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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.

Discovering that your property insurance claim has been denied due to pre-existing damage can be frustrating and confusing. Insurance companies frequently use this reason to avoid paying legitimate claims, but understanding your rights and the law can help you challenge an unfair denial.

What Is C...

When you file a property insurance claim in Florida, the last thing you expect is for your insurance company to turn the blame back on you. Unfortunately, this is a common tactic insurers use to avoid paying legitimate claims.

Claims can be denied for several reasons, including missed deadlines, lack of coverage for the type of damage you reported, allegations of pre-existing damage, or failure to document the loss adequately.

Force-placed insurance, also known as lender-placed insurance, is a type of insurance coverage that a mortgage lender can purchase on behalf of a homeowner when the borrower’s existing property insurance lapses, is canceled, or is deemed insufficient. This coverage protects the lender’s financial ...

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 property 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.

Short Answer: No, homeowners' insurance claims generally cannot be legally backdated.

Unfortunately, many business owners find that obtaining a fair settlement is far more challenging than they anticipated. Insurance companies often delay, deny, or drastically underpay legitimate claims, leaving businesses struggling to recover from the financial impact.

When you file a property insurance claim in Florida, the last thing you expect is for your insurance company to turn the blame back on you. Unfortunately, this is a common tactic insurers use to avoid paying legitimate claims.

Florida Business Interruption Insurance

Business interruption insurance is a type of commercial insurance coverage that helps protect Florida businesses from financial losses when they’re forced to close or reduce operations due to a covered peril temporarily. This coverage is crucial in Flo...

Understanding Ensuing Loss Clauses

An ensuing loss clause is a provision in property insurance policies that essentially acts as an exception to an exclusion. In simple terms, it means that while damage caused by specific excluded perils (like faulty craftsmanship or ...

Claims can be denied for several reasons, including missed deadlines, lack of coverage for the type of damage you reported, allegations of pre-existing damage, or failure to document the loss adequately.

Force-placed insurance, also known as lender-placed insurance, is a type of insurance coverage that a mortgage lender can purchase on behalf of a homeowner when the borrower’s existing property insurance lapses, is canceled, or is deemed insufficient. This coverage protects the lender’s financial ...

Hiring a home insurance claim lawyer can be crucial in ensuring that you receive fair treatment and adequate compensation from your insurance company.

When protecting your property, homeowners’ insurance is your first line of defense. But many homeowners are surprised to learn that while their homeowner’s insurance covers damage to the garage, it typically does not cover vehicles stored inside. Let’s break down exactly what your policy does and does not include regarding cars in your garage.

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.

If you've been injured due to someone else's negligence, you may wonder whether you need a personal injury lawyer to handle your claim. While not every case requires legal representation, hiring an experienced attorney can significantly improve your chances of receiving fair compensation.

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

What percentage of personal injury cases go to trial? Less than 5% go to trial; most are settled during negotiation. However, our lawyers may recommend a trial if a fair settlement cannot be reached.

Delays and lowball offers are unfortunately common after major fire losses. If your insurer is dragging its feet, disputing your damage estimate, or offering far less than repairs actually cost, you have legal options. A lawyer experienced in Learn More

Short Answer: No, homeowners' insurance claims generally cannot be legally backdated.

Unfortunately, many business owners find that obtaining a fair settlement is far more challenging than they anticipated. Insurance companies often delay, deny, or drastically underpay legitimate claims, leaving businesses struggling to recover from the financial impact.

Re-piping refers to the replacement of the plumbing pipes throughout a home or building, usually due to aging, corrosion, or material failure. In many older Florida homes, cast iron or galvanized steel pipes were commonly installed, and th...

Discovering that your property insurance claim has been denied due to pre-existing damage can be frustrating and confusing. Insurance companies frequently use this reason to avoid paying legitimate claims, but understanding your rights and the law can help you challenge an unfair denial.

What Is C...

When you file a property insurance claim in Florida, the last thing you expect is for your insurance company to turn the blame back on you. Unfortunately, this is a common tactic insurers use to avoid paying legitimate claims.

Florida Business Interruption Insurance

Business interruption insurance is a type of commercial insurance coverage that helps protect Florida businesses from financial losses when they’re forced to close or reduce operations due to a covered peril temporarily. This coverage is crucial in Flo...

Yes, you can reopen a property insurance claim. In Florida, property insurance claims can be reopened or supplemented under specific circumstances.

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