It is an an unfortunate fact of life that disasters happen. Hurricanes, tornadoes, your two year old (smile). All of these things can cause damage to your home or business. The insurance company will have people on their side trying to make sure that they have to pay you as little as possible. You should seek the help of a competent insurance lawyer Miami. Now it is not mandatory for you to use an attorney. You could try to fight with them yourself. However, your chances of winning your case would be better if you have a professional representing you that can speak the language the insurance companies use.