Insurance Claim Assistance

From property damage to denied or underpaid claims, Lightman & Fields helps policyholders navigate the insurance process and pursue the full settlement they’re owed. Our team reviews your claim, documents the loss, and negotiates directly with the carrier—so you’re not taking on the insurance company alone.

We provide claim review and support for residential and commercial property claims across Florida, Georgia, and North Carolina.

Property Damage Claims

Property damage claims can get complicated fast—especially when the scope of repairs, code upgrades, and replacement costs are disputed. We help by reviewing your policy, documenting damages, and presenting a clear, well-supported claim so the carrier can’t minimize what’s owed. If your claim is delayed, denied, or underpaid, we help you push it forward.

Storm Damage

Storms can cause roof damage, wind-driven rain intrusion, broken windows, and hidden structural issues that worsen over time. We help identify both obvious and concealed damage, organize repair documentation, and support a claim that reflects the true cost to restore the property—not just a quick patch.

Catastrophe / Hurricanes

After a major storm event, insurers often face high claim volume and tighter scrutiny—leading to delays, low initial offers, or missed items. We help you assemble a thorough claim package, validate the scope, and support negotiations so your settlement matches the real restoration needs.

Fire / Smoke Damage

Fire losses aren’t limited to what burned. Smoke, soot, odor, and water used to extinguish the fire can damage materials, HVAC systems, and personal property. We help document the full extent of the loss and support the claim with the right level of detail so nothing critical is overlooked.

Flood Damage

Flood-related losses can involve multiple sources (storm surge, rising water, drainage issues) and may require separate coverage considerations depending on the policy. We help you organize documentation, clarify what applies to your situation, and support the claim process so the scope and costs are accurately represented.

Busted Pipes / Water Damage

A burst pipe can lead to rapid water intrusion, damaged drywall and flooring, mold risk, and long-term structural issues if not handled correctly. We help document the cause and extent of damage, support proper drying/mitigation scope, and ensure repairs and replacements are fully accounted for in the claim.

Property Theft / Vandalism

Theft claims often hinge on proof of ownership, valuation, and documentation. We help you organize inventories, receipts/photos where available, and support a claim submission that’s clear, complete, and harder to dispute.

Denied or Underpaid Claims

A denial or low offer doesn’t always mean the claim is over. We help review the carrier’s reasoning, compare it to your policy and documented damages, and support next steps to pursue a fair outcome—especially when key line items were missed or undervalued.