Wind Damage vs. Water Damage When Hurricane season approaches Florida, homeowners often assume their insurance will cover whatever Mother Nature throws at them. Unfortunately, the reality is far more complex and costly. The distinction between wind and water damage isn’t just an academic exercise; it’s the difference between a covered claim and a devastating financial...
Insurance Claim
How Lightning Damage Impacts Florida Homes As a Florida homeowner, you’re living in what the National Weather Service calls “the Lightning Capital of the United States.” With the highest number of lightning strikes in the nation and more lightning-related deaths than any other state, understanding how to file and manage lightning damage insurance claims properly...
What Every Tampa Homeowner Needs to Know Tampa homeowners face an array of property damage threats due to Florida’s extreme weather, aging infrastructure, and high humidity levels. At Williams Law, P.A., we’ve helped countless clients navigate the complexities of property insurance disputes and recover compensation after unexpected damage. Knowing the most frequent home insurance claims...
What Insurance Companies Don’t Want You to Know When disaster strikes and you need to file an insurance claim, you expect your insurance company to have your back. After all, you’ve been faithfully paying premiums for years. However, the reality is that insurance companies are businesses first, and their primary goal is to protect their...
Hurricane Insurance Claims Are Your Legal Right When a hurricane strikes, the aftermath can be overwhelming, with shattered windows, missing shingles, water intrusion, and even structural devastation. Despite the chaos, too many Florida homeowners delay or avoid filing hurricane damage claims. Whether it’s fear of rising premiums, fear of denial, or intimidation by complex policies,...
How Florida Insurers Profited While Homeowners Paid the Price Florida homeowners have faced skyrocketing property insurance premiums for years, despite insurers claiming financial struggles due to lawsuits, fraud, and the state’s high hurricane risk. However, a previously unpublished 2022 report, recently obtained by the Miami Herald and Tampa Bay Times, has confirmed what many suspected:...
What Is a Home Inventory and Why Does It Matter in Florida In Florida, where hurricanes, floods, and unexpected property losses are increasingly common, creating a detailed home inventory is one of the smartest steps a homeowner can take. A home inventory is a documented list, ideally with photos, receipts, and appraisals, of all personal belongings...
Denied a Hurricane Milton Insurance Claim in Florida? Here’s What You Need to Know In the aftermath of Hurricane Milton, many Florida homeowners and business owners have found themselves in a frustrating and financially devastating position. If this happened to you, know this: You are not powerless. We help policyholders take strategic legal action to...