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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.

In Florida, construction defects are rarely the fault of just one party. State law allows property owners, condominium associations, and HOAs to pursue claims against any party whose actions contributed to defective construction.

Most construction defect cases in Florida settle before going to trial. In fact, roughly 90–95% of cases resolve through settlement, not a jury verdict. At Williams Law Association, P.A., we’ve handled hundreds of construction defect claims over nearly 30 years.

The answer is yes. Under Florida law, condominium associations have the legal authority to pursue construction defect claims on behalf of the community for defects affecting common elements and, in many cases, multiple units.

Determining whether you have a valid construction defect claim requires analyzing multiple factors based on Florida law, the specific problems affecting your property, when defects occurred and were discovered, and who bears legal responsibility for the defective construction.

Rear-end collisions are among the most common motor vehicle accidents in Tampa, but they are not always simple insurance claims. Even when the rear driver appears responsible, disputes may arise over comparative fault, the severity of the injuries, medical treatment, prior health conditions, insurance coverage, and the amount of compensation available.

A collision on Interstate 275, the ...

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...

After experiencing an accident, whether it's a car crash, slip and fall, or any other personal injury incident, maintaining comprehensive medical records becomes one of your most critical responsibilities. Your medical documentation serves as the foundation for your personal injury claim.

Failure to wear a helmet doesn't prevent recovery of compensation in Florida.

Unlike compensatory damages, which are designed to reimburse a victim’s measurable losses, punitive damages are meant to punish the defendant for outrageous behavior and discourage others from acting the same way.

When you're involved in a car accident, you expect the at-fault driver’s insurance to cover your medical bills, vehicle repairs, and lost wages. But what happens when the other driver doesn’t have insurance or doesn’t have enough?

Florida’s no-fault insurance laws can be both a blessing and a source of confusion for drivers who suffer injuries in a car accident. One of the cornerstones of no-fault insurance in Florida is Personal Injury Protection (PIP) coverage, which provides up to $10,000 for medical expenses.

A personal injury lawyer helps you maximize compensation, handles all negotiations with insurance companies, gathers evidence to prove your claim, ensures you meet legal deadlines, and represents you in court if needed. At Williams Law Association, P.A. in Tampa.

An Examination Under Oath (EUO) is a formal part of an insurance company’s investigation in which a policyholder answers questions under oath about an insurance claim. It is typically conducted by an attorney representing the insurance company and recorded by a court reporter.

If your Florida property insurance company has requested an EUO, it is important to under...

The “90-day rule” refers to a former Florida property insurance claim-handling deadline that generally required insurers to pay or deny certain claims within 90 days after receiving notice of the claim.

Florida law has since changed under the current version of Florida Statute § 627.70131; an insurer generally must pay or deny an in...

How Do Florida Condo Association Property Insurance Claims Work?

Florida condominium association property insurance claims can become significantly more complicated than claims involving a single-family home. A condominium loss may involve multiple buildings, shared structural systems, common elements, individual units, association property, maste...

How Long Do You Have to File a Property Insurance Claim in Florida?

Tampa homeowners should report property damage to their insurance company as soon as possible after discovering a loss. Most homeowners’ insurance policies require prompt notice, and waiting too long can make the claim harder to prove.

Even when a policy does not list an exact number of days t...

Sudden and accidental water damage generally refers to water damage caused by an abrupt, unexpected event rather than a condition that develops gradually over time.

At Williams Law Association, P.A., we have seen many tropical storm claims become disputes over causation, coverage, deductibles, and the scope of damage. Insurance companies may deny, delay, or underpay valid claims by attributing damage to wear and tear, pre-existing conditions, or excluded causes

Florida property insurance claims are commonly denied due to alleged wear and tear, late reporting, excluded damage, pre-existing conditions, or disputes over the cause of the loss. Learn how insurers justify denials and what policyholders can do to challenge them.

The efficient proximate cause doctrine is one of the most important legal principles in property insurance disputes, especially in Florida claims involving alleged pre-existing damage. It determines which cause of loss controls coverage when multiple causes contribute to the same damage.

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