"My insurance company denied my claim without explanation."
Your insurer assigned a team the moment you filed. Florida law limits how long you have to fight back. One call is all it takes.
When Insurance Fails, We Fight.
No attorney fees unless we recover.
What We Handle
Our primary focus is property damage: denied, delayed, and underpaid claims. We also represent clients in personal injury, workers' compensation, and third-party liability disputes against insurance carriers throughout Florida.
What We Handle
Our primary focus is property damage: denied, delayed, and underpaid claims. We also represent clients in personal injury, workers' compensation, and third-party liability disputes against insurance carriers throughout Florida.
We represent Florida policyholders. Never insurance companies.
Pedraza Law, P.A. is a Fort Lauderdale firm founded by attorney Malcolm Pedraza, fighting denied, delayed, and underpaid property, injury, and workers' compensation claims. Free case reviews, and no attorney fees unless we win (case costs may apply).
Malcolm Robert Pedraza
Managing Partner, Pedraza Law, P.A.
Malcolm Pedraza built Pedraza Law around one purpose: representing policyholders in disputes with their insurance companies, never the insurers. He understands how carriers build their defense: the exclusions they cite, the engineers they hire, the adjusters they deploy. That knowledge shapes every case he takes, and the firm exists to pursue the full value of every policyholder's claim.
Discuss Your Claim With Malcolm“Every client I take on works directly with me. When your insurer assigns a team to minimize your claim, I take that personally.”
Malcolm R. Pedraza, Esq.
Do not sign anything. Call us first.
From the moment you file, your insurer assigns a team: adjusters, engineers, and attorneys, all working to minimize what they owe you. A denial or a lowball offer is not the final word. It's where we start.
Every review is free. We take cases on contingency, with no attorney fees unless we win. Case costs may apply.
Request a Free Case Review
Questions? Read this first.
The questions Florida homeowners ask most often about property insurance claims and working with an attorney.
Do I have to pay anything upfront to hire Pedraza Law?
No. We work on a contingency fee basis, with no attorney fees unless we win. Case costs may apply. There is no retainer, no hourly fee, and no surprise invoices regardless of how long your case takes.
What percentage does Pedraza Law take if you win?
Our fee is contingency based, with no attorney fees unless we win. Case costs may apply. The exact percentage is explained in writing before we begin and varies depending on whether your case resolves at the negotiation stage or requires litigation. There is no retainer and no hourly billing.
My insurance claim was denied. How long do I have to act?
In Florida, you generally have five years from the date of loss to file a lawsuit under a written property insurance contract. However, waiting can hurt your case. Evidence fades, documentation weakens, and some policy provisions carry shorter internal deadlines. The sooner you reach out, the stronger your position.
What is the difference between a denied claim and an underpaid claim?
A denied claim is one the insurance company refuses to pay entirely. An underpaid claim is one where they pay something, but far less than your actual damages. Both are disputes we handle, and both are often the result of the insurer using tactics designed to minimize what they owe you.
Do I need an attorney, or can I handle this myself?
You have the right to handle your own claim, but insurance companies have experienced adjusters and legal teams whose job is to pay as little as possible. Having an attorney changes that dynamic. We know how insurers build their case, and we document the full value of yours to push back against tactics designed to minimize it.
Does Pedraza Law handle cases outside of Broward County?
Yes. Our office is based in Fort Lauderdale, but we represent clients throughout South Florida, including Miami-Dade and Palm Beach Counties. Call us for a free case review and we will let you know if we can help.
Questions? Read this first.
The questions Florida homeowners ask most often about property insurance claims and working with an attorney.
Do I have to pay anything upfront to hire Pedraza Law?
No. We work on a contingency fee basis, with no attorney fees unless we win. Case costs may apply. There is no retainer, no hourly fee, and no surprise invoices regardless of how long your case takes.
What percentage does Pedraza Law take if you win?
Our fee is contingency based, with no attorney fees unless we win. Case costs may apply. The exact percentage is explained in writing before we begin and varies depending on whether your case resolves at the negotiation stage or requires litigation. There is no retainer and no hourly billing.
My insurance claim was denied. How long do I have to act?
In Florida, you generally have five years from the date of loss to file a lawsuit under a written property insurance contract. However, waiting can hurt your case. Evidence fades, documentation weakens, and some policy provisions carry shorter internal deadlines. The sooner you reach out, the stronger your position.
What is the difference between a denied claim and an underpaid claim?
A denied claim is one the insurance company refuses to pay entirely. An underpaid claim is one where they pay something, but far less than your actual damages. Both are disputes we handle, and both are often the result of the insurer using tactics designed to minimize what they owe you.
Do I need an attorney, or can I handle this myself?
You have the right to handle your own claim, but insurance companies have experienced adjusters and legal teams whose job is to pay as little as possible. Having an attorney changes that dynamic. We know how insurers build their case, and we document the full value of yours to push back against tactics designed to minimize it.
Does Pedraza Law handle cases outside of Broward County?
Yes. Our office is based in Fort Lauderdale, but we represent clients throughout South Florida, including Miami-Dade and Palm Beach Counties. Call us for a free case review and we will let you know if we can help.