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.
Construction defects can leave Tampa condominium associations facing expensive repairs, recurring property damage, and disputes over who should pay to correct the problem. Defective roofing, water intrusion, deteriorating balconies, structural damage, and improperly installed building components can affect multiple units and common areas, creating substantial financial obligations for the assoc...
What Are Common Examples of Legal Malpractice in Florida?
Legal malpractice can arise from attorney negligence in personal injury litigation, insurance disputes, commercial litigation, real estate matters, and other areas of law.
Common examples of potential legal malpractice include:
How Much Is a Rear-End Accident Claim Worth in Tampa?
There is no fixed settlement amount for a rear-end accident in Tampa. Two crashes that appear similar can result in very different recoveries depending on the injuries, medical treatment, lost income, available insurance coverage, liability evidence, and long-term effects of the collision.
The value of a clai...
After a Tampa car accident, avoid admitting fault, apologizing, speculating about what happened, or making statements that minimize your injuries. Even comments such as “I didn’t see the other driver,” “I’m probably okay,” or “It may hav...
Yes. Most standard Florida homeowners’ insurance policies cover theft of personal belongings, including electronics, furniture, clothing, appliances, and other insured possessions.
Coverage may also extend to property damage caused during a burglary, such as broken windows, damaged doors, or forced entry.
However, the amount your insurance company must pay depends on your po...
Florida homeowners generally have five years from the date of loss to file a lawsuit for breach of a property insurance contract. However, the deadline to sue an insurance company is different from the deadlines for reporting property damage, reopening a claim, or submitting a supplemental insurance claim.
An Examination Under Oath (EUO) is a formal part of an insurance company’s claim investigation that requires a policyholder to answer questions under oath. The examination is typically conducted by an attorney representing the insurer, with testimony recorded by a court reporter.
An EUO is more than a routine conversation with an insu...
The 90-day rule in Florida was a former insurance claim-handling deadline requiring insurers to pay or deny certain property insurance claims within 90 days. Under the current version of Florida Statute § 627.70131, insurance companies generally have 60 days after receiving notice of an initia...
Why Are Condominium Association Insurance Claims More Complicated Than Homeowners Claims?
Condominium association insurance claims often involve multiple buildings, shared structural components, individual units, and overlapping insurance policies, making them more complex than typical homeowners claims.
A condominium association must determine ...
Florida homeowners must comply with specific deadlines when reporting property damage, requesting additional insurance benefits, or pursuing legal action against an insurance company. Missing an applicable deadline can jeopardize an otherwise valid claim, even when the damage would ordinarily be covered under the insurance policy.
Under Florida Statute § 627.70132, an i...
Sudden and accidental water damage generally involves an unexpected release of water from a plumbing system, household appliance, or fixture, causing damage to the home. Examples include a burst pipe, a ruptured washing machine hose, a broken supply line, or an overflowing plumbing fixture.
Florida homeowners insurance policies commonly distinguish these losses from dama...