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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.

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.

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.

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.

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

Commercial property insurance is designed to protect Florida businesses from financial devastation after property damage. But coverage disputes are common, especially after hurricanes, fire losses, water damage, or vandalism. Understanding how these policies work and how insurers ...

A supplemental home insurance claim in Florida is a request for additional payment after hidden or newly discovered storm damage is found during repairs. It allows homeowners to recover for damage not included in the original settlement, subject to policy terms and deadlines.

When a Florida homeowner files a property insurance claim, one of the most misunderstood and critical steps is the Proof of Loss. Insurers often request it without explaining what it is, what it must include, or the potential consequences if it is completed incorrectly.

When a covered property loss makes a home unlivable, ALE (Additional Living Expenses) coverage pays the extra costs required to maintain a normal standard of living while repairs are completed.

Understanding the Critical Difference Between Public Adjusters and Insurance Claim Lawyers

When your insurance company denies your hurricane damage claim or offers a settlement that won’t cover half of what repairs cost, you face an important decision about what type of professional representation you need. Many Florida homeowners don’t fully understand the...

How Long Does an Insurance Company Have to Acknowledge My Property Damage Claim in Florida?

Understanding Ordinance or Law Coverage in Florida

Ordinance or Law Coverage is additional property insurance coverage that pays for the increased costs of rebuilding or repairing your property to meet current building codes and ordinances. When a covered loss damages your home or commerci...

An anti-concurrent causation (ACC) clause is a provision in property insurance policies that allows insurance companies to deny coverage when damage results from both a covered peril and an excluded peril acting together, even if the covered peril was the primary cause of the loss.

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