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Kowzan Law, PA

Kowzan Law, We Make the Insurance Company Pay!

06/29/2026

The knockout rounds just started. The best comebacks happen when everyone says it's over. ⚽🔥

Your claim was denied.
Your first offer was an insult.
Your carrier stopped responding.

That's halftime. The game is not over.

Florida law gives you tools most homeowners never use:
🔹 The Appraisal Clause — demand a neutral assessment
🔹 The Civil Remedy Notice — put the carrier on formal notice
🔹 The right to litigate — with attorney fees if you win
🔹 Bad faith damages — on top of what they owe you

Share this with someone who gave up on their claim. It might not be too late.

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/28/2026

Water damage is the #1 claim type in Florida. It's also the #1 most mishandled and improperly denied or underpaid by the insurance companies. 💧⚽

3 mistakes Florida homeowners make:

Mistake 1: Waiting to call the carrier.
Florida policies require 'prompt notice.' Report it the same day. Document everything before any cleanup.

Mistake 2: Letting the carrier's restoration company in without documentation.
Get their scope of work IN WRITING before they start.

Mistake 3: Accepting partial payment and signing a release.
A partial payment with a release attached is the carrier closing your file.

When in doubt, contact us before making any major decisions like this. We will provide a free, no-risk claim evaluation and do not get paid unless we get you paid.

Save this. Share it with any Florida homeowner who just had a water loss.

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/27/2026

A yellow card with no explanation gets overturned. A denial letter with no policy citation? Same thing. Make them show their work. 🟨⚽

Tactic 4: THE VAGUE DENIAL LETTER.

You open the envelope: 'After careful review, we have determined your claim does not meet the requirements for coverage.'

No policy section. No exclusion cited. No explanation.

Florida Statute §627.4137 requires insurers to provide written explanations with SPECIFIC policy provisions. A vague letter is itself a violation.

What to do:
✅ Write back and demand the specific policy section in writing
✅ Keep every response (or non-response)
✅ Call an attorney — their silence is evidence

Got a vague denial? Screenshot it and DM me.

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/26/2026

Every homeowner fighting a denied claim is the underdog. ⚽

The carrier has a team of adjusters, in-house lawyers, and claims managers whose entire job is to pay you as little as possible.

You have a kitchen table and a denial letter.

But here's what the World Cup keeps proving: the underdog wins when they're prepared, persistent, and have the right game plan.

That's what we do at Kowzan Law. We level the playing field and are proud to fight for the underdogs.

You don't pay us unless we win.

Let's go. ⚽⚖️

📞 954-591-7702 · ask for Julia · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/25/2026

Imagine if the opposing team got to pick YOUR goalkeeper. That's a managed repair program. ⚽🧤

When your insurance company says 'we'll send our contractor' — that contractor's job is NOT to fix your home correctly. Their job is to fix it cheaply or get paid and then abandon the job. We have seen this countless times and have become experts in combating this tactic.

The result:
→ Roof patched, not replaced — leaks again in 6 months
→ Water damage 'dried out' improperly — mold grows behind walls
→ Carrier says: 'repairs completed, claim closed.'

If their contractor's work caused additional damage — that's a NEW claim.

Did your carrier's contractor make things WORSE? Tell me below 👇

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/24/2026

They said: 'wear and tear.' We said: 'hurricane.' The scoreboard doesn't lie. 🏆⚽

Win of the Week 2. ⚖️

Palm Beach County. Roof claim denied for wear and tear. We hired an independent roofing engineer who documented that the damage was entirely consistent with the specific wind event — not pre-existing wear.

We filed suit. We won.

Final recovery: $41,000.
Carrier's original offer: $0.

The denial letter said 'final.' It was not.

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/23/2026

Your carrier says your roof was already damaged before the storm. Their adjuster also works for your carrier. Interesting coincidence. 🤔⚽

Tactic #3: THE WEAR & TEAR DODGE.

Your roof gets hit by a hurricane. The adjuster comes out. Denial letter: 'Pre-existing wear and tear — not covered.'

Even though the storm just happened.
Even though your roof was fine before.
Even though your neighbor filed the same claim and got paid.

A qualified independent roofer or engineer can almost always prove the damage resulted from the specific storm event.

Do NOT accept a wear-and-tear denial without an independent inspection first.

Was your claim denied for wear and tear? Drop a 🙋 below.

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/22/2026

In soccer there are rules. In Florida insurance law there are rules too — and your carrier just broke them. Here's what §624.155 means for YOU. 🟨⚽

Most homeowners have never heard of Florida Statute §624.155.
Their carriers are counting on that.

Swipe to learn the most powerful tool in Florida insurance law.

Save this. This is the post your carrier doesn't want you to see.

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/21/2026

Nobody accepts the first contract offer.

Not Messi. Not Mbappé. Not you.

That first insurance check is their opening bid and one of their favorite tactics to underpay homeowner claims. ⚽💰

Tactic 2: THE LOWBALL OPENER.

Adjusters are trained — literally trained — to open low and generally act in a manner that is favorable to the carrier. Remember, the carrier's adjuster is not your friend or teammate!

They'll imply the offer might be withdrawn if you don't accept now.
They'll send a check with 'FULL AND FINAL SETTLEMENT' on the memo line.

DO NOT BE PRESSURED BY THIS!

None of that is legally binding until you cash it.

The antidote:
✅ Get a second estimate from an independent contractor
✅ Hire a public adjuster to document the full scope
✅ Call an attorney BEFORE cashing anything

Got a lowball offer? DM me the amount. I'll tell you if it's worth fighting.

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

06/20/2026

Big matches this weekend. ⚽ My legal tip every Florida homeowner needs before storm season peaks. 🌀

If your carrier has requested an Examination Under Oath (EUO) — DO NOT go alone.

An EUO is essentially a deposition. Anything you say can be used to deny your claim.

You have the right to bring an attorney.
You have the right to prepare.

Call me before you walk into that room.

What teams are you watching this weekend? Drop your pick 👇 ⚽

📞 954-591-7702 · Your Home Claim Team, Kowzan Law, P.A., We Make the Insurance Company Pay!™

Address

5079 N Dixie Hgwy. , #252
Fort Lauderdale, FL
3334

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19545917702

Website

http://www.kowzanlaw.com/

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