Residential Insurance Claim Lawyers

Why You Need a Florida Property Insurance Claim Lawyer on Your Side

When your home or business suffers damage from a hurricane, fire, water leak, windstorm, or another covered event, you expect your insurance company to step in and make things right. Unfortunately, many Florida policyholders discover that filing an insurance claim is only the beginning of a frustrating, confusing, and often unfair process. A knowledgeable Florida property insurance claim lawyer can make the difference between being underpaid or denied and recovering the full benefits you deserve under your policy.

Floridians filing a homeowners insurance claim had the lowest chance in the 50 states of getting a check from their insurer in 2022-2023, with more than a third of claims going unpaid. Click here for a complete list of insurers in Florida with their denial rates on homeowner claims.

Insurance Companies Are Businesses—Not Advocates

Insurance companies are for-profit businesses. While they advertise trust and protection, their primary goal is to limit payouts and protect their bottom line. As a result, many valid claims are:

  • Delayed without explanation
  • Denied on questionable grounds
  • Settled for far less than the cost of repairs
  • Dragged out with repeated requests for documentation

A property insurance lawyer levels the playing field by holding insurers accountable for the terms of their contract and your policy.

Maximizing Your Home Insurance Claim Settlement 

Insurance companies may try to minimize the amount they pay on a claim, but we know the strategies needed to maximize your settlement.

  • All covered damages are fully accounted for and accurately assessed.
  • Policy limits are upheld, and no coverage is overlooked.
  • Additional living expenses (if applicable) are included in your claim.

Our legal team is dedicated to securing the maximum possible settlement for your home insurance claim.

Types of Florida Residential Property Insurance Claims We Represent

We represent a variety of insurance claim types, including:

Understanding Complex Policy Language and Exclusions

Homeowners’ and commercial property policies are full of legal and technical language that can be difficult to understand. Many policies include:

  • Exclusions and limitations
  • Special deductibles (e.g., for hurricanes or wind)
  • Time-sensitive reporting requirements
  • Conditions that void coverage if not followed precisely

Our expert Florida insurance claim attorneys will help interpret your coverage, identify every benefit you’re entitled to, and ensure the insurance company doesn’t misuse fine print to avoid paying.

Supplemental and Reopened Property Insurance Claims

You may still be entitled to additional compensation even if your claim was previously closed. Florida law allows supplemental claims within three years of the original loss if:

  • Your original claim was wrongfully denied or underpaid
  • You have new documentation or evidence that wasn’t available at the time
  • An insurance company closed the claim without proper justification
  • Damage has worsened due to delayed repairs.

Reopened claims are especially common after major storm events, where adjusters are rushed, inspections are brief, and damage is often overlooked. Our legal team knows the tactics insurers use to limit payouts, and we are committed to recovering every dollar you’re owed.

Why Choose Williams Law, P.A. for Your Home 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 homeowners struggling to recover. Williams Law, P.A. can help.

  • Decades of Experience in Florida Insurance Law: Williams Law, P.A. has been fighting for homeowners for over 30 years, helping clients recover full and fair compensation for hurricane damage, water damage, fire damage, roof leaks, and more.
  • Aggressive Advocacy Against Insurance Companies: Insurance providers have teams of lawyers working to minimize payouts. You need a strong legal team that knows insurers’ tactics and how to counter them.
  • Proven Results in Denied & Underpaid Claims: Our firm has helped homeowners recover millions in compensation for denied, delayed, and lowballed settlement offers.
  • No Upfront Fees – You Don’t Pay Unless We Win
    We work on a contingency fee basis, meaning you pay nothing unless we successfully recover money for your claim.
  • Personalized, Client-Focused Representation: At Williams Law, P.A., every case is handled carefully. We inform clients, answer all questions, and aggressively fight for their best interests.

Recent Property Insurance Claim Results:

Don’t Let the Insurance Company Undervalue Your Insurance Claim

You need a strong legal team if your home insurance claim has been delayed, denied, or underpaid. Williams Law, P.A. will fight to ensure you receive the compensation you deserve.

While most people have never challenged their insurance company, we’ve handled thousands of cases for Florida property owners. Acting quickly is essential if you need help fighting for a fair insurance payout. The sooner you contact us, the better the evidence will be preserved and the better your chances of a successful outcome. Call us at 1-800-451-6786 or fill out our online contact form.