Nature has a way of balancing things out. For instance, our Tampa winters are wonderful, but summers can get a bit hot and sticky. Florida is known as the Sunshine State, but ferocious storms can rip through homes a...
Our Florida Property Insurance Claims FAQs
Do you have questions about residential or commercial property insurance claims? Browse our FAQs to learn what to expect and how to protect your right to compensation after storm damage, sinkhole damage, mold damage, and other types of serious property damage.
You should consider hiring a home insurance claim lawyer if:
- Your claim has been denied or undervalued.
- The insurance company is delaying the processing of your claim.
- You are unsure about the coverage and terms of your policy.
- You need help navigating the complex claims process.
- You want to maximize your compensation.
A home insurance claim lawyer can handle various types of claims, including:
- Hurricane and windstorm damage
- Fire and smoke damage
- Water and flood damage
- Theft and vandalism
- Roof damage
- Sinkhole damage
- Structural damage
Williams Law, P.A. insurance claim and personal injury lawyers work on a contingency fee basis, meaning they only get paid if you win your case or receive a settlement. The fee is typically a percentage of the compensation you receive. It’s important to discuss fee structures during your initial consultation.
It is important to remember that the insurance companies are out to make money and are only interested in what is best for them, not you. You need to understand how these insurance adjusters work so you can protect your claim. Adjusters are under time and pressure to adjust many claims for the least amount possible. Because of this, they often make mistakes and overlook damage that would normally be found with a more thorough investigation.
Common mistakes to avoid include:
- Delaying Medical Treatment: Failure to seek prompt medical care can harm your health and claim.
- Not Following Medical Advice: Ignoring your doctor’s recommendations can be used against you.
- Speaking to Insurers Alone: Let your lawyer handle all communications with insurance companies.
- Posting on social media: Avoid discussing your case or injuries on social media, as it can be used against ...
A personal injury lawyer can:
- Investigate the Incident: Gather evidence, interview witnesses, and consult experts.
- Negotiate with Insurers: Handle all communications and negotiations with insurance companies.
- Advise on Legal Strategy: Provide legal advice and develop a strategy tailored to your case.
- Represent You in Court: Represent you in court if a fair settlement cannot be reached.<...
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 about the contact so they can handle communications on your behalf.
Compensation in a personal injury claim can include:
- Medical expenses (past and future)
- Lost wages and loss of earning capacity
- Pain and suffering
- Emotional distress
- Property damage
- Punitive damages (in cases of gross negligence or intentional harm)
After a tropical storm or hurricane, homeowners are often left with catastrophic damage to their property by falling trees. The wind gusts generated by storms will often cause trees to fall onto nearby structures and cause severe damage. Unfortunately, the damage doesn’t stop there – once a tree falls on the structure, the usual result is a large opening in th...
Like most residents of Florida, you pay every month to insure your home, your vehicle, and your health. Sometimes, when a storm causes damage, it can be in unexpected areas. Hurricanes or severe storms are notorious for uprooting trees and damaging houses. What happens when your vehicle is damaged during a storm? Which insurance company is responsible: the auto in...
If you are beginning to notice cracks in your foundation, flooring, walls, steps or driveway, this cracking may be the result of sinkhole activity taking place beneath your property. While you have every right to file an insurance claim to obtain money for repair costs, you may be worried about the effect your claim has on your coverage going forward.
<...From a fire or a broken pipe to a falling tree or a hurricane, when an unforeseeable event causes serious damage to a person’s home they are understandably unnerved by the experience and anxious about what happens next. The good news for many, though, is that their homeowners’ insurance will likely cover the damage, such that their most prized possession — both financially and personally — will be restored to its former state.
Unfortunately, a growing number o...
The home insurance claims process can be difficult for claimants. Many insurance companies, rather than standing by their policyholders, try to dispute claims or vastly underestimate property losses. An interest in profits over people can lead to the insurance company handling clai...
In the majority of states, the process of securing property insurance has been always been relatively straightforward. Indeed, all that’s really required is a bit of shopping around for a good rate, a few phone calls and, of course, a signature or two.
Things can be a bit different here in Florida, however, as our state’s record of powerful storm...
Homeowners insurance should provide peace of mind. If anything happens that damages your property, your insurance carrier will provide compensation to repair your losses and help you move forward. It is a distressing realization for many homeowners, therefore, when they discover their insurance companies have denied their water damage claims based on policy exclusions or other reasons. If your homeowners insurance company has Learn More