Personal Damage Insurance Disputes

Protecting Your Rights and Recovery

Disputes with insurance companies over personal damage claims can be frustrating and overwhelming. When you’ve experienced damage to your personal property and your insurer is refusing to pay what you’re owed, you need a skilled legal team to advocate for your rights. At BCN Law Firm, our experienced attorneys are here to help you navigate personal damage insurance disputes and secure the compensation you deserve.

Resolve Personal Damage Insurance Disputes with Confidence

When insurance companies delay, deny, or undervalue your personal damage claim, you need a trusted advocate on your side. At BCN Law Firm, our experienced attorneys specialize in resolving personal damage insurance disputes, ensuring you receive the compensation you deserve. Let us guide you through the process with expert care and personalized solutions tailored to your unique situation.

352-394-2103

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What is Personal Damage?

Personal damage refers to harm caused to your possessions, whether through negligence, intentional acts, or natural disasters. Common examples include:

Automobile Damage: Repairs or replacement after an accident or vandalism.
Home Contents Damage: Harm to furniture, electronics, or other belongings due to fire, flood, or theft.
Sentimental or Unique Items: Loss or damage to heirlooms, photographs, or personal valuables that hold sentimental value.

Challenges in Personal Damage Insurance Disputes

Insurance companies often delay, deny, or undervalue personal damage claims, leaving policyholders struggling to recover. Common issues include:

Low Settlement Offers: Insurers may undervalue the cost of repairs or replacements.
Claim Denials: Claims may be denied based on technicalities or insufficient evidence.
Delays in Processing: Lengthy delays can leave you without the resources to repair or replace your property.

How BCN Law Firm Can Help With Your Personal Damage Insurance Dispute

Evaluate Your Claim

We’ll assess your policy, claim details, and the insurer’s response to determine your best course of action.

Challenge Denials

If your claim has been denied, we’ll review the denial and fight to have your claim reconsidered.

Maximize Compensation

We’ll ensure the true value of your property is reflected in your settlement, including replacement costs, repairs, and loss of use.

Handle Negotiations

Let us deal with the insurance company on your behalf, so you can focus on recovering from your loss.

Frequently Asked Questions About Personal Damage Insurance Disputes

Contact an attorney immediately. We can review your policy and denial letter to identify any errors or bad faith practices by the insurer.

Yes, you have the right to challenge an offer if it doesn’t cover the full extent of your loss. We can negotiate with your insurer to secure a fair settlement.

The value of your property may be based on replacement cost, repair cost, or loss of use. For unique or sentimental items, subjective testimony or appraisals may be used.

Contact BCN Law Firm for Help with Personal Damage Insurance Disputes

Don’t let insurance companies take advantage of you during a difficult time. Contact BCN Law Firm today for a free consultation, and let us fight for the compensation you deserve.

352-394-2103

Meet Our Dedicated Attorneys

Legal Team Ready to Fight for Your Rights

Wade Boyette, J.D., LLM.

Partner

Bankruptcy, Estate Planning, Foreclosure Defense, Probate

Wade Boyette, J.D., LLM. Wade Boyette, J.D., LLM, was born in Estill, South Carolina, in…

Heath B. Nailos, J.D.

Partner

Auto Accidents, Personal Injury

Heath B. Nailos, J.D. Heath B. Nailos, J.D. was born in 1969 in Atlanta, Georgia,…

Kristin Cummins Nailos, J.D.

O.F. Counsel

Real Estate

Kristin Cummins Nailos, J.D. Was born in 1970 in Leesburg, Florida and has resided in…

Ken Costello, J.D.

Partner

Bankruptcy, Estate Planning, Foreclosure Defense, Probate

Ken Costello, J.D. Ken Costello is an associate at Boyette, Cummins & Nailos, PLLC. His…

Michelle C. Bottex, J.D.

Attorney

Criminal Law, Family Law

Michelle C. Bottex, J.D. Ms. Bottex earned a Bachelor of Arts degree in Business Administration…

Norman C. Cummins, J.D.

Legacy Partner

Norman C. Cummins, J.D. Was born in 1938 in Louisville, Kentucky. He received his Bachelor…

Michelle Ha

Attorney

Business Law, Estate Planning, Probate, Real Estate

Michelle T. Ha Michelle T. Ha is an associate attorney and is licensed to practice…

Meet All Attorneys

5-Star Reviews from Satisfied Clients

Our Clients Appreciate Our Dedication and Expertise

BCN Law Firm

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Trina Ball

We recently used this lawyers office and highly recommend them. Always great service and friendly smiles every time we went to the office.

Don and Janet Beasley

We have been with this firm for many years for a variety of legal needs. Once again, in 2025, they succeeded to be knowledgeable, courteous, efficient, and deliver results in a timely manner. Thanks team for always being there for us!

Robert Duguay

My experience with this firm was nothing short of exceptional. Wade was on time, on target, highly knowledeable, and extremely helpful. I went through two other firms before finding BCN and I can't recommend BCN enough. What a pleasure.

Simon

I can’t say enough good things about BCN Law Firm. Wade Boyette and his team are professional, knowledgeable, and truly care about their clients. They go above and beyond to provide clear guidance and make sure you feel confident every step of the way. Their reputation in the community speaks for itself, and after my experience, I can see why. Highly recommend Wade and the entire team at Boyette Cummins Nailos if you’re looking for trusted legal support

Erik Poston

⭐️⭐️⭐️⭐️⭐️
Heath is one of the most reliable, trustworthy professionals I’ve ever worked with. He genuinely cares about his clients and goes the extra mile to make sure you feel heard and protected every step of the way. His communication, integrity, and deep understanding of the law are unmatched. I’m a small business owner and it means the world when someone treats you with that kind of personal care and respect. Thank you, Heath — I’ll always recommend you first.

— Erik Poston

Thomas English

I have worked with the BCN Law Firm on dozens of projects over the years, from estate planning to real estate closings and an auto accident. My files have always been handled with professionalism and honesty. I value their advice and trust them to do what is best for me.

Maryann Mahoney

The staff is friendly and eager to help. Wade Boyette was a delight, knows his business and got done in a timely matter, what I needed.

Lois Carr

Polite, knowledgeable and thorough. Our attorney was prepared for our visit. We were treated with respect.

Robert Miner

I was referred to Wade Boyette by my investment advisor, Jean Dorrell, after moving to Florida and needing to set up a Trust and update my Will. Before deciding to work with Wade, I did my due diligence — reviewing his Better Business Bureau rating and reading online reviews — all of which were overwhelmingly positive, and now I see why.

From our first meeting, I was very impressed with Wade’s knowledge, professionalism, and ability to clearly explain the legal process. He answered all my questions thoroughly and offered thoughtful advice tailored to my situation. He handled the setup of my Trust and the update to my Will efficiently and in a timely manner.

I highly recommend Wade Boyette to anyone in need of reliable and experienced legal services.