Our Florida Property & Personal Injury Insurance Claims FAQs

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:

1. Purpose: The main purpose i...

Most standard homeowners’ insurance policies cover wind-related damage caused by hurricanes, such as roof damage, broken windows, and structural damage. However, flooding is typically not covered under standard policies and requires separate flood insurance.

A Florida home insurance claim lawyer assists home and property owners with insurance claims to ensure they receive the compensation they are entitled to under their home insurance policies. Read more here for an in-depth look at what Williams Law, P.A. lawyers do.

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 home 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.

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.

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:

1. Purpose: The main purpose i...

Most standard homeowners’ insurance policies cover wind-related damage caused by hurricanes, such as roof damage, broken windows, and structural damage. However, flooding is typically not covered under standard policies and requires separate flood insurance.

A Florida home insurance claim lawyer assists home and property owners with insurance claims to ensure they receive the compensation they are entitled to under their home insurance policies. Read more here for an in-depth look at what Williams Law, P.A. lawyers do.

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 home 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.

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.

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.

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:

A personal injury lawyer can provide essential support throughout the claims process, helping to maximize your compensation and handle the complexities of your case. Here’s how a personal injury lawyer can assist with your claim:

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

Many personal injury cases are settled out of court through negotiations with the insurance company. 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.

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)

In Florida, the statute of limitations for filing a personal injury claim is generally two years from the date of the injury.

Most 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 usually a percentage of the compensation awarded

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:

1. Purpose: The main purpose i...

A Florida home insurance claim lawyer assists home and property owners with insurance claims to ensure they receive the compensation they are entitled to under their home insurance policies. Read more here for an in-depth look at what Williams Law, P.A. lawyers do.

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.

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 ...

Disputing a property insurance claim can be a crucial step if you believe your insurer’s offer or decision is unfair or inaccurate. Here are situations when it may be worth considering a dispute: