What Is a Proof of Loss for Florida Home Insurance Claims? A Proof of Loss is a formal statement that policyholders submit to their insurance company detailing the damages or losses incurred, the value of those losses, and any other pertinent information regarding the claim. This document serves as the foundation for your insurance claim,...
Property Insurance
Insurance Companies Are Not on Your Side When you’re involved in an accident, whether a car crash, a slip and fall, or property damage due to a natural disaster, you may quickly contact an insurance company. One of the first things they often ask for is a recorded statement. While this may seem like a...
Understanding Your Rights After Water Damage in Tampa Water damage can strike unexpectedly from burst pipes, hurricanes, or heavy rainstorms. For Florida homeowners, navigating water damage claims can be particularly challenging due to the state’s unique climate and insurance regulations. In this guide, we’ll walk you through the critical steps to take when dealing with...
Understanding Policy Limits, Exclusions, and When to Hire a Lawyer Mold damage in Florida is a persistent and costly problem for homeowners, particularly in the aftermath of hurricanes, roof leaks, burst pipes, or prolonged water intrusion. When left untreated, mold can pose serious health risks and cause structural damage to the home. But does homeowners’...
Understanding Hail Damage and Florida Insurance Policies In Florida, hailstorms can strike with little warning, leaving widespread property damage. Roofs, windows, siding, and personal property are often affected. While homeowners’ insurance typically includes hail damage coverage, many claims are denied, underpaid, or delayed due to vague policy language and insurer tactics. If you’re a Florida homeowner...
Why Collaboration Between Attorneys and Public Adjusters Matters Public Adjusters and attorneys are integral to protecting Florida homeowners. Public insurance adjusters and property damage lawyers often work together to help maximize the recovery of the client’s insurance claim. The Public Adjuster and the Attorney have separate but crucial roles in the insurance claim process. A...
Actual Cash Value vs. Replacement Cost Value in Florida Property Insurance Claims When disaster strikes and you need to file an insurance claim, understanding how your insurance company will calculate your payout can mean the difference between being made whole and facing significant out-of-pocket expenses. Two terms that dramatically impact your claim settlement are Actual...
What Every Florida Property Insurance Policyholder Should Know About Bad Faith When you pay your premiums on time, you expect your insurance company to uphold its end of the bargain. Unfortunately, not all insurers act in good faith. They often use deliberate tactics to delay, deny, or underpay valid claims. At Williams Law, P.A., we...