Insurance company delaying, denying, or lowballing your claim? We fight until you get paid what you’re owed.
24/7 Direct Attorney Access ◆ 40+ Years of Combined Experience ◆ Licensed in FL, CO & IL
Years of Combined Experience
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Recovered Over the Last 10 Years
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Grande Law is a boutique criminal defense and personal injury law firm with offices in Miami, FL and Steamboat Springs, CO. Founded by managing partners Stacy Marczak-Grande and Danny Grande, they bring over 40 years of combined legal experience across criminal defense, family law, personal injury, civil litigation, and property damage claims.
What separates Grande Law from larger firms is straightforward: when you call, Stacy or Danny picks up. Not an AI, not an assistant, not a paralegal. That 24/7 direct attorney access is not a marketing line, it is how the firm operates every day.
Miami-Dade’s climate and building stock create a unique set of risks for property owners, and insurers know it. Hurricane season brings tropical storm and hurricane-force winds capable of ripping off roofs, shattering windows, and driving rain deep into a structure. Storm surge and heavy rainfall lead to flooding that can overwhelm drainage systems in low-lying neighborhoods, while South Florida’s humidity accelerates water intrusion and mold growth long after the storm has passed.
Miami’s dense mix of high-rise condos and multi-unit buildings adds another layer of complexity. When damage strikes a condo or HOA community, it isn’t always clear whether the building’s master policy or the individual unit owner’s policy is responsible, and insurers on both sides sometimes point fingers rather than pay. Add in an aging electrical grid in some of the city’s older neighborhoods, which raises fire and smoke risk, and it’s easy to see why so many Miami property owners end up in a dispute with their insurance company instead of a straightforward payout.
When you file a claim, an adjuster inspects the damage and puts together an estimate using the insurer’s own pricing systems and preferred vendors, not necessarily what it would actually cost you to repair or rebuild. One of the biggest points of dispute is whether your policy pays actual cash value, the depreciated worth of your property at the time of loss, or replacement cost value, what it costs to repair or replace the item with something comparable today. The difference between the two can be significant, and insurers don’t always make it clear which one applies to your claim.
Insurers also lean on repair-versus-replace decisions to keep costs down, sometimes recommending a patch job when the underlying damage calls for a full replacement. And when a claim doesn’t add up in the insurer’s favor, delay, lowball offers, and outright denial are common tactics, whether that means disputing the cause of the damage, arguing an exclusion applies, or simply taking longer than the law allows to respond. Grande Law reviews your policy language and the adjuster’s findings, brings in independent estimates when needed, and pushes back when an insurer’s number doesn’t reflect the real cost of your loss.
Grande Law represents Miami property owners in two core areas of property damage law: property insurance litigation and hurricane damage claims. Whether your insurer denied your claim outright, offered far less than it’s worth, or dragged out the process for months, we can help.
We take on disputes with insurance companies over how a claim was handled, valued, or denied, including:
Florida’s hurricane season brings its own set of insurance disputes, and we regularly help clients with:
When you call Grande Law, you speak with Stacy or Danny directly, not an assistant, answering service, or AI chatbot. That means real answers about your claim from the person actually handling your case, any time you need them.
Stacy Marczak-Grande and Danny Grande bring more than four decades of combined legal experience to every property damage claim. That depth of experience means we’ve seen the tactics insurance companies use and know how to counter them.
We’ve helped thousands of clients navigate disputes with their insurance companies and come out the other side with the compensation they were owed. Our track record reflects a firm that knows how to get results, not just file paperwork.
Over the past decade, Grande Law has recovered more than $50 million for our clients across practice areas. When your insurer is playing hardball, having a firm with a proven recovery record on your side matters.
Our multi-state licensure, including admission to federal courts, means we bring broad legal experience to every Florida property damage case we take on. It also means we can step in seamlessly if your situation crosses state lines.
As a boutique firm, we keep our caseload manageable so every client gets real attention, not a rotating cast of paralegals. You’ll always know who’s handling your case and how it’s progressing.
Every property damage claim is different. These results reflect the level of preparation and advocacy Grande Law brings to every matter.
Past results do not guarantee a similar outcome. Each case is unique and evaluated on its own facts and circumstances.
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We start with a free, no-obligation conversation about what happened, your policy, and where your claim currently stands.
We help you gather photos, estimates, and records, and make sure your claim is reported promptly and correctly.
We bring in contractors, engineers, or other experts when needed to build an accurate, independent picture of your loss.
We handle all communication with the adjuster and push back against lowball offers, delays, or denials.
If the insurer still won’t offer a fair settlement, we’re prepared to take your case to court to get you the payout you’re owed.
“Danny has been a Godsend. He’s a passionate attorney who was always on point and compassionately guided me through all stages of my case. I consider him more than my attorney, something closer to family. If you are in the market for an attorney, please do not hesitate to hire Danny and his staff. He is truly an amazing human being who runs an exceptional law firm.”
“All of my questions were answered in a manner that never made me feel stupid or like I was being an inconvenience. Grande Law thoroughly reviewed all the officer’s body cam videos and discovered irregularities and discrepancies that many attorneys may have glossed over. This attention to detail allowed me to keep my license and live a normal life. Thank you Grande Law!”
“I had a wonderful experience working with Grande Law. They’re always available when I had questions and took the time to explain everything clearly in a way I could understand. Their professionalism, dedication, and communication made the whole process much less stressful.”
Common questions about property damage claims in Miami and how Grande Law can help.
Florida law gives property owners two years from the date of loss to file a property insurance claim lawsuit under Florida Statute §95.11(4)(g) for incidents occurring after March 24, 2023. Missing this window can mean losing your right to recover, so it’s important to speak with an attorney as soon as a dispute arises.
Under Florida Statute §624.155, an insurer acts in bad faith when it fails to settle a valid claim in good faith, unreasonably delays payment, or denies a claim without a legitimate basis. Bad faith claims can allow you to recover compensation beyond your original policy benefits.
Yes, especially if the offer seems low or doesn’t account for the full scope of the damage. Insurers often use initial estimates that favor their bottom line, and an attorney can review the offer against an independent assessment of your loss.
Photos and videos of the damage, repair estimates and invoices, receipts for damaged items, contractor or engineer reports, and a record of every call, email, or letter with your insurer. The more complete your documentation, the harder it is for an adjuster to dispute your claim.
Timelines vary depending on the extent of the damage, how quickly the claim was reported, and whether the insurer disputes coverage. Straightforward claims can resolve in a few months, while denied or underpaid claims that require litigation can take considerably longer.
In Miami’s many condo and high-rise buildings, coverage often splits between the association’s master policy and the unit owner’s individual policy, and figuring out which one applies is a common source of disputes. An attorney can review both policies to determine where your claim belongs and pursue whichever insurer is responsible.
If your property damage claim was denied, delayed, or underpaid, Grande Law is ready to fight for the payout you’re owed.
Reach out today, Stacy or Danny will be in touch directly.
Your information stays confidential.
Danny Grande is based in Miami and regularly handles property insurance disputes in Miami-Dade courts. Grande Law represents property owners across South Florida and statewide, and when your case requires it, across Colorado and Illinois as well.
Danny is based in Miami and knows how local insurers operate.