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.
A personal injury lawyer can:
- Investigate the Incident: Gather evidence, interview witnesses, and consult experts.
- Negotiate with Insurers: Handle all communications and negotiations with insurance companies.
- Advise on Legal Strategy: Provide legal advice and develop a strategy tailored to your case.
- Represent You in Court: Represent you in court if a fair settlement cannot be reached.<...
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
Williams Law, P.A. insurance claim and personal injury lawyers work on a contingency fee basis, meaning they only get paid if you win your case or receive a settlement. The fee is typically a percentage of the compensation you receive. It’s important to discuss fee structures during your initial consultation.
It is important to remember that the insurance companies are out to make money and are only interested in what is best for them, not you. You need to understand how these insurance adjusters work so you can protect your claim. Adjusters are under time and pressure to adjust many claims for the least amount possible. Because of this, they often make mistakes and overlook damage that would normally be found with a more thorough investigation.
A personal injury lawyer can:
- Investigate the Incident: Gather evidence, interview witnesses, and consult experts.
- Negotiate with Insurers: Handle all communications and negotiations with insurance companies.
- Advise on Legal Strategy: Provide legal advice and develop a strategy tailored to your case.
- Represent You in Court: Represent you in court if a fair settlement cannot be reached.<...
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
Compensation in a personal injury claim can include:
- Medical expenses (past and future)
- Lost wages and loss of earning capacity
- Pain and suffering
- Emotional distress
- Property damage
- Punitive damages (in cases of gross negligence or intentional harm)
When a storm damages your roof, it’s crucial to act promptly and carefully to protect your property and ensure you can successfully file an insurance claim. Here are the steps you should take:
Ensure Safety First:
Before assessing the damage, ensure that it is safe to do so. If there are hazards like downed power lines or severe structural damage, stay away from the area and contact emergency services.
Document the Damage:
Ta...
Who Is Responsible for Tree Damage?
After a tropical storm or hurricane, homeowners are often left with catastrophic property damage from falling trees. The wind gusts generated by storms usually cause trees to fall onto nearby structures and cause severe damage. Unfortunately, the damage doesn’t stop there—once a tree falls on the structure, the usua...
Like most residents of Florida, you pay every month to insure your home, your vehicle, and your health. Sometimes, when a storm causes damage, it can be in unexpected areas. Hurricanes or severe storms are notorious for uprooting trees and damaging houses. What happens when your vehicle is damaged during a storm? Which insurance company is responsible: the auto in...
While insurance companies with managed repair programs tout them as providing homeowners with both cost savings and peace of mind in that they won’t have to deal directly with contractors — and the possibility of associated fraud or slipshod work – many are reporting largely negative experiences.
Indeed, recent ...
Claim Denial
Unjustified Denial: If your insurance company denies your claim and you believe the denial is unjustified, it’s important to dispute the decision. Common reasons for denial may include alleged policy exclusions, lack of coverage, or disputes over the cause of the damage.
Incorrect Interpretation of Policy: Sometimes, insurers incorrectly interpret the terms of your policy. If you believe the denial is based on a misinterpretatio...
Homeowners insurance typically provides coverage for many types of water damage, but there are specific exclusions and limitations that policyholders should be aware of. Understanding what’s not covered can help you avoid surprises and plan accordingly. Here’s a detailed look at the types of water damage often excluded from standard homeowners’ insurance policies:
Covered vs. Not Covered Water Damage
Florida is a hotbed for homeowners insurance clai...