Samuel J. Wyatt

Mr. Wyatt is a Boca Raton native and co-founding partner of Wyatt & Schwebel, P.A., a civil litigation firm devoted to standing up for homeowners when their own insurance companies fail them. Mr. Wyatt has built his practice around first-party property insurance disputes, representing homeowners whose claims for wind, water, and fire damage have been wrongfully denied, undervalued, or delayed by the very insurers they trusted and paid premiums to for years. Florida’s property insurance landscape has undergone dramatic transformation — driven by sweeping legislative reforms, aggressive industry lobbying, and policy language increasingly engineered to limit carrier exposure at the homeowner’s expense. Mr. Wyatt has developed a litigation approach that is both aggressive and strategically efficient: moving quickly to lock in favorable evidence, deploying the right experts before insurers can shape the narrative, and leveraging a deep command of evolving case law and policy language to close off the defenses carriers rely on most. Mr. Wyatt has litigated first-party property insurance claims across virtually every loss type and coverage dispute a homeowner can face. His case experience spans hurricane and windstorm damage, water intrusion from roof failures and plumbing losses, fire and smoke damage, and mold remediation disputes. He has handled losses where insurers have invoked late-notice defenses, disputed replacement cost value entitlement, and failure to comply with any of an insured’s other seemingly endless post-loss obligations as tools to reduce or eliminate coverage. Recently, Mr. Wyatt has been fervently litigating disputes over the payment terms that carriers are attempting to strong-arm both public adjusters and attorneys into accepting. As carriers attempt to dictate their payment terms in contradiction to basic ethical and contractual obligations, it is crucial to understand your rights and responsibilities for properly accepting and distributing client funds.