Our Florida Property & Personal Injury Insurance Claims FAQs

Do you have questions about Florida residential, commercial property insurance claims, or personal injury related insurance claims? Browse our FAQs to learn what to expect and how to protect your right to compensation after storm damage, sinkhole damage, roof damage, car accidents, slip and falls and other types of insurance claim disputes.

Understanding Punitive Damages

Punitive damages are a special category of compensation awarded in personal injury

Understanding Business Interruption Insurance Coverage

Business Interruption Insurance is a commercial insurance coverage designed to protect businesses from financial losses when normal operations are disrupted...

Understanding Ensuing Loss Clauses

An ensuing loss clause is a provision in property insurance policies that essentially acts as an exception to an exclusion. In simple terms, it means that while damage caused by specific excluded perils (like faulty craftsmanship or ...

Yes, you can reopen a property insurance claim. In Florida, property insurance claims can be reopened or supplemented under specific circumstances.

When you're involved in a car accident, you expect the at-fault driver’s insurance to cover your medical bills, vehicle repairs, and lost wages. But what happens when the other driver doesn’t have insurance—or doesn’t have enough?

Claims can be denied for several reasons, including missed deadlines, lack of coverage for the type of damage you reported, allegations of pre-existing damage, or failure to document the loss adequately.

Florida’s no-fault insurance laws can be both a blessing and a source of confusion for drivers who suffer injuries in a car accident. One of the cornerstones of no-fault insurance in Florida is Personal Injury Protection (PIP) coverage, which provides up to $10,000 for medical expenses.

Force-placed insurance, also known as lender-placed insurance, is a type of insurance coverage that a mortgage lender can purchase on behalf of a homeowner when the borrower’s existing property insurance lapses, is canceled, or is deemed insufficient. This coverage protects the lender’s financial ...

Understanding Business Interruption Insurance Coverage

Business Interruption Insurance is a commercial insurance coverage designed to protect businesses from financial losses when normal operations are disrupted...

Understanding Ensuing Loss Clauses

An ensuing loss clause is a provision in property insurance policies that essentially acts as an exception to an exclusion. In simple terms, it means that while damage caused by specific excluded perils (like faulty craftsmanship or ...

Yes, you can reopen a property insurance claim. In Florida, property insurance claims can be reopened or supplemented under specific circumstances.

Claims can be denied for several reasons, including missed deadlines, lack of coverage for the type of damage you reported, allegations of pre-existing damage, or failure to document the loss adequately.

Force-placed insurance, also known as lender-placed insurance, is a type of insurance coverage that a mortgage lender can purchase on behalf of a homeowner when the borrower’s existing property insurance lapses, is canceled, or is deemed insufficient. This coverage protects the lender’s financial ...

Hiring a home insurance claim lawyer can be crucial in ensuring that you receive fair treatment and adequate compensation from your insurance company.

A Florida property insurance claim lawyer can handle a range of claims specific to the unique challenges and risks homeowners in the state face. These claims include:

Yes. You can hire an insurance claim lawyer before filing a claim. Our expert insurance claim lawyers can help you avoid common mistakes that can jeopardize your claim, such as making statements that could be used against you or accepting a low initial settlement offer. This proactive approach.

Understanding Punitive Damages

Punitive damages are a special category of compensation awarded in personal injury

When you're involved in a car accident, you expect the at-fault driver’s insurance to cover your medical bills, vehicle repairs, and lost wages. But what happens when the other driver doesn’t have insurance—or doesn’t have enough?

Florida’s no-fault insurance laws can be both a blessing and a source of confusion for drivers who suffer injuries in a car accident. One of the cornerstones of no-fault insurance in Florida is Personal Injury Protection (PIP) coverage, which provides up to $10,000 for medical expenses.

Personal injury cases can be complex and emotionally draining. Navigating the legal landscape without making missteps is crucial for securing the compensation you deserve. Here are common mistakes to avoid in a personal injury case:

If you've been injured due to someone else's negligence, you may wonder whether you need a personal injury lawyer to handle your claim. While not every case requires legal representation, hiring an experienced attorney can significantly improve your chances of receiving fair compensation.

If an insurance company contacts you, it’s important to:
Avoid Giving a Statement: Do not provide a recorded statement without consulting your lawyer.
Do Not Sign Anything: Avoid signing documents or settlement offers without legal advice.
Contact Your Lawyer: Inform your personal injury lawyer

What percentage of personal injury cases go to trial? Less than 5% go to trial—most are settled during negotiation. However, our lawyers may recommend a trial if a fair settlement cannot be reached.

The timeline for resolving a personal injury case varies widely depending on its complexity, the extent of the injuries, and whether the case goes to trial.

Understanding Business Interruption Insurance Coverage

Business Interruption Insurance is a commercial insurance coverage designed to protect businesses from financial losses when normal operations are disrupted...

Understanding Ensuing Loss Clauses

An ensuing loss clause is a provision in property insurance policies that essentially acts as an exception to an exclusion. In simple terms, it means that while damage caused by specific excluded perils (like faulty craftsmanship or ...

Yes, you can reopen a property insurance claim. In Florida, property insurance claims can be reopened or supplemented under specific circumstances.

Claims can be denied for several reasons, including missed deadlines, lack of coverage for the type of damage you reported, allegations of pre-existing damage, or failure to document the loss adequately.

Force-placed insurance, also known as lender-placed insurance, is a type of insurance coverage that a mortgage lender can purchase on behalf of a homeowner when the borrower’s existing property insurance lapses, is canceled, or is deemed insufficient. This coverage protects the lender’s financial ...

The timeline for resolving a home insurance claim can vary widely depending on its complexity, the insurance company's responsiveness, and whether litigation is necessary. Some claims can be resolved within a few months, while others may take longer.

Filing a hurricane insurance claim can be a complex and stressful process, especially in the aftermath of a significant storm. To ensure you receive the compensation you're entitled to, it's essential to avoid common mistakes that could jeopardize your claim. Read more to avoid key pitfalls.

Florida storms can unleash sudden, catastrophic damage to your home, especially your roof. When high winds, hail, or heavy rain compromise your roofing system, acting immediately and strategically is the key to protecting your property and maximizing your insurance payout. Below is a comprehensive, step-by-step guide on what to do when your roof suffers storm damage.

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