Full Service Law Firm
We’re more than your attorneys—we’re your trusted allies.
Our team will protect you, your family, and your assets.
Tighe P.A. has emerged as one of the most agile, forward-thinking law firms in Florida and nationwide. We’re one of the preeminent insurance law firms in the state of Florida, focused on assisting property owners in insurance disputes. These disputes frequently occur following hurricanes and other severe weather events, as insurance companies often become adversarial after a claim is made. You’ll regularly find our founding partner, Mr. Daniel C. Tighe, and our other attorneys battling the most powerful insurance companies in the country for our clients.
In addition to property damage matters, we also assist individuals and families with personal injury claims, such as pedestrian and bicycle accidents, car accidents, truck accidents, slip and fall cases, and so much more. Contact our office today to discuss your current legal concerns to see if Tighe P.A. can help. At Tighe P.A., we’ve got you covered.
“Although I am humbled by the honor of being recognized by my peers in the legal community, the biggest rewards for me are the many thank-you calls and letters from clients who can now repair their home or reopen their business.”
Daniel Tighe, Esq. - Founding Partner
Why Choose Us
Why do clients love us?
- A full service law firm that gets results
- We’re quick to respond to our clients’ needs
- We keep each client informed and updated on their case
- Our clients are people, not just case numbers
- We deliver the right legal services and solutions for you
Our Experience Counts
Successfully navigating complex legal issues requires a team with the right combination of knowledge, skills, and ability. Floridians in the know will tell you, Tighe P.A. is the firm to call when you need assistance to protect your family and finances.
Having been successful in thousands of cases and overturned thousands of underpaid and denied claims into successful settlements, we have the confidence and experience to succeed on even the most complex insurance disputes and personal injury claims.
We can handle the entire process on your behalf—from the opening consultation to the resolution of your case, we are ready to commit all our resources to your case, fighting in court if necessary to get you the recovery you deserve.
A Law Firm With Empathy
When you are facing a legal battle against a big company, it can be difficult to know where to turn for help.
Engaging legal counsel can be daunting, especially if you’ve never needed to before. With Tighe P.A., you can rest assured that you have a powerful ally on your side who will work aggressively to advance your case. We work with integrity, honesty, and professionalism to support and guide you through the legal process to achieve the best possible outcome for you.
To learn more about our services and how we can help you with your case, give us a call today. At Tighe P.A., we’re more than your attorneys—we’re your allies.
Our attorneys have been featured in:
Insurance Claims and Disputes FAQ
My house was damaged and I have a loss. Where do I start?
The first thing you should do is to get the insurance policy. If you have multiple policies (such as an additional flood policy or wind damage policy), get them all. Next, take pictures and video of the damage from multiple angles and distances, including close ups of the damage. You must also take reasonable steps to protect your property from further damage. It will also be a good idea to contact contractors so you can have them inspect your property and provide estimates to find the cost and scope of repairs.
What if I can’t find my insurance policy?
Ask and write your agent for a copy of the policy if you do not have one and get the name of your insurance company, your policy number, and telephone number for the company.
What is the next step?
Once your policy is in hand, reach out to your insurance carrier (or carriers) to report the loss and initiate the claims process. Do this when you first learn of the damage. You are required to report the loss promptly even if you believe that the damage your property received will not meet your deductible. Report the damage to all of your insurance carriers, and to be safe you should also provide notification in writing by also sending a letter to your carrier(s).
What will my insurer ask me and what should I tell them when I report the loss?
Obviously, the first thing an insurer will want to know when you report property damage is what was damaged, what caused the damage, and when the incident or loss event occurred. If you have taken any steps or bought any materials to prevent further damage or have hired anyone to help with repairs, KEEP ALL OF YOUR RECEIPTS.
Is the damage to my property even covered by my insurance policy?
If you are not sure whether the cause of the loss is covered, we recommend you call an attorney first. Hurricane and fire claims generally are easily covered and should pose no problem. However, some agents erroneously tell their customers that a particular cause of loss is excluded from coverage because the agent does not fully understand the language used in the policy, and sometimes the policyholder fails to give an accurate description of the loss and the event which led to the loss.
How much does it cost to hire your firm for an insurance dispute?
Our firm handles virtually every insurance claim case on a contingency basis. Under our standard contingency fee agreement, if there is no recovery, there are no fees or costs owed to Tighe, P.A.
If we lose, we work for you for free. If we prevail, then the insurance company may have to cover our attorneys’ fees and costs. Either way, you get legal representation for your claim dispute free of charge.
Our law-firm also advances the costs associated with your case such as the court filing fee, hiring independent loss consultants, etc. If you are not sure if we can help you, give us a call and speak to one of our friendly staff who will gladly answer all of your questions.
Other firms ask for a larger percentage of the settlement than your firm. Why?
Florida law provides that if a policyholder sues his/her/its insurance company, to recover on a Florida issued policy, the insurance company must pay a reasonable attorney’s fee as well as statutory fees if the insured is successful in ta
That’s easy! Contact us if you have any questions about your property damage or insurance claim.
To reach us:
Toll free in Florida – 1.855.567.7776 (1-855-LOSSPRO)
E-mail at info@tighepa.com
We look forward to speaking to you!
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After handling thousands of insurance claim disputes, we feel that the amount we ask for is fair, and is sufficient to allow us to prepare for and effectively litigate. Other firms may feel differently.
The problem(s) I have are not addressed in your FAQ. How can I get help?
That’s easy! Contact us if you have any questions about your property damage or insurance claim.
To reach us:
Toll free in Florida – 1.855.567.7776 (1-855-LOSSPRO)
E-mail at info@tighepa.com
We look forward to speaking to you!
How long does the insurance company have to pay my claim?
In Florida, an insurance carrier is required to pay or deny your claim within 90 days of you submitting your claim. If you do not receive a check within 90 days, the insurance company may be wrongfully delaying your claim. This is illegal.
Depending on the particular circumstances, your insurance company might even have to pay penalty interest fees if it is found that they wrongfully delayed resolving your claim.
If you have submitted a claim but have not received a settlement offer or a denial, it might be time to seek the aid of an experienced hurricane insurance and property damage claim attorney.
What does Actual Cash Value (ACV) mean?
In the insurance industry, Actual Cash Value, or ACV, is the amount of money you would need to repair or replace the damaged property, minus depreciation.
There is no exact measure to determine what ACV would be in an insured loss, and Florida law allows for various methodologies to be used by insurers to help them to determine ACV.
What does Replacement Cost Value (RCV) mean?
Whereas the Actual Cash Value takes depreciation into account, Replacement Cost Value (RCV) is purely the cost to repair or replace the damaged property and DOES NOT take depreciation into account.
Can my insurer deny my insurance claim without performing an investigation?
No. An insurance company is simply not allowed to deny an insured’s claim without conducting a complete and reasonable investigation based upon all the available facts and information.
What must a insurance company provide if they deny my insurance claim?
In the state of Florida an insurance company is required to provide, in writing, a prompt and reasonable explanation to the insured which explains the basis in the insurance policy, in relation to the specific facts and /or applicable laws, for the denial of the claim.
What happens if my home is uninhabitable after a hurricane?
The majority of homeowners insurance policies in Florida provide coverage for “additional living expenses” in the insured loss event has rendered your home uninhabitable.
Typically, these expenses cover the cost of a hotel or rental home while your home is being rebuilt. Other “additional living expenses” which are likely to be covered include meals eaten while taking care of rebuild-related tasks, moving costs, pet boarding fees, and other expenses you incurred in order to fix the property.
My Insurer wants me to speak to their Special Investigative Unit about my claim. What does that mean?
In short, it means take caution. An insurance company S.I.U. (Special Investigative Unit) is typically the team devoted to investigating suspected fraud. This team’s job is to investigate the policyholder as much as the actual loss. In all cases where your “adjuster” was assigned by your insurer’s S.I.U., you should seek legal advice at the earliest opportunity. If you find out that the S.I.U. is involved while in a meeting with your insurance company, ask to reschedule and contact an attorney for advice.
You have problems, we have smart, effective solutions. Free consultation.
Empathetic, client-focused—a new type of law firm. To get started, simply provide us with some basic information. We will evaluate your case and let you know how we can assist you. It’s easy to schedule a free consultation.
