fax: (786) 364-7477
- carrazanalaw@gmail.com
- 1612 Redfin Drive, Poinciana, FL 34759
- Serving clients throughout the State of Florida
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Carrazana Law
Homeowner’s insurance, PIP, bodily injury and appellate law. Representing clients throughout the State of Florida.
- 305.677.3559
- Fax (786) 364-7477
- carrazanalaw@gmail.com
- 1612 Redfin Drive, Poinciana, FL 34759
© 2026 Carrazana Law. All rights reserved. The information on this website is for general information only and is not legal advice. Contacting the firm does not create an attorney-client relationship. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Photographs are for illustration only.