DeMiles Law

05/27/2026

https://www.wptv.com/wptv-investigates/citizens-arbitration-system-faces-constitutional-challenge-after-miami-judges-ruling?fbclid=IwdGRjcASDQMlleHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEeK_1aLUj0od0n-JwemQfRla6bIk-Dmg2Fvqe2yTT3bR2bqG26NPMucF8pvHw_aem_KM3aI3w1__mIrCZfd--Tng

A Miami-Dade Circuit Court judge denied Citizens Property Insurance Corporation's motion to dismiss a lawsuit and compel arbitration.

04/09/2026

Verdict alert! Partners James DeMiles and David Benjamin obtained a $3.3 million dollar verdict in Alachua County in a commercial property damage loss.

This was a covered Hurricane Ian claim where the carrier determined that the damages were below the policy’s applicable deductibles for each of the commercial properties covered under the policy, and the carrier paid our client nothing after they submitted their Hurricane Ian claims.

After presentation of our case we survived Directed Verdict in the dangerous RCV Policy but the carrier will only initially pay ACV trial trap, that causes many cases to fail, for lack of a thorough and complete presentation of the loss.

Despite a repair history that the carrier characterized as old failed roofs to the multiple commercial buildings, and the carrier argued our clients were trying to use their policy to get a windfall, our trial lawyers Jimmy and Dave were able to tell our clients story, persuasively, and get a Plaintiff’s Directed Verdict on one of the carriers key affirmative defenses, improper maintenance of the property, and thereafter obtained a jury verdict of over $3.3 million dollars for our client.

11/14/2025

https://www.wptv.com/wptv-investigates/citizens-insurance-judges-funded-by-insurer-they-rule-on-records-show?fbclid=IwZnRzaAODgF5leHRuA2FlbQIxMQBzcnRjBmFwcF9pZAo2NjI4NTY4Mzc5AAEegqH1eYmdr55Z2jZP4aR1XsyoOqp2lFT-iz_1y8MBtK_hLCIl8YLI9qQFZ7I_aem_DYsTFwPAj4caR190_SPoFw

Florida homeowners forced into arbitration with Citizens Insurance face judges whose salaries are funded by the very company they're ruling against, court records obtained by WPTV reveal.

08/15/2025

https://www.facebook.com/share/16mY5cXTvH/?mibextid=wwXIfr

For the first time since 2015, Florida home insurers collected more premiums than paid claims last year, data show.

06/24/2025

https://www.palmbeachpost.com/story/weather/hurricane/2025/06/02/grotesque-married-insurance-execs-earn-50-million-in-2-years/83990504007/?fbclid=IwQ0xDSwLHtD1leHRuA2FlbQIxMQABHtVlcGbsT4pNaNOmFgQFJh-6nnJhuX1bnrg_xgNb8fwqmivSJMBGov8mkAMs_aem_aZ0UZjdBc1OrV5rzOOKKwA

Say what!? How about that insurance crisis in FL??

Slide Insurance was only into its second full year of operations when its CEO earned more than $21 million in total compensation.

10/22/2024

https://www.newsweek.com/florida-largest-insurer-denies-hurricane-debby-claims-1972227 🧐🤔🙄

Citizens Property Insurance has reportedly denied 77 percent of insurance claims relating to Hurricane Debby.

09/30/2024

https://www.cbsnews.com/news/florida-whistleblowers-hurricane-ian-insurance-60-minutes-transcript/?fbclid=IwZXh0bgNhZW0CMTEAAR3kaswSbaIykNgiXd8QLmgLXGsD3wBV3PpfPCqu61YN6ic69r1XByNQGCo_aem_c4lN92XwZRIfjYXPdcn-5g

In 2022 the lobbyists for big insurance said homeowner plaintiffs lawyers and public adjusters were the problem, and eliminating attorneys fees for successful homeowner litigants was their solution to the homeowner insurance litigation crisis.

We said homeowners need public adjusters and lawyers more than ever, because insurance carriers were not operating in the best interests of their insureds, as they were legally obligated to do, but instead they were operating with an eye on their bottom line, and the homeowner insurance litigation crisis was a direct result of the carrier intentionally undervaluing claims.

The FL legislature crushed homeowners when they eliminated the right to attorneys fees for successful homeowner litigants who sued their carriers, effective for policies effective January 1, 2023 and later.

Now, the homeowners of Florida have to deal with this level of resistance by insurance carriers without the benefit . This whistleblower here was an independent adjuster, employed by the carrier, who went on the record and said 44 of his 46 claims were undercut by the carrier’s desk adjuster. That’s over 90 %. That’s why homeowners need good public adjusters and lawyers. We also need to bring back attorneys fees for homeowners in Florida!

Adjusters in Florida say insurance companies altered Hurricane Ian damage reports to underpay homeowners. Whistleblowers detail what they found.

04/19/2024

https://www.wptv.com/money/real-estate-news/thats-a-huge-change-2-more-insurance-companies-look-to-lower-rates?fbclid=IwZXh0bgNhZW0BMQABHTe3sux2wvXpCjGgV_z0ugquMm941u4bm0EXeXewNY3ygKyAcyqNBWRHqg_aem_AQCpU596rx-fSbFhXSNOmNZlFipsLFQKllVM82N_uHl1aXvjKQL7M4a-5e6RbKDThcs

Two more insurance companies in Florida are reportedly looking at a very modest half percent cut in rates, but a cut nonetheless.

04/07/2024

A link to an a newly revived story about one of our clients that ran in today’s CBS4 Sunday Special in Miami. The discussion of DeAndre’s case by managing partner James DeMiles begins just after the 12:20 mark.

04/05/2024

Florida may gain a few new property insurance carriers this year. More competition will hopefully lead to a break in these skyrocketing premiums on property policies.

https://www.wptv.com/money/real-estate-news/8-new-property-insurance-companies-approved-to-enter-florida-market?fbclid=IwAR3cdqq7NjRNJFLZZ-3eNvhGGKMyNhp-LSH3nUh5_jjJRz2zg6q3klVgVy4_aem_AcVB_kTWD9_oyi-lCB3pybHb3EKUIA9Et4imgQlTijWHsTiBmBKv1uALIP3uX-psTkU

Eight new insurance companies will now be able to enter the state and begin writing homeowners insurance policies.