Kuhn Raslavich, P.A.

Kuhn Raslavich, P.A. Kuhn Raslavich, P.A. is a law firm that represents Florida property owners with their property damage insurance claims.

is a law firm that represents Florida property owners who have suffered damage, with offices in Tampa, South Florida, Orlando, Colorado, North Carolina, and South Carolina.

An adjuster reads a number off a line-item estimate over the phone, and it sounds solid enough to sign onto right then, ...
08/31/2026

An adjuster reads a number off a line-item estimate over the phone, and it sounds solid enough to sign onto right then, no second look needed. That number is often just a starting point. It hasn't settled anything yet.

Carrier estimates and contractor bids often land in different places, usually because of how they scope the damage, price materials, or calculate overhead and profit. Florida and North Carolina policyholders typically have real options before agreeing to that figure: a reinspection, an independent estimator, a public adjuster, or the policy's appraisal clause to resolve the dollar amount.

Signing a proof of loss around a number nobody has checked closes more than a form. It closes a door that's harder to reopen later.

Save our number before you sign that proof of loss: 877-352-7767.

Boards rarely lose money on the vote they debated for an hour. They lose it on the one that felt like a formality.A repl...
08/28/2026

Boards rarely lose money on the vote they debated for an hour. They lose it on the one that felt like a formality.

A replacement cost policy doesn't hand over the full number up front. Depreciation gets withheld, the deductible comes off, and the holdback is released only after the work is done. The check on the table is a down payment.

Then there's the gap between the carrier's estimate and what your roofer says the buildings need. Different scope, different material assumptions, different treatment of markup. That spread is where a special assessment gets born.

Florida and North Carolina associations typically aren't stuck with the first figure. Policyholders often have options—requesting reinspection, hiring an independent estimator or public adjuster, or invoking appraisal when the dispute is strictly about price.

Send us both documents before the meeting: 877-352-7767.

08/27/2026

A storm does not automatically mean insurance will pay for a new roof.

Coverage depends on your policy, the extent of the damage, and whether repairs can properly restore the roof to its pre-loss condition.

See what factors can determine whether roof replacement can be covered after storm damage:

The soaked carpet goes to the curb before anyone thinks to photograph it. By the time the adjuster pulls up, the worst o...
08/26/2026

The soaked carpet goes to the curb before anyone thinks to photograph it. By the time the adjuster pulls up, the worst of the damage is already in a dumpster.

After a storm, you should typically photograph everything before any cleanup or repairs begin, make reasonable temporary repairs so water doesn't keep spreading, and give your insurer prompt written notice. That's the first day or two. Not next week.

Put the notice in writing. A phone call becomes a memory test later. And while an insurer in Florida or North Carolina may not be able to deny your claim over late notice or a late proof of loss unless it shows the delay actually prejudiced its investigation, that protection does nothing for pictures you never took. Those don't come back.

If you want us looking at the file before the inspection, call us at 877-352-7767.

Photos first. Then grab the tarp and get to work.

Another 5-Star Review!"Clayton Kuhn and his team did a phenomenal job representing us after we sustained hurricane damag...
08/25/2026

Another 5-Star Review!

"Clayton Kuhn and his team did a phenomenal job representing us after we sustained hurricane damage for which our insurer was only willing to pay a fraction of the entire cost of repair... My wife and I strongly recommend Clayton and his firm to anyone who finds themselves in need of effective representation in this kind of matter." —John S., via Google

Thank you for trusting Kuhn Raslavich, P.A. and taking the time to share your experience. We are grateful for the opportunity to serve our clients.

Contact our team: (877) 352-7767 · http://www.theKRfirm.com
See more reviews at https://thekrfirm.com/reviews/
See more results at http://www.KRwins.com

08/24/2026

Waiting months for an answer on a Florida home insurance claim can be frustrating.

Knowing the legal deadlines insurers generally must follow can help you recognize when a delay may require further action.

Discover what Florida homeowners should know about insurance claim timelines and prolonged delays:

You've stocked the generator, taped up the windows, and refreshed the spaghetti models one more time than you needed to....
08/24/2026

You've stocked the generator, taped up the windows, and refreshed the spaghetti models one more time than you needed to. The one line nobody checks until it's too late is the deductible page. Worth a look now.

Florida and North Carolina run on different clocks once a storm actually hits your roof. Florida gives you one year to give notice on a hurricane claim, and five years from the date of loss to sue over it. North Carolina counts three years from the date of loss, but still expects a sworn proof of loss within 60 days. Miss that without a good reason, and you're arguing about the delay instead of the damage.

What you do before cleanup starts matters just as much. You should typically photograph the damage first, make reasonable temporary repairs so it doesn't get worse, and give your insurer prompt written notice.

Before the next named storm turns this into an emergency, call us: 877-352-7767.

08/21/2026

Your first roof damage insurance payout does not always have to be the final number.

Comparing the insurer’s estimate with a detailed contractor estimate may uncover missing items, underestimated labor, or material costs.

Find out what to look for when reviewing a roof damage insurance estimate:

08/18/2026

Proving hail damage can take more than pointing out visible marks.

Photos, storm data, and a professional inspection can help establish when the damage occurred and what caused it.

Learn how proper documentation can help support your hail damage insurance claim:

Insurance companies don't always make it easy to get what you're owed. ⚖️After Hurricane Debby caused roof damage to our...
08/06/2026

Insurance companies don't always make it easy to get what you're owed. ⚖️

After Hurricane Debby caused roof damage to our client's home, her insurer tried to cap her claim using a policy limitation — before a jury could even hear the facts.

The court said no. The judge denied the insurer's motion, and our client's full claim stays alive, headed to a jury.

Read the full court order here:https://thekrfirm.com/wp-content/uploads/2026/08/order-denying-mpsj.pdf

👉 If your insurer is trying to minimize your storm damage claim, know your rights before accepting a lowball outcome.

Address

2110 West Platt Street
Tampa, FL
33606

Telephone

+18134227782

Website

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