What Type of Claims Can a Home Insurance Claim Lawyer Handle?
When your home suffers damage, navigating the insurance claim process can be overwhelming. At Williams Law Association, P.A., our experienced home insurance claim lawyers help homeowners fight for the full compensation they deserve. Below are answers to frequently asked questions about the types of claims we handle.
What is a Florida Home Insurance Claim Lawyer?
A home insurance claim lawyer is a legal professional who specializes in representing homeowners in disputes with their insurance companies. We help policyholders when claims are denied, underpaid, or delayed. Our attorneys understand insurance law and work to ensure you receive fair compensation for covered damages to your property.
What Types of Water Damage Claims Do You Handle?
Water damage is one of the most common home insurance claims. Williams Law Association, P.A. handles various water damage claims, including:
- Burst pipe damage and plumbing failures
- Roof leaks causing interior damage
- Appliance malfunctions (washing machines, water heaters, dishwashers)
- Storm-related water intrusion
- Sewage backup claims
- Hidden water damage behind walls or under flooring
Insurance companies often try to deny water damage claims by arguing the damage was caused by a lack of maintenance or gradual deterioration. Our lawyers fight these unfair denials and work to prove your claim is covered under your policy.
Can You Help with Fire and Smoke Damage Claims?
Absolutely. Fire damage claims can be particularly complex and costly.
We assist homeowners with:
- Total fire loss claims (complete home destruction)
- Partial fire damage to specific areas
- Smoke and soot damage throughout the property
- Fire damage from neighboring properties
- Electrical fire claims
- Kitchen fire damage
- Damage from firefighting efforts (water and structural damage)
Insurance companies may dispute the cause of the fire or undervalue the cost of repairs and rebuilding. Our home insurance claim lawyers ensure you receive adequate compensation to restore your home and replace your belongings.
Do You Handle Storm and Hurricane Damage Claims?
Yes. Florida homeowners frequently face storm-related damage, and Williams Law Association, P.A. has extensive experience with:
- Hurricane damage claims (wind, rain, flooding)
- Tornado damage
- Hail damage to roofs and siding
- Wind damage to structures and trees
- Storm surge and flooding
- Debris impact damage
- Damaged fences, sheds, and outbuildings
Storm damage claims often involve disputes about whether damage was caused by wind (typically covered) or flooding (which may require separate flood insurance). Our attorneys thoroughly investigate your claim to maximize your recovery.
What About Roof Damage Claims?
Roof damage is a specialized area we handle frequently. Common roof damage claims include:
- Shingle damage from wind or hail
- Roof leaks causing interior damage
- Storm-related roof damage
- Structural roof damage
- Missing or displaced roofing materials
- Damage to the roof underlayment and decking
- Complete roof replacement claims
Insurance adjusters often undervalue roof damage or claim it was caused by age or wear and tear rather than a covered event. Our lawyers work with independent experts to document the true extent of damage and fight for complete replacement when necessary.
Can a Home Insurance Claim Lawyer Help with Theft and Vandalism?
Yes. If your home has been burglarized or vandalized, we can help you recover compensation for:
- Stolen personal property and valuables
- Damaged doors, windows, and locks
- Vandalism damage to the structure or property
- Broken or destroyed belongings
- Additional living expenses if your home is uninhabitable
Insurance companies may dispute the value of stolen items or claim specific property wasn’t adequately documented. We help you compile evidence and fight for fair compensation for your losses.
What Types of Mold Claims Do You Handle?
Insurance companies often dispute mold claims.
Williams Law Association, P.A. handles:
- Mold growth from covered water damage
- Toxic mold requiring remediation
- Structural damage caused by mold
- Health-related mold claims
- Hidden mold behind walls or in HVAC systems
Insurers frequently deny mold claims by arguing that the mold resulted from maintenance issues or pre-existing conditions. Our attorneys investigate the source of moisture and establish that the mold growth stemmed from a covered peril.
Do You Handle Denied Insurance Claims?
One of our primary services is fighting wrongfully denied home insurance claims.
We handle denials involving:
- Claims denied for alleged policy exclusions
- Denials based on “act of God” arguments
- Claims denied due to alleged pre-existing damage
- Denials for insufficient documentation
- Claims denied for missed deadlines
- Denials based on policy technicalities
If your claim has been denied, don’t give up. Our home insurance claim lawyers review your policy, assess the denial reasons, and build a strong case to overturn the decision.
What is Bad Faith Insurance, and Can You Help?
Bad faith insurance occurs when an insurance company fails to honor its obligations to policyholders.
We handle bad faith claims involving:
- Unreasonable claim delays
- Inadequate investigation of claims
- Lowball settlement offers
- Refusal to pay valid claims
- Misrepresentation of policy terms
- Failure to communicate with policyholders
- Intimidation tactics during the claims process
Florida law protects homeowners from bad faith insurance practices. Our attorneys hold insurance companies accountable and pursue additional damages when they act in bad faith.
Can You Assist with Sinkhole Damage Claims?
Florida is particularly susceptible to sinkhole activity.
Williams Law Association, P.A. handles:
- Structural damage from sinkholes
- Foundation cracks and settlement
- Sinkhole testing and investigation claims
- Disputes over sinkhole coverage
- Catastrophic ground collapse claims
Sinkhole claims require specialized knowledge and often involve disputes over whether damage qualifies as a covered sinkhole loss. Our lawyers work with geological experts to support your claim.
What About Claims for Fallen Trees and Debris Damage?
We regularly handle claims involving:
- Trees falling on homes during storms
- Damage from falling branches
- Neighbor’s tree falling on your property
- Debris damage from hurricanes or tornadoes
- Damage to vehicles, fences, or outbuildings
Insurance companies may dispute liability or coverage for tree damage depending on the circumstances. Our attorneys clarify your coverage and fight for full compensation.
Can You Help with Lightning Strike Damage Claims?
Lightning strikes can cause extensive damage to homes and electronics.
We handle claims for:
- Structural fire damage from lightning
- Electrical system damage
- Damaged appliances and electronics
- Power surge damage
- Damage to HVAC systems and wiring
These claims require careful documentation of the lightning event and the resulting damage. We work to ensure all losses are adequately compensated.
What About Plumbing and Pipe Damage Claims?
Plumbing failures can cause significant property damage.
Williams Law Association, P.A. handles:
- Burst pipe water event
- Slab leak damage
- Polybutylene pipe failures
- Water heater ruptures
- Sewage backup and contamination
Insurance companies often try to classify plumbing issues as maintenance problems rather than sudden, accidental damage. Our attorneys establish that your damage qualifies for coverage.
Do You Handle Claims for Additional Living Expenses?
When your home becomes uninhabitable due to covered damage, your policy likely includes coverage for additional living expenses (ALE). We help you recover:
- Temporary housing costs (hotel or rental)
- Increased food expenses
- Storage fees for belongings
- Pet boarding costs
- Other reasonable expenses while displaced
Insurance companies often underpay or dispute ALE claims. We ensure you receive fair compensation for all reasonable expenses during your displacement.
What Should I Do Before Contacting Williams Law Association, P.A.?
To prepare for your consultation:
- Document all damage with photos and videos
- Keep all communication with your insurance company
- Preserve evidence of damage when safe to do so
- Review your insurance policy
- Obtain estimates for repairs
- Keep receipts for temporary repairs and living expenses
- Don’t sign any settlement agreements without legal review
How Much Does a Home Insurance Claim Lawyer Cost?
At Williams Law Association, P.A., we typically work on a contingency fee basis for home insurance claims.
This means:
- You pay no upfront costs or retainer fees
- We only get paid if we recover compensation for you
- Our fee is a percentage of your settlement or award
- There’s no financial risk to you for fighting your claim
We offer free initial consultations to evaluate your case and explain your legal options.
Why Choose Williams Law Association, P.A. for Your Home Insurance Claim?
Our firm provides:
- Extensive experience with Florida home insurance claims
- Aggressive representation against insurance companies
- Thorough investigation and documentation of damages
- Access to expert witnesses and independent adjusters
- Proven track record of successful claim recoveries
- Personalized attention to every client
- No fees unless we win your case
Ready to Fight for Your Home Insurance Claim?
Don’t let your insurance company deny or underpay your legitimate claim. The expert home insurance claim lawyers at Williams Law Association, P.A. are ready to fight for the full compensation you deserve. Contact Williams Law Association, P.A. today for a free consultation.