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Firm Overview

The Highest Standard of Legal Excellence

Chavin Mitchell Shmuely, P.A. is a firm dedicated to providing diligent, efficient, and effective legal services across the state. We have handled thousands of cases and recovered millions of dollars for our clients in matters involving commercial and residential property damage, accident victims, insurance coverage disputes, and consumer protection claims.

Whether you have been denied coverage by your insurance company for a significant loss, have been injured in a horrific accident, or are being harassed by creditors, our dedicated lawyers and staff are here to help you through every stage of your case. By allowing our attorneys to advocate on your behalf, you can rest assured that everything possible will be done to get you the maximum compensation.

To help you get started, our law firm offers a FREE initial consultation. No matter the circumstances of your case or what type of loss you or someone you love has sustained, an experienced attorney can look over the matter to determine exactly how to assist you.

Latest News

Helping Your Children Prepare For a Disaster

September is National Preparedness Month and throughout the month we have provided resources to help you and your family prepare for a hurricane and build an emergency kit. Today we are rounding out the month by sharing some tips for talking to your children about hurricane preparedness.

For children and teens the most important thing is to help them understand their role in helping the family prepare. This downloadable checklist empowers kids to take responsibility of knowing who to contact and what steps to take in case of emergency.

Helping children cope if an emergency happens is an important part of preparedness. The following tips can guide you:

Tips For Helping Children Cope During An Emergency:

1) Encourage dialogue and questions

Create the space and opportunities for your children to talk about their feelings, thoughts, and concerns. When they ask you questions, give them the amount of information you feel is appropriate for their age.

2) Limit media exposure

Intense and repetitive media coverage can disturb children and teens of any age. If your children watch TV or have access to the internet, be on hand to answer questions and be ready to suggest alternative activities should they become distressed by the news coverage.

3) Make time for them and find support

Help your kids understand that they are safe by increasing family time and activities. Build a support network of friends, family, and community organization to help you and your children cope.

4) Keep to a routine

Having a sense of structure can help your children feel more relaxed. When it is safe to do so, returning to school and extracurricular activities can give children a much-needed break and change of scenery.


If a disaster does occur, after you make sure everyone is safe and you inform your loved ones you are okay, call us at 866-345-2033 with any questions about insurance coverage or property damage claims.

Building an Emergency Kit

The 2020 Atlantic Hurricane Season is the first in recorded history in which 13 tropical storms formed before September, with as many as 25 being predicted before the end of storm season on November 30. As part of National Preparedness Month we are sharing tips and resources on the CMS blog each week to help you keep your family and property safe. 


This week we’re helping you build a hurricane kit. This kit should be ready at all times in the event of an emergency and should include everything you need to survive unaided for seven days. Remember to utilize your Emergency Plan to account for the unique needs of family members and pets as you build your emergency kit.


Basic Disaster Supplies Kit:

Store items in your kit in airtight plastic bags and make sure your entire kit can fit into easy-to-carry containers like plastic bins or a duffel bag. While you want to be prepared, remember that this needs to be something you can “grab and go.”


The basic kit should contain the following: 

  • Water (one gallon per person per day for at least three days, for drinking and sanitation)
  • Food (at least a three-day supply of non-perishable food)
  • Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert
  • Flashlight
  • First aid kit
  • Extra batteries
  • Whistle (to signal for help)
  • Dust mask (to help filter contaminated air)
  • Plastic sheeting and duct tape (to shelter in place)
  • Moist towelettes, garbage bags and plastic ties (for personal sanitation)
  • Wrench or pliers (to turn off utilities)
  • Manual can opener (for food)
  • Local maps
  • Cell phone with chargers and a backup battery

Download a physical copy of the Recommended Supplies List to use as a checklist by clicking HERE


Additional recommended supplies: 

Since the start of the COVID-19 Pandemic this Spring, the CDC has recommended adding the following items to your emergency kit to help prevent the spread of Coronavirus.

  • Cloth face coverings (for everyone ages 2 and above), soap, hand sanitizer, disinfecting wipes to disinfect surfaces
  • Prescription medications
  • Non-prescription medications such as pain relievers, anti-diarrhea medication, antacids or laxatives
  • Prescription eyeglasses and contact lens solution
  • Infant formula, bottles, diapers, wipes and diaper rash cream
  • Pet food and extra water for your pet
  • Cash or traveler’s checks
  • Important family documents such as copies of insurance policies, identification and bank account records saved electronically or in a waterproof, portable container
  • Sleeping bag or warm blanket for each person
  • Complete change of clothing appropriate for your climate and sturdy shoes
  • Fire extinguisher
  • Matches in a waterproof container
  • Feminine supplies and personal hygiene items
  • Mess kits, paper cups, plates, paper towels and plastic utensils
  • Paper and pencil
  • Books, games, puzzles or other activities for children


Once your kit is complete, don’t forget to store it in a cool, dry place where it is easily accessible. Maintain your kit periodically by replacing expired items as needed. 

If a disaster does occur, after you make sure everyone is safe and you inform your loved ones you are okay, call us at 866-345-2033 with any questions about insurance coverage or property damage claims.


4 Steps to Hurricane Readiness

September is National Preparedness Month and is recognized as a way of promoting family and community disaster planning to ensure Floridians are as fully prepared as possible. As we enter the peak of hurricane season and with COVID-19 adding another layer of threat, Attorney General Ashley Moody is asking all Floridians to take their preparations seriously and reevaluate their plans.


Each week in September, CMS will be providing resources to help you and your family be prepared. This week we are sharing a 4-step guide to creating your family’s emergency preparedness plan.


4 Steps to Readiness

Step 1: Talk through the basics

Bring your family together for a brainstorming session around the most important things to include in your Hurricane Prep Plan. Things to discuss include:

  • How will we receive emergency alerts and warnings?
  • How will we communicate with immediate and extended family?
  • What is our evacuation route?
  • What is our shelter plan?
  • What do we need to add to our emergency kit due to Covid?
  • Do we have plans in place if our house is damaged due to the storm?

Step 2: Consider your family’s specific needs

As you customize your plan for your family, remember to take a holistic view of the situation.

  • Do you have pets? It is never ok to leave a pet behind in a hurricane. Treat a pet like you would a child and make sure you have their documents, enough food, and any medications ready to take with you.
  • Do any family members have special needs or medications to consider? Contact your doctor to get extras of any medication you or a family member may need, and plan ahead when grocery shopping to pick up any over-the-counter medications you will want to have with you. In the same vein, don’t forget to pack a First Aid Kit.
  • Do you have to check in with and prepare for the care of an elderly family member? If Grandma is in a facility, make sure to check in with staff members about what the facility’s emergency and evacuation plan is. Register your senior loved ones on the Vulnerable Population Registry  so that emergency workers may reach them if you cannot.
  • What are your plans for your business documents? How about for your business’ property?

Step 3: Put your plan on paper

Download and fill out this family emergency plan or use it as a guide to create your own.

Step 4: Practice your plan with your family

Ensure all your family members, even the youngest, know what to do when a disaster occurs. Practice the plan several times and don’t forget to let extended family know your plan and how they can reach you if a hurricane hits.


If a disaster does occur, after you make sure everyone is safe and you inform your loved ones you are okay, call us at 866-345-2033 with any questions about insurance coverage or property damage claims.

2017 Florida Super Lawyers List

Mr. Rami Shmuely, the founding and managing partner at Chavin Mitchell Shmuely, P.A., has been selected to the 2017 Rising Star list by Florida Super Lawyers.


Thousands Of Cases Hinge on Florida Justices’ Allstate Decision

January 22, 2016 – The Florida Legislature, responding to increased litigation spawned by a 2008 amendment, again in 2013 changed the law so that every insurer follows the Medicare fee schedule regardless of what the company says its policy is, according to Mr. Rami Shmuely, who has several PIP cases pending against Allstate.

Daily Business Review: Supermarket Fall Ends with $1.66M Award

Dec 30, 2015 – A jury issued a seven-figure damage award against Publix Super Markets in a premises liability case.

Claims Journal: Bungled Boat Repair Claims Stretch More than a Decade, Results in $567,000 Award

By: David Keller and James E. Mitchell | October 20, 2015

What began in 2003 as a $40,000 repair to a yacht will cost Jones Boat Yard in Miami and the boat owner’s insurance company almost 12 times that amount. Twelve years after the loss, following a two-week jury trial, James E. Mitchell and D. David Keller of Keller Landsberg PA secured the verdict their client had been waiting for patiently.

CNBC: Fighting Back When Your Insurance Claim is Denied

Guest Author Blog: Jay Feinman, the author of DELAY, DENY, DEFEND: Why Insurance Companies Don’t Pay Claims – And What You Can Do About It.
Insurance companies basically sell security. A consumer is willing to pay insurance premiums in the expectation that if something bad happens—a house burns down, a car crashes—the company will pay for the loss that otherwise might financially ruin the consumer.
But insurance companies increasingly fail to honor their promise of security.

Florida MRI Clinic Says Insurer Wrongly Denied PIP Benefits

February 20, 2014 – Pan Am Diagnostic Services Inc. represented in part by Mr. Rami Shmuely, claims that Texas based Equity and its Florida based agent Windhaven Managers Inc. have repeatedly executed a scheme of misreporting payments to make it appear that policyholders have exhausted the statutory limit of their PIP coverage, to the detriment of medical providers who have lawful claims.

Daily Business Review: Insurance Settlement A Victory For Florida Homeowners

By Valorie S. Chavin | June 18, 2013

In a landmark class-action settlement reached recently in Romero v. Florida Peninsula Insurance, the Florida Homeowners’ insurance carrier has agreed to refund 50 percent of the deductible that it previously required its insureds to pay when Florida Peninsula invokes the “option to repair” provision in its insurance policies. The resolution represents a significant victory that will affect countless Florida homeowners.

Insurance Companies Sacrifice Customers for Profit

On December 13, 2011, The Huffington Post published an article all policyholders should read. The title of the article is, Insurance Claim Delays Deliver Massive Profits To Industry By Shorting Customers, and it reports how the insurance industry is making money by delaying, or denying, valid claims made by the customers they are supposed to protect. It highlights how the insurance industry has shifted from a service industry to an industry that is drive by corporate profit and loyalty to shareholders.

Representative Defendants

We have successfully recovered from:

  • Allstate Indemnity Company
  • American Integrity Insurance Company of Florida
  • American Security Insurance Company
  • AmTrust North America, Inc.
  • Ascendant Commercial Insurance, Inc.
  • Bank of America Corporation
  • Cigna Health and Life Insurance Co.
  • Citigroup Technology, Inc.
  • Citizens Property Insurance Corp.
  • Claims Management Inc.
  • Custard Insurance Adjusters, Inc.
  • Direct General Insurance Co.
  • EBAY Inc.
  • ELCO Administrative Service Co.
  • EHI Risk Financial Services Inc.
  • Esurance Insurance Services Inc.
  • FCCI Insurance Group
  • First Community Insurance Co.
  • First Floridian Auto and Home Insurance Co.
  • Florida Peninsula Insurance Co.
  • Geico
  • GeoVera Holdings, Inc.
  • Greater Miami Jewish Foundation
  • Gulfstream Property And Casualty Insurance Co.
  • Homeowners Choice Property & Casualty Insurance Co.
  • Imperial Fire and Casualty Insurance
  • Infinity Insurance Co.
  • Integon Indemnity Corporation
  • Kingsway Amigo Insurance Co.
  • Liberty Mutual Insurance Co.
  • Mercury Indemnity Company of America
  • MGA Insurance Company, Inc.
  • Midland Credit Management, Inc.
  • Mount Sanai Medical Center of Florida
  • National General Lender Services
  • Portfolio Recovery Associates LLC
  • Prepared Insurance Co.
  • Progressive Express Insurance Co.
  • Progressive Select Insurance Co.
  • QBE
  • Safe Harbor Insurance Co.
  • Safepoint Insurance Co.
  • Security National Insurance Co.
  • Sedgwick Claims Management Services, Inc.
  • Sentry Insurance A Mutual Co.
  • Southern Oak Insurance Co.
  • St. Johns Insurance Company, Inc.
  • State Farm Fire and Casualty Co.
  • State Farm Florida Insurance Co.
  • State Farm Mutual Automobile Ins. Co.
  • Titan Insurance Co.
  • Travelers Indemnity Co.
  • United Automobile Insurance Co.
  • Universal Risk Advisors, Inc.
  • USAA Federal Savings Bank
  • Windhaven Managers, Inc.
  • York Risk Services Group, Inc.