Don't Settle for Less Than You Deserve

Fighting for TOTAL COMPENSATION for FLOODED CARS

Is your insurance provider refusing to provide the fair market value for your car?

If We Don't Win, You Don't Pay

Hundreds of thousands of vehicles were damaged by the flooding during Hurricane Ian. Has your car been totaled from flooding? In Florida, your insurance company may be required to pay you fair market value for your car, but they often don't. Hogan Smith is a law firm dedicated to representing Florida car owners who were underpaid for their totaled cars.

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Complete This Form to Discover How Much You are Entitled To

Due to the hundreds of insurance claims that have been rejected, delayed, or underpaid, Hurricane Ian policyholders may face underpayment for their flooded car.

No Claims Recovery,

No Fees Charged

Hogan Smith will handle your claims charge with no upfront fees for you, period. Once your settlement is reached, we deduct our costs from the claims recovery amount provided by the insurance provider. There are no hidden fees, and you have nothing to lose by choosing us to fight for you.

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Discover more about how our litigators can assist you in getting the replacement value for your vehicle.

You are owed

Actual Cash Value

Hurricane damage can disrupt every area of your life, but it's particularly frustrating when your auto insurance provider makes the hours, days, and weeks that follow even worse by avoiding your questions about coverage in terms of repairs or replacement.


Because Florida has a total loss law for damaged cars, insurance companies may try to pay you less than you are entitled to. With the help of Hogan Smith, you can get the actual cash value of your vehicle damaged by Hurricane Ian.

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You Need Major Compensation to Cover Major Expenses

It is not surprising that you will have a significant expense if your car is totaled in a flood. However, many individuals overlook additional costs that soon pile up. In addition to the cost of a new car, you must also pay sales tax, title fees, vehicle registration fees, license plate fees, and more. The experienced attorneys at Hogan Smith will fight for every penny you are owed to make your new car purchase. Years of experience processing legal claims and compensation for victims of insurance company settlements make us the clear choice to fight for you.


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Why Talk to a Flooded Car Attorney?

  • They can help you understand your legal rights

    A flooded car attorney can help you understand your legal rights and obligations as a policyholder. They can explain the various coverages that your insurance policy offers and advise you on how to file a claim with your insurance company correctly. Additionally, they can provide you with legal representation if your claim is denied or if your insurance company offers you a settlement that is less than what you are entitled to.

  • They can help you navigate the insurance claims process

    The insurance claim process can be complicated and overwhelming, especially if you're dealing with a flooded car. A flooded car attorney can help you navigate the process, file your claim correctly, and make sure that you have all the necessary documentation to support your claim. They can also help you understand the timelines involved in the process and keep you informed about the status of your claim.

  • They can negotiate with your insurance company

    Insurance companies are in the business of making money, which means they may try to pay you as little as possible for your flooded car. A flooded car attorney can negotiate with your insurance company on your behalf to get the best possible settlement. They can also help you understand any settlement offers and ensure that you're not being taken advantage of. If your insurance company refuses to pay a fair amount, an attorney can file a lawsuit on your behalf and represent you in court.

  • They can help you with appraisal and valuation

    An attorney can help you understand the valuation process of your car and ensure that it is done fairly. They can hire independent appraisers to evaluate the damage and provide their own valuation of your car, which may differ from that of your insurance company. They can also review any salvage or repair quotes you receive from your insurance company to ensure they are reasonable.

  • They can advise you on whether to repair or replace your car

    If your car has been damaged by floodwaters, you may need to decide whether to repair or replace it. A flooded car attorney can advise you on the best course of action based on the extent of the damage and the cost of repairs. They can also help you understand the implications of your decision, such as the impact on the resale value of your car and any warranties that may be affected.

  • They can help you understand your options if your car is deemed a total loss

    If your car has been deemed a total loss by your insurance company, an attorney can help you understand your options. They can advise you on how to negotiate with your insurance company to get the best possible settlement for your car. If you're not happy with the settlement offer, they can help you explore other options, such as filing a lawsuit against the other driver or seeking compensation under your state's laws.

It's Not Too Late

Have you settled a flooded car claim in the past 5 years?

Even if you accepted a settlement for your totaled car, it's not too late to get the money to which you are rightly entitled. The Florida statute of limitations on claiming property damage is five years, starting on the day the damage occurred. Don't wait, contact us today!

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Meet Our Team

At Hogan Smith,  we have a Florida lawyer for any insurance claim dispute. We focus on fighting for the rights of car owners having issues with insurance settlements due to flooded car claims. We have assisted car owners in Florida with filing initial insurance claims after a loss and represented car owners after their valid insurance claim was not offered full compensation. You may be entitled to more money if you have been offered a claim settlement in the past five years for your flooded car.


We Fight for You

We take the cases that may be overlooked by other attorneys. We understand the frustration of being the little guy fighting against the big insurance company. We go to bat for you using our knowledge and experience to get you the money you are rightfully owed.
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How do I find a Reputable Flooded Car Attorney?

Research: Do your research to find attorneys in your area who specialize in flooded car cases. Look for attorneys who have experience handling cases similar to yours.


Referrals: Ask for referrals from friends, family members, or colleagues who have had to deal with a flooded car situation in the past. They may be able to recommend an attorney who helped them.


Credentials: Make sure the attorney you choose is licensed to practice law in your state and has experience handling flooded car cases. Check their credentials and read reviews from previous clients.


Consultation: Schedule a consultation with the attorney to discuss your case and ask any questions you may have. This can help you determine if the attorney is a good fit for your needs.


My Car Was Flooded, Now What?

  1. Take photos and/or videos of any damage.
  2. Make a list of damaged items within the vehicle.
  3. Contact your insurance provider as soon as possible with a detailed description of the claim.
  4. An adjuster will be sent to inspect the vehicle and prepare a report.
  5. Your insurance company will analyze the damage and offer you a settlement amount.

Although it looks straightforward, insurance companies make it quite challenging to navigate. Hogan Smith will help you file the claim to shorten any delays and get you the maximum settlement to which you are entitled.

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What's the Difference Between a Car Insurance Company and a Flooded Car Attorney?

A car insurance company is a business that provides coverage for damages or losses that may occur to a vehicle or its occupants. Policyholders pay premiums to the insurance company in exchange for coverage, and the insurance company will assess claims and determine if they are covered under the policy. The insurance company will then pay out the appropriate amount for the damages covered under the policy.


A flooded car attorney, as previously mentioned, is a legal professional who specializes in representing clients whose vehicles have been damaged by floods. They may assist clients in filing insurance claims, but they also provide legal advice and representation in cases where the insurance company denies the claim or offers an inadequate settlement. They may also investigate the cause of the flood and determine if there is any liability on the part of a third party, such as a manufacturer or mechanic, and may take legal action on behalf of the client to seek compensation for damages.


In summary, a car insurance company provides coverage for damages or losses to a vehicle or its occupants, while a flooded car attorney provides legal advice and representation to clients whose vehicles have been damaged by floods, including in insurance claims and litigation. While insurance companies and attorneys may work together in some cases, they have different roles and responsibilities.

TAKE ADVANTAGE OF

Florida's State of Emergency

Florida's governor, Ron DeSantis, ordered mandatory evacuations, primarily from coastal communities, as Hurricane Ian approached the state. Additionally, President Biden signed an emergency declaration that authorized federal disaster relief activities for Floridians in Ian's route, such as storm preparations, rescue operations, and post-storm reconstruction. At Hogan Smith, we know how to navigate and use these funds to get the actual replacement value for your flooded vehicle.


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Important Legal Considerations when Filing a Claim for Flooded Cars
  • Review your insurance policy

Before filing a claim, it's essential to review your insurance policy carefully to understand what it covers and what it doesn't. Some policies may have exclusions for flood damage, while others may have limitations on the amount of coverage available. An attorney can help you understand the fine print of your policy and ensure that you're filing your claim correctly.

  • Document the damage

It's important to document the damage to your car thoroughly to support your claim. Take photos of the damage from all angles and keep any receipts or repair estimates you receive. An attorney can help you gather the evidence you need to support your claim and ensure that you're not leaving any potential compensation on the table.

  • Don't accept an initial settlement offer

Your insurance company may offer you a settlement to cover the damage to your car, but it's important not to accept it without seeking legal advice first. Insurance companies may try to offer you less than you're entitled to, and accepting an offer may prevent you from seeking additional compensation in the future. An attorney can review the offer and negotiate on your behalf to ensure that you're receiving a fair settlement.

  • Understand your legal rights

It's important to understand your legal rights when filing a flooded car claim. For example, if you believe that your insurance company is acting in bad faith by denying your claim or offering an unreasonably low settlement, you may have legal options to pursue additional compensation. An attorney can help you understand your rights and advise you on the best course of action based on your specific situation.

  • Beware of scams

Unfortunately, floods often bring out scammers who may try to take advantage of people who have had their cars damaged. Be wary of anyone who offers to repair your car for a suspiciously low price or who pressures you to sign documents without giving you time to review them. An attorney can help you avoid scams and ensure that you're working with reputable repair shops and insurance companies.

What Our Clients Say

Had the chance to meet Brian Hogan and had an amazing experience, very helpful and full of information. Educated me very well on the process of the many things he is experienced in. Amazing lawyer highly recommend it helpful with every aspect you may need representation in!

Brayan Rodriguez

Wow…..What a place! Brian is a man of Faith and Integrity…..you truly won’t find that at out in the open and welcomed in a lot of businesses. See for yourself and please meet his associates and get their opinions on your situation. When you know you know….

Michael Smith

Scared and unsure about going to a law office, I was put at ease IMMEDIATELY. An extreme professional, who cares about the case, cares about me the client and did nothing to pressure me in any way. I felt treated with a great deal of respect and priority.

Tracy Rea

What is a Flooded Car Law Firm?

A "flooded car law firm" is a type of legal practice that specializes in representing clients whose vehicles have been damaged by floods. These firms typically have attorneys who are knowledgeable in the areas of insurance law, consumer protection law, and product liability law, among others.

The services that a flooded car law firm may provide include the following:

  1. Insurance claim assistance: When a car is damaged by a flood, the owner will typically need to file an insurance claim to get compensation for the damages. A flooded car law firm can help their clients navigate the insurance claim process, and work to ensure that their clients receive a fair settlement.
  2. Investigation of the cause of the flood: In some cases, a flooded car may be the result of someone else's negligence, such as a car manufacturer or a mechanic who failed to properly repair the vehicle. A flooded car law firm can conduct an investigation into the cause of the flood and identify any liable parties.
  3. Legal action against liable parties: If a third party is found to be liable for the flood damage to the car, a flooded car law firm can take legal action on behalf of their client to seek compensation for the damages.
  4. Vehicle replacement or repair assistance: If a car is declared a total loss due to flood damage, a flooded car law firm can assist their clients in obtaining replacement or repair of their vehicle.

Overall, a flooded car law firm can provide valuable legal services to those who have suffered damage to their vehicles due to floods, and help them navigate the complex legal and insurance processes involved in seeking compensation.

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We are excited to hear the details of your case and to work hard to get the money you deserve.

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Frequently Asked Questions

  • How can Hogan Smith help me with my insurance claim?

    Evidence by itself may not always convince an insurance company to agree with your assessment of the value of your car and the amount of compensation you should get for damage to it. Instead, you might need to bargain with the insurance provider and lay out the reasons why the law and the evidence are on your side rather than theirs.


    Some people attempt to handle the negotiation on their own, but this is virtually never a good idea. Insurance adjusters engage in negotiations for a livelihood, and they are experienced in taking even the most knowledgeable foe to task.


    Instead, delegate the negotiation with the insurance company to a lawyer who is familiar with their pressure points and speaks their language. Understanding the legal principles and overall factors that an insurance company will take into account when determining whether to pay you what you are due is obviously helpful when trying to get money out of them. Hogan Smith is on your side and ready to fight for the compensation you are owed.

  • How do insurance companies value a totaled car?

    The benchmark used by Florida auto insurance companies to determine when a vehicle is a total loss is the legal definition of a salvage motor vehicle. The insurance company may declare a vehicle a total loss under the driver's insurance coverage and refuse to fix it if the cost of repairs surpasses 100% of the vehicle's market worth just before to the incident. Instead, the driver hands up the damaged vehicle to the insurance provider, who then reimburses the driver with a sum of money that, in principle, is equal to the market value of the wrecked vehicle before to the accident and enables the driver to purchase a replacement vehicle.


    But theory and practice often don't match. The issue with insurance companies using pre-crash market values and repair costs as benchmarks for determining how much money to compensate a car owner is that such sums aren't precisely fixed in stone. They differ, they are arbitrary, and if you're not careful, an insurance company may try to use them as leverage to its advantage, costing you money.

  • I took the settlement offer 3 years ago, is reimbursement a viable option?

    Yes!  The Florida statute of limitations on flooded cars is five years. If the insurance company did not pay you what you were owed, we can file a case to get you total compensation. 

  • What is the best way to contact you?

    You can give us a call at 800-51-HOGAN You can also email us at brian@hoganpa.com. You can also use our Contact Form.


    When you give us a call, you will be connected directly to our owner, so you can expect immediate attention to your inquiry. So, don’t wait. Call now!


Serving All of Florida