Errors and Omissions (E&O) Claims Lawyer in Florida
When you purchase homeowners’ insurance, you expect your insurance agent to secure proper coverage, explain policy limitations, and use professional care when guiding your decisions. Unfortunately, that does not always happen. When an insurance agent fails to secure appropriate coverage – or fails to procure insurance entirely – and you later discover your policy does not protect you during a property damage claim, those mistakes can leave you exposed to devastating financial losses.
At Gelber Law Group, we step in when an agent’s negligence results in inadequate or incorrect insurance coverage. Our team maintains clear communication with clients at every step, provides strategic guidance, and fights aggressively for the highest possible recovery. Whether through negotiation or litigation, our attorneys are formidable both in and out of the courtroom and are committed to protecting homeowners who were failed by their insurance agents.
What Is an Errors and Omissions Insurance Claim?
An errors and omissions (E&O) claim is a legal action taken when an insurance agent or broker fails to perform their professional duties with reasonable skill, care, and accuracy. If their negligence leads to coverage gaps, wrongful exclusions, or a loss that should have been covered, you may pursue financial compensation.
E&O claims may arise when an insurance agent:
- Fails to recommend sufficient coverage for your home
- Misrepresents what a policy actually covers
- Selects the wrong type of policy for your property
- Miscalculates necessary coverage amounts
- Neglects to disclose exclusions or limitations
- Fails to submit policy applications properly
- Incorrectly advises you about deductibles, endorsements, or flood coverage
- Recommends policies that do not meet Florida’s building or hurricane risk standards
Your insurance agent has a fiduciary duty to protect your interests when securing coverage. If they fail in that duty, and you suffer a financial loss as a result, an E&O claim may hold them responsible for the damage.
Can I Have a Claim Against My Homeowners Insurance Agent?
Yes. If your insurance agent’s mistakes leave you underinsured, uninsured, or misinformed, you may have a claim against them. These cases can be challenging to prove, but Gelber Law Group analyzes every detail to identify where professional negligence occurred and how it contributed to your losses.
You may have a valid claim if:
- Your agent failed to secure the coverage you requested
- You were told you had coverage that does not exist
- You were sold a policy that does not meet your property’s needs
- Your agent did not explain exclusions, limits, or endorsements
- Your property damage claim was denied due to inadequate or incorrect coverage
- The agent failed to update your policy when your property changed or risks increased
- You relied on incorrect professional advice when selecting a policy
When an agent’s mistakes cause financial damage, you should not be left paying out of pocket. Gelber Law Group investigates the history of your policy, communication records, application documents, and claim outcomes to determine whether your insurance agent’s errors caused or contributed to your loss.
Discover if You Have a Valid Errors and Omissions Claim
If your homeowners’ insurance failed you, not because of the insurer, but because of the agent who set up your policy, Gelber Law Group is here to protect your rights.
We offer clear communication, ruthless attention to detail, and a legal team prepared to litigate when necessary.
You do not have to guess whether you have a claim; we will review your situation and guide you every step of the way.
Call Gelber Law Group at (954) 320-0100 for your free case review.
There is no cost to get started. You only pay if we win.
Errors and Omissions Claims in Florida FAQs
What qualifies as insurance agent negligence?
Negligence includes failing to recommend adequate coverage, misrepresenting policy terms, completing applications incorrectly, or neglecting to disclose exclusions or risks.
How do I know if I have an E&O claim?
If your agent’s mistakes caused your claim to be denied or underpaid, or if you discovered your policy does not match what you were promised, you may have grounds for a claim.
Are E&O claims difficult to prove?
They can be complex because they require showing what coverage should have been in place. Gelber Law Group gathers documentation, communications, and expert insight to build a strong case.
Will I have to sue my insurance agent?
Not always. Many cases are resolved through negotiations or insurance settlements. However, our litigation team is fully prepared to take your case to court if needed.
What compensation can I recover in an E&O claim?
You may recover the financial losses caused by inadequate coverage, including property damage repairs, personal property losses, alternative living expenses, and other out-of-pocket costs.