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.
Force-placed insurance (lender-placed or creditor-placed insurance) is a type of coverage that a lender or mortgage servicer purchases on behalf of a borrower when their homeowners’ insurance lapses or is deemed insufficient. The lender usually puts this insurance in place when the borrower fails to maintain the required property insurance, as outlined in their mortgage agreement.
Key Points about Force-Placed Insurance:
- Purpose: The main purpose i...
Force-placed insurance (lender-placed or creditor-placed insurance) is a type of coverage that a lender or mortgage servicer purchases on behalf of a borrower when their homeowners’ insurance lapses or is deemed insufficient. The lender usually puts this insurance in place when the borrower fails to maintain the required property insurance, as outlined in their mortgage agreement.
Key Points about Force-Placed Insurance:
- Purpose: The main purpose i...
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.
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)
Force-placed insurance (lender-placed or creditor-placed insurance) is a type of coverage that a lender or mortgage servicer purchases on behalf of a borrower when their homeowners’ insurance lapses or is deemed insufficient. The lender usually puts this insurance in place when the borrower fails to maintain the required property insurance, as outlined in their mortgage agreement.
Key Points about Force-Placed Insurance:
- Purpose: The main purpose i...
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:
Take photographs and videos of t...
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 st...
Will My Auto Insurance Cover Storm Damage to My Car in Florida?
Yes, but only if you have comprehensive coverage. Unlike liability coverage, which is required in Florida, comprehensive coverage is optional. This policy covers damage to your car from events beyond your control, like storms, hail, and flooding.
What Types of Storm Damage Does Comprehensive Insurance Cover?
Comprehensive insurance covers various storm-related damages, 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 ...