“Genaro went through the denial letter with me in Spanish, line by line, at my own kitchen table. Nobody at the insurance company had done that.”
Fidelia M.Homeowner, Cape Coral
For policyholders · English and Spanish
Your insurer sent a letter. Let's read it together.
We represent Southwest Florida homeowners and small landlords whose hurricane, wind, water or fire claims were denied, delayed or paid short. We work for policyholders, never for insurance companies.
- Policyholders onlyNever for insurers
- No fee unless we recoverA share of what we collect
- We read your letter firstBring the policy too
- English and SpanishAsk for Genaro or Ysabel
No fee unless money is recovered. Case costs, such as expert reports, appraisal and filing fees, can still be owed; your fee agreement says which, and who advances them.
After the first no
Four sample matters, written the way we report a result: what was offered, what was paid, and what changed in between.
$68,900 paid
Roof and ceilings after a hurricane
The first offer was $14,200. An engineer's report and an appraisal moved it.
2025
Denial withdrawn
Water damage called wear and tear
The policy covered sudden leaks. A plumber's report and the policy's own words did the work.
2024
$41,300 paid
Kitchen fire, smoke and contents
The insurer paid for the kitchen only. Smoke cleaning and the contents list were added.
2024
Claim reopened
Screen enclosure and lanai, windstorm
Closed with no payment. Reopened after a second inspection with the homeowner present.
2023
These are sample matters, not promises. Every claim turns on its own policy and facts, and past results don't predict the outcome of yours. Dollar figures are what the insurer paid, before fees and costs.
Which letter did you get?
Pick the one that sounds like yours.
Denied or underpaid
The insurer says the damage isn't covered, or pays less than the repair costs.
Denied claims
Storm and water damage
Wind, rain, hail and leaks, from the first adjuster visit to the last payment.
Storm damage
From the kitchen table
“They asked for the policy before they asked for the photos. When I saw how many pages we had both read, I trusted them.”
Cecilio R.Homeowner, Lehigh Acres
“I called four times in one month and every call was returned the same day by someone who knew my file.”
Eustacia B.Landlord, Fort Myers Beach
Sample testimonials. Each client's case is different, and what happened for one person doesn't predict what will happen for another.
Who reads your policy
Evangeline leads the firm. Genaro and Ysabel work in English and Spanish.
Evangeline Pellegrin
Founding partner
Leads the firm and every large property claim. Admitted in Florida and Georgia.
Genaro Ledesma
Partner
Takes first calls in English and Spanish and handles denied and underpaid claims.
Ysabel Zubiri
Associate
Builds the claim file: estimates, engineer reports and the insurer's own notes. Works in Spanish and English.
Before you call
The five things people ask first.
Does a denial mean I have no claim?
Not always. Insurers deny claims for reasons that turn out to be wrong, incomplete or not in the policy at all. We read the letter and the policy together before we say anything about your chances.
What does it cost to talk to you?
The first call and the review of your letter cost nothing. If we take the claim, we're paid a share of what we recover, and your fee agreement explains costs before you sign. If we recover nothing you owe no fee, though some case costs may still be owed.
I already hired a public adjuster. Can you still help?
Often, yes. Bring the contract you signed with your adjuster and we'll tell you how the two fit together.
Can I talk to someone in Spanish?
Yes. Genaro Ledesma and Ysabel Zubiri work in Spanish and English, and calls and the form can be in either language.
How long do I have?
Policies and the law set deadlines to dispute a claim, demand an appraisal or file a lawsuit, and they are shorter than most people expect. If you have a letter, send it now, even if you're not sure you'll hire anyone.
Send the letter, and the policy if you have it
Tell us what the insurer said. We'll tell you, in plain words, what we see and whether we can help.