Florida Property Insurance Claims Frequently Asked Questions

If your commercial or residential property has been damaged, you probably have questions about how your insurance claims process works. To help with some basics, Williams Law, P.A., has prepared answers to these frequently asked questions. Since 1995, our attorneys have provided dedicated representation for property insurance claims throughout the Tampa region.

Property Insurance FAQ’s

Is damage caused by burglary, vandalism or other crimes covered by my policy?

Most residential and commercial property insurance companies provide coverage for damages to property from burglary, vandalism and other crimes. Check your policy for details.

Is property damage handled differently than natural disasters?

Sometimes. If a natural disaster such as a hurricane causes a significant number of claims at one time, your carrier may consider the claims a catastrophe. It may then use special adjusters and provide specific instructions for help with your claim. Regardless of whether property damage is caused by a natural disaster, you have rights to the coverage provided in your policy.

Does my property insurance policy cover flood damage?

Flood insurance coverage is typically provided through the National Flood Insurance Program rather than a property insurance policy. It’s important to remember, however, that not all water events are floods. Your property insurance policy may provide coverage for many types of water damage.

Will my insurance cover the cost of temporary arrangements if I cannot live or work in my damaged property?

Both commercial and residential property insurance policies may provide coverage for temporary arrangements in the event that your property is too damaged for you to live or work in. Check your policy for details.

Will my policy be canceled if I file a claim?

In some cases, your carrier may attempt to cancel or rescind your policy after you file a claim as a way to maintain profits. If you encounter a policy cancellation, our experienced attorneys can help you seek the benefits to which you are entitled.

What if my insurance company denies my claim?

Insurance companies deny valid claims all the time. If your coverage is denied, our law firm can help you seek the benefits to which you are entitled. It may be a simple mistake by the insurance carrier that we can address or it may require lengthy litigation. Our lawyers are prepared to represent claims from the start of a claim through trial, if necessary.

Bad Faith Insurance

How can I determine if my insurance company is acting in bad faith?

If you believe your important, high-value insurance claim has been denied unfairly, your best next step is to contact a lawyer with extensive insurance knowledge and a track record of success in litigation. The same is true if you are “getting nowhere” with a claim due to lengthy delays in investigation or processing, or if you have been offered a seriously inadequate settlement.

Do laws against insurance bad faith exclusively or primarily pertain to specific types of insurance?

No. All insurance companies have a duty of good faith and fair dealing to their customers. Bad faith claims arise across the spectrum of insurance coverage types, policies and claims, from auto accident cases to sinkhole and other property damage claims under homeowners policies, and from disability and life insurance to various types of business insurance.

Why do insurance companies knowingly break the law and risk having to pay additional bad faith damages in addition to the value of claims?

The most direct answer to this question is that insurance companies are intensely focused on profitability, and this provides incentive to find (or manufacture) reasons to deny and underpay claims. Further, insurers exploit the fact that most people do not understand complex policy language, do not know all their rights, and may simply give up in the face of a claim denial or other resistance.

Why is it sometimes important to prove insurance bad faith was a factor in a claim denial or delay?

Under certain circumstances — as when the policyholder suffers additional damages because of the insurer’s actions — proving insurance bad faith results in an award, which includes damages in addition to the claim value, including payment of the wronged policyholder’s attorney fees associated with the case.

Contact Our Insurance Lawyers Today

For more information, contact our law firm today at (800) 451-6786 for a free consultation.

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