Should your insurance company tell you that there is no coverage for your claim, be sure to have your claim reviewed by an experienced Florida insurance lawyer. Do not take no for an answer. Just because an insurance adjuster or insurance company denies your claim does not mean that they are right.
Likewise, you should always get a second opinion as to the amount of your damages. Do not rely on the insurance company for the full value of your damages. Seek the help of a Florida Public Adjuster or a Florida licensed general contractor to review the insurance company's repair estimate.
Finally, seek the help of a Florida insurance lawyer if the insurance company wants you to give a written statement or submit to an examination under oath (EUO). Do not decide to take on the insurance company by yourself. The insurance company will have a lawyer advising it every step of the way during the claims process, and so should you.