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When your refrigerator stops cooling or your dishwasher floods your kitchen, one question immediately comes to mind: Does homeowners’ insurance cover appliances? The answer isn’t always straightforward, and understanding the nuances of your coverage could save you thousands of dollars in unexpected repair or replacement costs. At Williams Law Association, P.A., we’ve helped countless homeowners...

If you’re a Florida homeowner, you’ve likely experienced the gut-wrenching moment of opening your insurance renewal notice only to find your premiums have skyrocketed or worse, your policy has been non-renewed entirely. You’re not alone. Florida homeowners are paying three times the national average for home insurance, and the situation continues to deteriorate. Insurance companies...

Understanding the Basics After Receiving a Property Insurance Check If your insurance company issued a check for property damage, you may have noticed something surprising: the check includes the mortgage company’s name alongside yours. That’s not a mistake. It’s a standard part of how lenders protect their financial interest in your home. Let’s break it...

Avoid These Costly Mistakes When Filing a Florida Home Insurance Claim Filing a home insurance claim in Florida can be a complex process, especially after a natural disaster or significant damage to your property. While it’s important to know what steps to take, it’s equally crucial to understand what not to do to avoid delays,...

What Is the Burden of Proof in a Florida Car Accident Case? In Florida car accident cases, the burden of proof refers to the legal obligation of the injured party (plaintiff) to establish that the other party (defendant) was negligent and that this negligence caused the accident and resulting injuries. Under Florida law, this burden...

What Exactly is Proof of Loss in Florida? A proof of loss is a formal, sworn document that you submit to your insurance company detailing the damage to your property and the amount you’re claiming. In Florida, this document serves as your official statement under oath about what was damaged, when it happened, and how...

From Congestion to Crashes: The Dangers of Auto Accidents in Tampa  The Tampa Bay area, which includes cities like Tampa, St. Petersburg, and Clearwater, has recently gained attention for its troubling ranking as one of the worst places to drive in the United States. With increasing traffic congestion, high accident rates, and challenging road conditions, driving...

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...