In the event that an insurer disputes either: a) the scope of your claim, or b) the anticipated cost of repairs, an attorney provides significant leverage in assisting you in getting the full value of your claim. Under Florida law – Fla. Stat. 627.428 – the insurer becomes responsible for you attorneys’ fees and costs in the event that they force you to sue, and you prevail.  In other words, insurance companies face tremendous pressures when you are represented by an attorney, as they face the prospect of paying their own lawyers, as well as yours.  As a result, you have the opportunity to receive representation paid for by the insurer. Perhaps most importantly, even cases that resolve before litigation tend to resolve at a significantly higher number for those represented by an attorney (in our experience).