Our Florida Property & Personal Injury Insurance Claims FAQs
Do you have questions about Florida residential, commercial property insurance claims, or personal injury related insurance claims? Browse our FAQs to learn what to expect and how to protect your right to compensation after storm damage, sinkhole damage, roof damage, car accidents, slip and falls and other types of insurance claim disputes.
In Florida, construction defects are rarely the fault of just one party. State law allows property owners, condominium associations, and HOAs to pursue claims against any party whose actions contributed to defective construction.
Most construction defect cases in Florida settle before going to trial. In fact, roughly 90–95% of cases resolve through settlement, not a jury verdict. At Williams Law Association, P.A., we’ve handled hundreds of construction defect claims over nearly 30 years.
The answer is yes. Under Florida law, condominium associations have the legal authority to pursue construction defect claims on behalf of the community for defects affecting common elements and, in many cases, multiple units.
Determining whether you have a valid construction defect claim requires analyzing multiple factors based on Florida law, the specific problems affecting your property, when defects occurred and were discovered, and who bears legal responsibility for the defective construction.
After a Tampa car accident, avoid admitting fault, apologizing, speculating about what happened, or making statements that minimize your injuries. Even comments such as “I didn’t see the other driver,” “I’m probably okay,” or “It may hav...
After experiencing an accident, whether it's a car crash, slip and fall, or any other personal injury incident, maintaining comprehensive medical records becomes one of your most critical responsibilities. Your medical documentation serves as the foundation for your personal injury claim.
Failure to wear a helmet doesn't prevent recovery of compensation in Florida.
Unlike compensatory damages, which are designed to reimburse a victim’s measurable losses, punitive damages are meant to punish the defendant for outrageous behavior and discourage others from acting the same way.
When you're involved in a car accident, you expect the at-fault driver’s insurance to cover your medical bills, vehicle repairs, and lost wages. But what happens when the other driver doesn’t have insurance or doesn’t have enough?
Florida’s no-fault insurance laws can be both a blessing and a source of confusion for drivers who suffer injuries in a car accident. One of the cornerstones of no-fault insurance in Florida is Personal Injury Protection (PIP) coverage, which provides up to $10,000 for medical expenses.
A personal injury lawyer helps you maximize compensation, handles all negotiations with insurance companies, gathers evidence to prove your claim, ensures you meet legal deadlines, and represents you in court if needed. At Williams Law Association, P.A. in Tampa.
What you say during these early conversations can affect the value of your claim.
Florida’s hurricane season runs from June 1 through November 30, and tropical storms can cause substantial property damage across Tampa and throughout Florida each year. Defined as tropical cyclones with sustained winds between 39 and 73 miles per hour, tropical storms often bring destructive winds, wind-driven rain, fallen trees, floodin...
Florida property insurance claims are commonly denied due to alleged wear and tear, late reporting, excluded damage, pre-existing conditions, or disputes over the cause of the loss. Learn how insurers justify denials and what policyholders can do to challenge them.
The efficient proximate cause doctrine is one of the most important legal principles in property insurance disputes, especially in Florida claims involving alleged pre-existing damage. It determines which cause of loss controls coverage when multiple causes contribute to the same damage.
A supplemental home insurance claim in Florida is a request for additional payment after hidden or newly discovered storm damage is found during repairs. It allows homeowners to recover for damage not included in the original settlement, subject to policy terms and deadlines.
A Proof of Loss is not the initial claim report. It is a later, sworn statement required by most Florida property insurance policies. If it is late, incomplete, or inaccurate, the insurer may delay or deny an otherwise valid claim.
When a covered property loss makes a home unlivable, ALE (Additional Living Expenses) coverage pays the extra costs required to maintain a normal standard of living while repairs are completed.
Florida homeowners facing denied, delayed, or underpaid insurance claims often consider either a public adjuster or an insurance claim lawyer. Understanding the difference can determine whether your dispute is resolved through negotiation or requires formal legal action.