Don't Settle for Denied, Delayed, or Underpaid Insurance Claims

Tampa Property Damage Claim Lawyer Protecting Florida Policyholders

When disaster strikes your home or business, your property insurance should offer protection, not frustration, delays, or denial. At Williams Law, P.A., we stand with Tampa property owners whose insurance companies have failed to honor their promises after hurricanes, wind damage, fires, water loss, and other covered events. We fight for policyholders throughout Tampa and nearby communities who have been mistreated, ignored, or underpaid by their insurers.

We Handle All Types of Property Damage Claims in Tampa

Our firm handles insurance disputes involving both residential and commercial properties. Whether you’ve suffered from storm damage or plumbing failure, we are committed to ensuring your claim is paid fairly and promptly.

We have extensive experience navigating property insurance law, including:

  • Denied claims
  • Delayed payments
  • Undervalued damage assessments
  • Bad faith insurance practices
  • Appraisal and litigation disputes

Policyholders represented by legal counsel recover significantly more than what they would receive on their own.

Our Property Insurance Claim Services

Tampa Residential Property Insurance Claims

When disaster strikes, we help home and property owners in Tampa and throughout Florida file, dispute, or reopen insurance claims for:

Tampa Commercial Property Insurance Claims

When your commercial business suffers physical damage or business interruption, your insurance is supposed to cover the losses.

We represent:

  • Retail Stores
  • Office Buildings
  • Warehouses and Industrial Properties
  • Restaurants and Hotels

We help business owners recover damages to property, loss of business income, and additional operating costs.

Condominium & HOA Claims

Florida condo associations face unique insurance challenges.

We work with property managers, HOAs, and board members to:

  • Interpret complex policies
  • Manage claims involving multiple units
  • Fight underpaid or denied association-wide claims

Denied, Delayed & Underpaid Claims

If your claim has been:

  • Denied without cause
  • Delayed for months
  • Paid far less than the actual repair costs

You may be the victim of bad faith insurance practices. Let us review your claim and fight to recover the full value.

Appraisals, Mediation & Litigation

When disputes cannot be resolved informally, we pursue formal avenues, including:

  • Insurance Appraisals
  • State-Mandated Mediation
  • Filing Lawsuits for Breach of Contract or Bad Faith Conduct

Litigation As Leverage, Not Last Resort

While we always aim to resolve claims swiftly, amicably, and without litigation, we’re trial attorneys by trade. Our courtroom experience isn’t theoretical; it’s tactical. And insurers know this. That knowledge shifts power. Fast.

Why Claims Get Denied or Underpaid

Insurance carriers use a variety of tactics to delay, deny, or underpay claims, including:

  • Alleging “wear and tear” instead of sudden damage
  • Citing pre-existing conditions
  • Arguing maintenance neglect
  • Misinterpreting policy exclusions
  • Using biased engineers or adjusters
  • Blaming “concurrent causes” to void coverage
  • Minimizing the scope of repairs with low estimates

Even valid claims can be rejected if the insurer claims you didn’t act fast enough or failed to mitigate further damage.

Bad Faith Insurance Practices in Florida

Under Florida law (Fla. Stat. § 624.155), insurance companies must handle your claim in good faith. If they delay, underpay, or deny your valid claim without reason, they may be acting in bad faith.

Common Examples of Bad Faith Include:

  • Delaying investigations
  • Refusing to communicate
  • Lowballing damages
  • Misrepresenting coverage
  • Denying without a proper investigation

How We Handle Property Insurance Disputes 

Step 1: Comprehensive Claim Review

We analyze your policy and determine coverage limits, exclusions, and endorsements. Many policies include hidden clauses such as ensuing loss, which may override exclusions.

Step 2: Independent Damage Evaluation

We collaborate with engineers, roofers, contractors, and adjusters who work for you, not your insurance company, to accurately assess the extent of damage.

Step 3: Aggressive Legal Action

If your insurer refuses to pay fairly, then we take the matter to court. Our litigation team builds a solid case, backed by experts and legal precedent, to demand what you’re rightfully owed.

Why Choose Our Firm to Handle Your Tampa Property Insurance Claim

When your home suffers damage, and you file an insurance claim, you expect your insurance company to act in good faith and pay what you’re owed. Unfortunately, insurers often delay, deny, or underpay claims, leaving Tampa homeowners struggling to recover their losses.

Williams Law, P.A. can help:

  • Decades of combined Florida insurance litigation experience
  • No upfront fees – we only get paid when you win
  • Aggressive trial attorneys who know how to fight
  • Deep knowledge of Tampa-area storm and construction claims
  • Real results in complex property damage cases

We are not afraid to stand up to powerful insurers; we do it every day.

Serving the Entire Tampa Bay Area

We represent clients across:

  • Tampa
  • Brandon
  • Riverview
  • Carrollwood
  • South Tampa
  • Temple Terrace
  • St. Petersburg
  • Clearwater
  • Hillsborough, Pinellas, and Polk Counties

Get Help from a Tampa Property Insurance Claim Lawyer Today

You’ve paid your premiums, and now it’s time to get the protection you were promised. If you’re dealing with a denied, delayed, or underpaid insurance claim, we’re ready to fight for you. Let Williams Law, P.A. help you level the playing field and secure the compensation you deserve.

Call us now at 1-800-451-6786 or request a free consultation.